vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: FL

Complaint narrative:
I've been getting the runaround now for over a year about where my money is and how to gain access to it. My money was in Juno XXXX. They were partnered with evolve and XXXX. I was told evolve held my funds they did their whole " reconciliation by evolve '' thing and then told me that evolve does not have my money. I don't care who has it at this point, I just want it and I think who it the bank I deposited it into should be held responsible to ensure I am paid. So I banked with Juno, I don't really care who they are partnered with or a better choice of words would be who they are wanting to point the finger at and claim is responsible for. I'm tired of not being provided answers and a year is a long time to get jerked around. My money was in a bank it should have been insured and I want it now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
My name is XXXX XXXX, and Im filing a complaint regarding the sale of a XXXX XXXXXXXX XXXX that I purchased from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX ( phone : ( XXXX ) XXXX ) on XX/XX/XXXX. 

From the very first day, the car had serious mechanical problems, including constant overheating, and I returned the vehicle to the dealership three separate times asking for repairs or a replacement. Each time, they failed to fix the issue. On my third visit, the dealer claimed I had blown a head gasket, which is impossible since I had barely driven the car and the overheating issues were present immediately after purchase. 

As what I believe is an admission of guilt, the dealer refunded me {$500.00} of my {$1500.00} down payment, but refused to take the car back or provide proper repair support. I have parts receipts, mechanics willing to testify, and text message evidence confirming the car was in poor condition from the start and that I was not responsible for the damage. 

I also contacted my lender, OneMain Financial, to explain the situation, but they told me there was nothing they could do. I am now being forced to pay {$320.00} per month on a {$12000.00} loan, and I must keep full coverage insurance on a car that is not safe or reliable to drive.

This is a clear case of auto fraud and deceptive business practices, and I am seeking help to hold XXXXXXXX XXXX XXXX XXXX XXXXXXXX accountable and to relieve myself of this financial burden. I am happy to provide any additional documentation, including receipts, communications, and mechanic statements. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently tried to pay off two credit cards with capital one. I accidentally used an old bank, so the payment was returned XX/XX/XXXX. They closed my accounts. I called on XX/XX/XXXX, and asked if there was anyway they could reopen the accounts. They said if I made the returned payments within 10 business days of the returned payments being posted, they could submit a case for reopening. The day I submitted the payments, just prior to submitting them, on XX/XX/XXXX, they confirmed on a second phone call that I was still eligible to have my case submitted for reopening. I submitted payment. Of course, what happens? I called back and they are so sorry, but actually despite all their confirmations, I am not even eligible to be submitted for reopening. XXXX is a piece of work! The note clearly says 10 business days from XX/XX/XXXX, ( date of first phone call ), and the payments were returned XX/XX/XXXX, but he decided that actually I had to make the payments 10 business days from the day the initial payments were submitted. Something not mentioned in either phone call- and youd think itd be mentioned in the call on the day of, when I submitted the payments. Also, apparently XXXX is a business day they will do whatever just to shaft me. Clearly they did not want to actually help me, just take my money. Is there anything I can do to fight back? I am XXXX XXXX by the lies and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Over the last month, I use my card for transactions as I see fit for myself and PNC bank will continually shut down the debit card requiring me to call into the institution to reinstate my cards activation. It has happened 5 times and causes me issues with my ability to do my job and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Bought Services on XX/XX/year>XXXX  notified Chime that I didnt get services on XX/XX/year>. I was told the refund for {$260.00} would be credited to my Account on XX/XX/year>. I spoke with customer service chats customer service agents and customer service managers. Everyone one gave me a different date my funds would be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Dear Synchrony Bank Fraud Investigation Unit : I am writing to dispute the specific charges of {$2000.00} and {$1500.00}, and all other related charges made to my credit card account on XX/XX/year>, via eBay. These charges are in error because my account was used without my knowledge or permission to make these fraudulent transactions. The physical credit card was in my possession in XXXX XXXX XXXX, XXXX XXXX at the time of these transactions. 

The two largest transactions specified above did not, and have not delivered to my address even though eBay/XXXX tracking states they did deliver. None of the charged items delivered to my address. During a phone conversation with XXXX, I was notified items with tracking numbers XXXX and XXXX did not deliver to my address. The XXXX fraud department ( XXXX ) stated they are unable to give me the fraudulent delivery addresses. XXXX stated that Synchrony needs to call for the specific delivery information. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an updated and accurate statement. I am not responsible for these charges. I did not receive these items. I am not paying these charges. I am undertaking this dispute to the best of my ability under the Fair Credit Billing Act. If my claim remains unresolved, I will file a complaint with the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I disputed inaccurate information in my ChexSystems report on [ XXXXXXXX  ]. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 [ 15 U.S.C. 1681i ], ChexSystems is required to investigate and respond within 30 days. They have failed to do so. I have not received a resolution, nor have I received a full file disclosure as required under FCRA 609. 

Their noncompliance violates federal law and my rights as a consumer. I am requesting that the CFPB investigate ChexSystems for failure to comply with the FCRA and require immediate correction or deletion of the inaccurate entry. 

I am also seeking written confirmation of resolution and removal of the disputed data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
As I was looking at my credit wondering why its not going up and I got my credit pulled I notice some unauthorized things on my credit. It was put on my XXXX  credit as a hard inquiry. The company name is Hunter Warfield Inc. According to the law 15 USC 1681B they do not have my permission to pull my credit and I was not informed my credit was pulled so According to the law 18USC 1028A it is false and it need to be taken off my credit account IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), regarding the discrepancies in my credit reporting and the associated Form 1099-C from XXXX XXXX XXXX XXXX I am writing to report an inaccuracy on my TransUnion credit report concerning an account with XXXX XXXX XXXX XXXX Account Number : XXXX ). The information provided on my credit report directly contradicts the details of a Form 1099-C issued by XXXX XXXX XXXX for the same account. 

What Happened : Contradictory Account Status on TransUnion Report : My TransUnion credit report for Account Number XXXX, associated with File Number XXXX and issued on XX/XX/XXXX, states the " Pay Status '' as " Account Paid in Full, was a Repossession '' and shows a " Balance : {$0.00}. '' However, the " Remarks '' section on the same report includes " SETTLED-LESS THAN FULL BLNC<> '' and " >PAID REPOSSESSION<. '' These statements are contradictory ; an account can not be both " Paid in Full '' and " Settled-Less Than Full Balance '' simultaneously.

Discharged Debt Confirmed by Form 1099-C : In direct contradiction to the " Paid in Full '' status on my TransUnion report, XXXX XXXX XXXX XXXX XXXX a Form 1099-C ( Cancellation of Debt ). This form clearly indicates a " Date of identifiable event '' of XX/XX/XXXX and an " Amount of debt discharged '' of {$13000.00} for the " Debt For Car Purchase '' ( Identifiable event code F : Cancellation of debt by agreement ).

The Mistake : The core issue is that my TransUnion credit report inaccurately states the account was " Paid in Full. '' The issuance of a Form 1099-C for a significant amount of discharged debt ( {$13000.00} ) unequivocally demonstrates that the debt was not paid in full, but rather a portion was forgiven by XXXX XXXX XXXX XXXX A debt discharged via a 1099-C indicates a settlement for less than the full amount, which is inconsistent with a " Paid in Full '' reporting. 

This inaccurate reporting on my credit file misrepresents the true status of the account, potentially harming my creditworthiness. I request that the CFPB investigate this discrepancy and ensure that XXXX XXXX XXXX accurately reports the status of this account to all credit bureaus, reflecting the discharged debt as indicated on the Form 1099-C, rather than an incorrect " Paid in Full '' status. 

I have attached copies of both the TransUnion investigation results and the Form 1099-C for your review.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief