vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: VW Credit
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported about me by your company, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for negligent noncompliance. 
The following item ( XXXX ) on my credit report is/are inaccurate or incomplete : VW CREDIT XXXX XXXX XXXX XXXX XXXX my previous communication ( XXXX ), in which I disputed this/these item ( s ) and provided supporting documentation, your company has failed to correct or remove the inaccurate information.

Under 15 U.S.C. 1681o, your company may be held civilly liable for actual damages caused by this negligent failure to comply with the FCRA, along with the cost of litigation and reasonable attorneys fees. I have suffered harm as a direct result of your failure to take corrective action, including but not limited to : Denial of credit, Emotional distress, Increased interest rates, Loss of financial opportunity.

If your company continues to neglect its legal obligations under the FCRA, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, and, if necessary, pursue legal action to recover damages under 15 U.S. Code 1681o. 

Please consider this letter as formal notice of a potential claim and retain all relevant records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Bridgecrest is reporting a repossession account on my credit report that is incomplete, inaccurate, and unverifiable. The account does not list the original creditor, making it incomplete. The payment history shows XXXX for multiple months, even though repossession is a one-time event. In addition, the balance being reported ( {$17000.00} ) has not been explained or supported with documentation showing how it was calculated after the vehicle was taken and sold. 
I previously disputed this information, but Bridgecrest failed to provide proper verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Reporting unverifiable and misleading data violates the FCRA and continues to harm me by lowering my credit score and limiting my ability to obtain housing and fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> I attempted to transfer {$350.00} from XXXX  XXXX XXXX to chime I have done this before with no problems but on this day the transfer was denied by chime but the money was immediately withdrawn from XXXX  XXXX XXXX so I was confused so I contacted chime to resolve this issue but I was unable to speak with someone so I used chime support chat and I proceeded to tell them what happened but they claimed that they didnt receive the deposit and I should contact XXXX  XXXX XXXX because they are the ones who had my money. They sent me a bank statement that showed no deposit on the XXXX of XXXX this was on the XXXX of XXXX when I received it and I made screenshots of the conversation with chime support team to use this for XXXX  XXXX XXXX as proof that I never received any money. On XX/XX/year> I get a text from chime which had a charge back of the {$350.00} in question I was truly confused and upset so I immediately contacted chime I was on hold for an hour and a half before anyone answered me and then I began to let them know what was happening with my account and initially they themselves couldnt find any transactions with the amount in question and after being transferred back and forth with no explanation for why this happened I received a new statement from them and this one miraculously had the deposit information on it that stated that they did receive the money but never put it in my account which caused the charge back? I told them that I was told initially they did not have the money because XXXX  XXXX XXXX had it but they were wrong. On the XXXX I had in my chime account {$350.00} after the so called transaction I still only had {$350.00} they insisted I had {$720.00} but I didnt I told them that this was a mistake I proceeded to send them copies of the conversation and indiscrepancies with both bank statements and they refused to help me. After talking to the manager for over an hour he continuously spoke over me and wouldnt let me finish speaking then hung up on me rudely and abruptly. I then filed a complaint against the XXXX XXXX XXXX. And now Im filing one with you. This banking institution is a scam. Their support is a scam. I believe they falsified my bank statements to make it look like the money hit my account when it didnt. And the supervisor lied to cover up this huge mistake possibly done on purpose with how theyre acting. They claim they cant help yet Im sure the tech support of an app would have way more access to my account than I do. I am requesting a refund of the XXXX dollars and XXXX cents and I want this to go public to warn people of this fraudulent practice. Who knows if theyve done this with more than just me. Perhaps Im not the only victim of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
We purchased a Hyundai vehicle that has had a serious and ongoing engine issues it shuts off every single day without warning, even while parked. This dangerous defect has been happening consistently since XX/XX/scrub> 2025 and has made the vehicle completely unreliable and unsafe for daily use. 

We brought the vehicle in for service on four separate occasions, but each time we were told the dealership could not duplicate the issue, even though this is a known and documented problem with Hyundai vehicles. Despite repeated visits and requests for help, the problem was never resolved. 

During this process, the dealership even attempted to charge me {$1200.00} for an engine breakdown just so they could diagnose the problem essentially asking me to pay to figure out the issue with their own defective vehicle. In addition, they falsely claimed that the spark plugs were burned out only one week after I had replaced all six of them. These actions made me feel taken advantage of, added unnecessary financial XXXX, and further eroded my trust in Hyundais willingness to address the problem in good faith.

When I contacted Hyundai directly to request a buyback or voluntary return of the defective vehicle, they refused to buy it back or even take it back, stating that the vehicle was too old to qualify despite the fact that the issue had existed for months and remained unresolved. This refusal left us trapped in a situation with a vehicle that was unsafe, unreliable, and depreciating in value because of a defect that was not our fault. They told us we needed to trade it in multiple times even though we did not want to. Our plans were to pay this vehicle loan 100 % off and have a reliable vehicle afterwards. 

This situation has caused tremendous XXXX  and hardship for our family. We have XXXX children, and every time the vehicle shuts off unexpectedly, it puts us in a potentially dangerous situation and leaves us constantly worried about our safety. The fear and XXXX  surrounding daily transportation have significantly disrupted our lives. 

Ultimately, we had no choice but to trade in the vehicle simply to have safe, dependable transportation. This resulted in {$3000.00} out of pocket for a new vehicle a cost we never should have incurred if Hyundai had properly addressed the defect.

The ongoing hardship also caused us to fall behind on our auto loan, leading to late payment marks on both me and my wifes credit reports. These negative marks were not the result of negligence but were directly caused by Hyundais repeated failure to fix the defect and the financial strain that followed.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT THIS IS NOT A DUPLICATE COMPLAINT THIS IS NOT A DUPLICATE COMPLAINT NON-COMPLIANCE NON-COMPLIANCE TRANSUNION NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE TRANSUNION NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE TRANSUNION USED A ACCOUNT THAT WAS DISPUTED AND REMOVED IN XX/XX/year>, PUTTING THIS FRAUDULENT ACCOUNT BACK ON MY CREDIT REPORT, DROPPING MY SCORE XXXX POINTS, CAUSING CONFUSION AND DETRIMENTAL HARM TO A MINORITY XXXX DECORATED WAR VETERAN!! ! XXXX AFTER DOING THIS I FILED A DISPUTE TO HAVE THE SAME FRAUDULENT ACCOUNT TO BE REMOVED FOR A SECOND TIME. AFTER TRANSUNION REMOVED THE FRAUDULENT ACCOUNT, TRANSUNION ONLY REPLACED XXXX POINTS OF THE XXXX POINTS THAT WERE DROPPED DOING THIS PROCESS OF TRANSUNION ( FAKE GOVERNMENT ENTITY )!! ! XXXX TRANSUNION IS GUILTY BY XXXX OPERATING WITH ANOTHER ENTITY TO DO DETRIMENTAL HARM TO MINORITIES ( CONSUMERS ) VIOLATIONS OF 18 USC Section 241 ( e ) 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, XXXX, Possession, or XXXX in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If XXXX or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than XXXX years, or both ; and if XXXX  results from the acts committed in violation of this section or if such acts include XXXX or an attempt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death.

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 2025-09-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: IN

Complaint narrative:
What happened : On XX/XX/year> around XXXX, {$610.00} plus a backup balance of {$50.00} was stolen from my Uber Pro Card account through a sophisticated impersonation scam that leveraged Ubers own app. 

I received a call that displayed as Uber on caller ID. The caller had real-time information about my delivery ( I was en route to XXXX ) and referenced account details such as my plate number and a supposed customer complaint. 

While on the call, the Uber Driver/Pro Card app logged me out and prompted me to upload my ID as part of a verification process. Believing this was Uber, I followed the steps. I was then instructed to transfer my Pro Card funds to a so-called Uber promotional card to verify my identity. I was also told I would receive a {$100.00} inconvenience credit and to accept a {$50.00} backup balance. In addition, they asked me to email the branch support saying my account had been locked to which they emailed back saying it had been unlocked. 

After complying, {$610.00} was removed from my XXXX XXXX account. They next day, I contacted real XXXX support and realized I had been defrauded, I was then contacted again by the impersonator who threatened to lock me out further if I questioned their authenticity. 

Why this is a financial product issue : This was not just a scam phone call as the XXXX app itself behaved in ways that made the fraud appear legitimate ( account lockout, ID upload prompt ). The stolen funds came directly from the Uber Pro Card, a prepaid debit card product tied to XXXX platform. 
I submitted screenshots of the fraudulent emails, call logs, and my timeline to XXXX, but my claim was not only denied without a real investigation but I was also not explicitly asked to provide any evidence of my interaction with the scammer. The case was closed the day after I filed the dispute and withdrawn by Uber branch support. 
What I want : A full fraud investigation by Ubers financial partner XXXX XXXXXXXX XXXX XXXX XXXX, Member FDIC ), Reimbursement of the stolen {$610.00} and the {$50.00} back up balance, since this was a fraudulent transaction from a prepaid financial product. I would also like confirmation of steps taken to prevent this from happening again to other drivers. 

Company involved : Uber, Uber branch, Uber Pro Card ( issued in partnership withXXXXXXXX XXXX XXXX XXXX Member FDIC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My information on my credit report is wrong My information is Email : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Using Chases ( JPMORGAN CHASE BANK ) app, I submitted a photo of a check from my XXXX  XXXX for my stipend but due to the picture being poor, the check didnt go through and my account was frozen. After calling several times before XXXX of XXXX, I was assured that the check was verified and that I was going to get my money. The issue here is essentially that since the XXXX of XXXX I have called this number which I have been asssured to be correct several times XXXX ( XXXX ) XXXX to ask when I will get my money. They have then repeatedly told me a total of 7 times ( I have called about every other or third day to see the status ) that I will get my money within XXXX days from the time of the call but I never receive my money. I called latest today ( XXXX of XXXX ) and they told me XXXX get the money in XXXX business days, and I have absolutely no faith in that what they are telling me is true. I can not pay my bills since they are repeatedly giving me information that my money will arrive but it never does. I have during this time also visited the branch office in New York on XXXX XXXX to ask about when I will get my money, and they assured me the same thing that I will get it in XXXX days. Overall I feel royally mistreated. The amount this concerns is around XXXX XXXX  that I was paid from XXXX XXXX XXXX for my stipend for my XXXX  in Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
Ive never received and notices of a debt that was sent to a collection agency when the description of XXXX monthly I called XXXX and they said I have no monthly loans past due and they do not sell debt to outside collection agencies. The reason I noticed was a ding on my credit report. I dont know if the collections agency is a scam so I havent called them. Theyve never attempted to call me or send me anything. I submitted a dispute it the collection companies name is Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I am writing to formally dispute and report a critical issue regarding the reporting of my bankruptcy filed under XXXX Bankruptcy XXXX # XXXX. Despite proper filing and legal resolution, my credit report continues to reflect inaccurate or misleading information that has caused severe damage to my financial reputation and creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to have inaccurate information corrected promptly. Additionally, the Bankruptcy Code, 11 U.S.C. 727, protects individuals from the continued reporting of debts discharged in bankruptcy. The repeated failure of credit reporting agencies and creditors to update my account violates these protections.

This issue has caused tangible harm. For example, I was denied credit for necessary personal and professional purposes despite having legally discharged the obligations included in my bankruptcy. The ongoing reporting of this account as unresolved or inaccurately represented constitutes willful negligence and a failure to comply with federal law.

I request the following actions : Immediate correction or removal of all inaccurate information associated with XXXX Bankruptcy XXXX # XXXX from all credit reports. 

Written confirmation that the correction has been completed. 

Investigation into the reporting practices of all credit reporting agencies and creditors involved in this matter. 

To illustrate, despite filing bankruptcy and receiving a full discharge, my records continue to show unresolved balances and active accounts linked to this bankruptcy. This not only misrepresents my financial situation but also undermines the protections granted under federal law, creating a lasting negative impact on my life.

I urge the CFPB to take swift and decisive action to correct this injustice. The law is clear : discharged debts must not be reported as active or unresolved, and I expect full compliance.

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming that this issue has been resolved in accordance with federal 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 explanation