vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX, I initiated a transfer from Chime to my XXXX XXXX account. Its now 3 days later, and the funds are still pending. Ive contacted both companies multiple times and have been repeatedly told the issue is with the other party. I have proof of the transfer and no resolution. This delay has caused a serious issue I had an urgent bill that needed to be paid, and due to the pending status of this transfer, I was unable to make the payment on time. This has put me in a difficult and stressful financial position through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-13 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: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered Volvo Car Financial Services account was deleted from my XXXX credit report while still reporting on XXXX. This occurred during active arbitration ( XXXX XXXX XXXX XXXX ) where Volvos credit reporting accuracy is at issue. 
Key Facts : Volvos FCRA Violation : Failed to uniformly report to all bureaus ( 1681s-2 ( a ) ). 
XXXX Violation : Deleted disputed data mid-investigation ( XXXX ). 
Evidence Tampering : Deletion benefits Volvo by obscuring proof of illegal repossession/credit damage. 
Actions Taken : Requested Volvos reporting logs ( XX/XX/XXXX no response ). 
Filed arbitration motion for spoliation sanctions ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX has, in predatory fashion, broken up XXXX singular student loan into XXXX individual accounts to accrue interest on each one instead of what was disclosed on my Promissory note in agreement with the Department of education and has breached the conditions of our contract. As well, they have been falsely reporting said XXXX accounts as delinquent when they are deferred as I'm a XXXX XXXX- decreasing my credit score XXXX points. These in-corrections have been reported as incorrect, verified has incorrect, and removed from my credit report, still XXXX has XXXX these changes and has turned around to continue to misreport this information. These accounts are NOT past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX has, in predatory fashion, broken up XXXX singular XXXX loan into XXXX individual accounts to accrue interest on each one instead of what was disclosed on my Promissory note in agreement with the Department of education and has breached the conditions of our contract. As well, they have been falsely reporting said XXXX accounts as delinquent when they are deferred as I'm a XXXX XXXX decreasing my XXXX XXXX XXXX points. These in-corrections have been reported as incorrect, verified has incorrect, and removed from my credit report, still XXXX has XXXX these changes and has turned around to continue to misreport this information. These accounts are NOT past due.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX has, in predatory fashion, broken up XXXX singular XXXX  loan into XXXX individual accounts to accrue interest on each one instead of what was disclosed on my Promissory note in agreement with the Department of education and has breached the conditions of our contract. As well, they have been falsely reporting said XXXX accounts as delinquent when they are deferred as I'm a current student- decreasing my XXXX XXXX XXXX points. These in-corrections have been reported as incorrect, verified has incorrect, and removed from my credit report, still XXXX has XXXX these changes and has turned around to continue to misreport this information. These accounts are NOT past due.

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 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputed account XXXX XXXX  XXXX from transunion credit reporting agency and per FCRA guidelines Im entitled upon request to be provided documents that they used to determine whether the account was accurate, I just received a letter saying the account was verified, they refused to provide any information or documentation how they verified that account, refusing to follow FCRA guidelines and I therefore request that item be removed

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 2025-06-13 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-13 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: IN

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Credence Resource Management who are a Debt Collector based in XXXX, TX were in possession of a debt to XXXX  for XXXX dollars. When checking my credit report I noticed a negative positing with their name. 

All of this was a surprise to me because i never received any info from their company yet they are now damaging my positive XXXX XXXX. They had reported it on XX/XX/XXXX I believe and I reached out to Credence a few days later. I spoke with a XXXX XXXX at the company who could not find an account for me what so ever. I asked to speak with a XXXX and was put in XXXX XXXX, XXXX XXXX who claimed he found my file and that he was willing to take a reduced amount and once that was paid the company will send info to the credit bureaus to delete the negative posting which he said happens in XXXX days. I asked for proof of this arrangement sent to me in mail and via email, then he offered an itemized proof of debt. I never got any of it after XXXX  days so i called back on XX/XX/XXXX and was told XXXX XXXX was in a meeting and that I won't get an email from them with info i requested unless i email them with my info saying it it is ok to email I learned that the company had over XXXX complaints filed against them with the XXXX  so I am looking for them to remove this asap from my credit report and that i am going to sue them for XXXX XXXX so I won't need to worry about said debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I hire contractors to do some home renovations to my property XX/XX/year> and these men not only damage the materials I paid for, but they ran off with my money without completing any repairs.. I filed a dispute with capital one XX/XX/XXXX for both payments to these contractors for the amount of {$510.00} and {$1400.00}, with photos of how these contractors left the property, the invoice with the scope of the work, also included the invoice for the contractor that I had to hire to complete the project with a letter from the contractor stating his professional opinion on the job he had to complete .. Capital One rejected my dispute stating that I was 7 days late on filing, because there policy is 118 days past the payment posted, and I filed my dispute 125 days after payment posted. I explained to them that I only noticed that I used my Capital One card fairly recently, never missing a payment, never late, never filed a dispute in the past, even begged them for a one time policy exception.. Unfortunately they were not willing to compromise..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are accounts on my credit that I did not authorize and May have occurred through Equfax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As part of a benefit associated with Chase aer Lingus credit card, Im entitled to a companion pass ( economy ) when booking a flight with aer Lingus. Ive met all the criteria, but aer Lingus and Chase are not giving me the pass. They are stating that flights needs to be in and out of the same state, but there is nothing in the terms about this. The airline ( aer Lingus ) and Chase are telling me its the other organizations issue to resolve, and Im left stuck in the middle with no resolution. Now Im less than a month from the planned trip and Im short one ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, Achieve Personal Loans XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-06-13 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX federal repossessed my vehicle. Despite my active duty military spouse being gone on military orders. They said I was not protected by the XXXX as a spouse from repossession even when my spouse is gone on military orders. 
However my husband is a resident in Texas and all property is community property. 

I had to pay a XXXX dollar repossession fee plus an admin fee when I picked up my vehicle today. 

I had the administration fee in my checking account and navy federal took those funds from my account to apply to a charged off credit card.

I said I needed those funds for the admin fee to get my car back and I did not authorize them to take the funds. They said they could only reverse XXXX XXXX of the funds, and only if I agreed to set up a monthly auto draft to pay towards the charged off credit card amount. If I fail to pay XXXX a month in the required auto draft then all future funds deposited to my checking or savings will be taken to pay the credit card balance. And the account will be negative and Ill be charged an overdraft fee each month.

How is it legal to take any deposits made to my checking account and leave my account at XXXX or negative until the charged off credit card is paid in full? 
The funds originally were pulled from child support, Im currently receiving treatment for XXXX and Waiting on social security approval.

I can no longer afford to pay the admin fee to get my vehicle back. I have no way to go to my appointments or take my child to school or appointments, and my husband is gone on orders so he cant help either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: One Source Technology
State: TX

Complaint narrative:
Old charge got lawyer so it wouldnt show on my background check would appreciate it if it was removed so wont affect future employments Thankyou!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request the immediate removal of a XXXX  entry from my credit report under 15 USC 1681c. 
The bankruptcy in question is XXXX Date filed- Case XXXX XXXX  Please be advised that XXXX courts do not report information directly to credit bureaus. Therefore, this bankruptcy entry is inaccurately reflected on my credit report and needs to be removed. 
Please update my credit report to reflect this correction and provide me with written confirmation once the removal has been processed. 
Thank you for your prompt attention to this matter. If you require any additional information, please contact me at the address or phone number provided above. 

Sincerely, 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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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