vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: LA

Complaint narrative:
On XX/XX/XXXX, I noticed that a credit account is being reported on my credit file that does not belong to me. I contacted the credit reporting company on XX/XX/XXXX, and submitted a dispute with supporting documents. On XX/XX/XXXX, the company reported that the information was verified, but no proof was provided. 

Because of this error, my credit score dropped by approximately XXXX points and I was denied an auto loan on XX/XX/XXXX. 

I am requesting that the company reinvestigate this account and remove it if the furnisher can not verify its accuracy.

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 2025-11-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I noticed that a credit account is being reported on my credit file that does not belong to me. I contacted the credit reporting company on XX/XX/XXXX, and submitted a dispute with supporting documents. On XX/XX/XXXX, the company reported that the information was verified, but no proof was provided. 

Because of this error, my credit score dropped by approximately XXXX points and I was denied an auto loan on XX/XX/XXXX. 

I am requesting that the company reinvestigate this account and remove it if the furnisher can not verify its accuracy.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I received an alert indicating a credit inquiry for a new line of credit. Upon reviewing my credit report, I observed a credit injury for XXXX XXXX XXXX. I contacted the creditor to inform them that I neither initiated nor authorized this line of credit. Unfortunately, I was unable to resolve the issue directly. The credit card company advised me to contact the credit bureau. When I contacted TransUnion, I was informed that I needed to file a formal complaint through the consumer finance regulatory authority.

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 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I am submitting this complaint because an account on my credit report is being reported inaccurately and is harming my credit profile. The account is listed as closed and paid, but the credit reporting agencies continue to show negative indicators associated with it. This information is outdated and does not reflect the current status of the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Benht: Economic Development Corporation
State: KS

Complaint narrative:
I took out a loan for {$840.00} on XXXX, XXXX. I made the first payment on XX/XX/XXXX of {$400.00} and have continued to make payments up until this day ( XX/XX/XXXX ) as of today i have made a paid a total of {$2000.00}. The pay off day is XX/XX/XXXX and the final payoff is {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding how Bank of America is handling the pending closure of my bank accounts following a scam in which I was the victim. Fraudulent checks were deposited into my accounts, and I unknowingly forwarded the funds believing I was participating in a legitimate transaction. I received no financial gain from this activity. I have documented the incident with law enforcement and filed a police report ( Report # : XXXX, Date : XXXX ). 

When I contacted Bank of Americas Fraud/Electronic Claims department , I was told that my accounts are flagged as a scam situation and that I do not owe overdraft or reimbursement to the bank. However, despite acknowledging the situation as fraud, the bank could not confirm whether negative reporting to XXXX  or XXXX XXXX XXXX will be submitted after the account closure process completes. I have also not received any written determination, explanation, or documentation acknowledging that I am a fraud victim. 

Because the accounts are still active but under forced closure, I am in a difficult position. Without clarification or written confirmation, I may face future financial barriers, including being denied access to banking services, which is particularly harmful given that I did not intentionally or knowingly participate in fraudulent activity. 

I received a notice of the checks XXXX in which after I contacted law enforcement. The date on the notice is XXXX, in which is shows XXXX checks with a forgery return reason. Saturday XXXX, I received XXXX more notices, in XXXX notice had XXXX checks, in which unknowingly were fraudulent. The other notice had a check I did not deposit. I did not get a notice my bank accounts are going to be closed, and when speaking about that with the electronic claims/fraud claim, they woman speaking told me the bank does not normally sent notices. 

I am requesting CFPB assistance to ensure Bank of America : - Completes a full review acknowledging that I am a fraud victim. - Provides written confirmation that I am not liable and no negative reporting will be made. - Ensures no XXXX  or XXXX  reporting occurs unless and until the case is fully reviewed and resolved. - Provides transparency in the account-closure process and my rights as a fraud victim. Thank you for reviewing my complaint and helping protect my financial access and consumer rights.

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 2025-11-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I obtained services from merchant XXXX XXXX. On XX/XX/year> I filed a dispute with credit card company Synchrony Care Credit in the amount of {$1900.00}. I provided information and documentation to Synchrony Care Credit as they requested. They conducted an investigation and on XX/XX/year> informed me by email that my dispute was approved and that I should allow XXXX business days for the refund to post. As of today the refund has not posted and the {$1900.00} is still on my statement and I am still being charged interest. 
Please see attached Synchrony Care Credit letter stating " Your dispute was approved '' with an approval date of XX/XX/year>. 
Please also see Synchrony Care Credit statement dated XX/XX/year> showing the charge of {$1900.00} posted XX/XX/year> still due and owing and still accruing interest. 
Phone calls to Synchrony Care Credit have gotten me no results.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Unauthorized transfer due to coercion and physical control of my phone. Chime is denying my claim even though I did not authorize the {$490.00} transfer. 

What happened : I was attempting to purchase an item from XXXX XXXX. The seller asked me to send a {$5.00} test payment. I voluntarily sent the {$5.00}. When I arrived, the person suddenly grabbed my phone out of my hand, opened my Chime app, and sent themselves {$490.00} through XXXX XXXX. I did not authorize or initiate this {$490.00} transfer. I was scared and intimidated during the situation and the transfer was made by the scammer without my permission. 

Why this is unauthorized : The scammer had physical control of my device and initiated the transfer without my consent. This is a case of coercion and third-party fraud, not an authorized transaction. I immediately realized I was scammed and filed a dispute with Chime. 

What Chime did : Chime denied my dispute multiple times, despite me providing : A police report Screenshots and messages from the scammer Explanation that I only sent the {$5.00} test payment voluntarily, NOT the {$490.00} Chime claimed the transaction was authorized because it came from my device, even though the scammer physically took my phone and carried out the transfer. 


Why I am filing this complaint : Chime is refusing to reimburse me under Regulation E, which protects consumers from unauthorized electronic fund transfers. This was not an authorized transaction, and the bank did not conduct a reasonable investigation. I am requesting a full review by Chimes Executive Response Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank wrongfully seized my SSI benefits and denied my fraud claim based only on card/PIN use Complaint : Citibank denied my fraud dispute and seized my protected SSI and SSP benefits to cover a negative balance caused by fraudulent activity. Their only justification was that my stolen debit card and stolen PIN were used. They concluded I was at fault, even though I reported that my card was not in my possession at the time of the transactions. Citibanks report falsely states that I had the card in my possession, which is untrue. 

My debit card was stolen, and the person who stole it also accessed my PIN number as I, admiringly made a stupid choice, but I have it written on the card. Im forgetful and have multiple cards for various things and keeping up with PIN numbers is hard. This individual deposited a fraudulent check and then performed additional unauthorized transactions. I do not know who did it. I did not authorize any of these actions. Under Regulation E, the bank must treat unauthorized card and PIN use as fraud, even if the PIN was written down or compromised. Negligence does not eliminate federal fraud protections. 

Citibank has provided no proof that I personally conducted or authorized the transactions. They have not provided ATM video footage, teller verification, or any evidence showing that I had the card during the fraudulent activity. Their finding is based solely on the fact that the PIN was used, which is not sufficient under federal law to deny a fraud claim. 

Additionally, my only income is SSI and SSP. These benefits are federally protected under 42 U.S.C. 407 ( a ) and 31 C.F.R. Part 212, and can not legally be taken by a bank to cover debts, overdrafts, or disputed transactions. Despite this, Citibank seized my entire Social Security deposit to cover the alleged negative balance, leaving me with no income for the month.

I am requesting that the CFPB : 1. Require Citibank to restore my seized SSI/SSP benefits, which are exempt from collection or setoff.

2. Order Citibank to reopen the fraud investigation, as it was improperly closed based only on PIN use, without evidence. 
XXXX. Require Citibank to provide actual documentation proving their claim that I had the card in my possession, which I did not. 
4. Prevent Citibank from using future federal benefits to satisfy this alleged debt.

5. Remove the negative balance caused by transactions made with my stolen card and PIN.

Citibanks investigation is incomplete, inaccurate, and does not comply with federal regulations. I need immediate assistance recovering my protected income and having this fraud properly investigated. 

Thank you for your help.

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 2025-11-23 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: GA

Complaint narrative:
I have asked that XXXX XXXX XXXX stop reporting false information. All my personal information came up in a data breach. My personal information was used in an attempted Freud. I did not get any goods from this company and is asking that this is removed for good from my report.

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 2025-11-23 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: IL

Complaint narrative:
This complaint concerns systemic FCRA, Metro-2, and USC violations by Experian, Equifax, TransUnion, and XXXX XXXX XXXX  XXXX XXXX All parties are reporting materially inconsistent, inaccurate, and unverifiable information, resulting in financial harm, credit denial, and emotional distress. 


-- - Issue 1 : Inaccurate Reporting of XXXX  XXXX Account # XXXX Each CRA reports different data for the same account : Different open dates Different status updated dates Different balances Conflicting payment histories ( TU has none ; EXP has 10 months ) Conflicting dispute notations This violates : FCRA 1681e ( b ) FCRA 1681i FCRA 623 ( a ) Metro-2 -- - Issue 2 : Inaccurate Reporting of XXXX  XXXX Account # XXXX Similar violations as above across all three CRAs. 


-- - Issue 3 : Inquiry Reporting Violations Experian reports inquiries not listed on Equifax or TransUnion TransUnion reports zero inquiries Equifax reports three additional inquiries This proves information is being reported : Inaccurately Incompletely Without permissible purpose ( FCRA 604 ) -- - Damages Requested Total damages : {$79000.00} for willful and negligent violations under 15 USC 1681n and 1681o.

Requested CFPB Action I request the CFPB to order : Deletion of all inaccurate data Enforcement against the CRAs and XXXX XXXX Compensation for statutory and actual damages

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 2025-11-23 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: IL

Complaint narrative:
This complaint concerns systemic FCRA, Metro-2, and USC violations by Experian, Equifax, TransUnion, and XXXX XXXX XXXX  XXXX XXXX All parties are reporting materially inconsistent, inaccurate, and unverifiable information, resulting in financial harm, credit denial, and emotional distress. 


-- - Issue 1 : Inaccurate Reporting of XXXX  XXXX Account # XXXX Each CRA reports different data for the same account : Different open dates Different status updated dates Different balances Conflicting payment histories ( TU has none ; EXP has 10 months ) Conflicting dispute notations This violates : FCRA 1681e ( b ) FCRA 1681i FCRA 623 ( a ) Metro-2 -- - Issue 2 : Inaccurate Reporting of XXXX  XXXX Account # XXXX Similar violations as above across all three CRAs. 


-- - Issue 3 : Inquiry Reporting Violations Experian reports inquiries not listed on Equifax or TransUnion TransUnion reports zero inquiries Equifax reports three additional inquiries This proves information is being reported : Inaccurately Incompletely Without permissible purpose ( FCRA 604 ) -- - Damages Requested Total damages : {$79000.00} for willful and negligent violations under 15 USC 1681n and 1681o.

Requested CFPB Action I request the CFPB to order : Deletion of all inaccurate data Enforcement against the CRAs and XXXX XXXX Compensation for statutory and actual damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: GA

Complaint narrative:
Upon reviewing my credit report, I was extremely concerned to discover several negative items being reported that appear to be inaccurate, incomplete, or entirely unverifiable. These entries are damaging my creditworthiness and do not reflect my actual financial history. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fully verifiable information, and I will not tolerate the presence of accounts that can not be substantiated with proper documentation. The reporting of any information that is outdated, misleading, or unsupported is unacceptable, and I am demanding immediate attention to these issues. I expect each negative entry to be thoroughly investigated, validated with original-source documentation, or permanently removed if verification can not be provided. My credit profile must reflect only accurate, complete, and lawfully reported informationnothing less.

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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am filing a complaint regarding an account being reported by LVNV FUNDING INC. I submitted a written dispute to the credit bureau under & 611 is a requesting an investigation and verification of LVNV FUNDING LLC account being reported. The data LVNV FUNDING LLC is finishing is in accurate and inconsistent. They did not provide proper verification or documentation proving the accuracy of the account or my legal obligation to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
I called on XX/XX/XXXX to payoff settlement offer I asked for email confirmation first rep stated I had to payoff before email could be sent I received a loan for {$650.00} paid {$450.00} on loan stated XXXX XXXX XXXXXXXX was {$750.00} in which I didnt understand I said Ill settle for {$350.00} I went to go load prepaid card about XXXX I called XXXX XXXX  at XXXX and stated my loan was {$950.00} went up {$200.00} in an hour I stated what the rep told me and they just asking me who told me that then told me it was XXXX XXXX XXXXXXXX it goes up daily in that amount

Company response to consumer: Closed with explanation