vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP

Complaint narrative:
So, what happened was that I went to US Bank, because that day I was going to receive my physical card. 
So then, I went outside to use the ATM for the first time with my new card to deposit all Cash I was having with me, which was the paycheck Ive just receive one day before. Somehow the ATM fail to do the transaction and it took all my money. And dos not print any receipt. The amount I put on the ATM was about $ XXXX {$1300.00} dollars. I instantly went inside to report the incident and they verify the money was not in my account. So the banker help me make a claim with Customer Service. They told me I was going to receive my money back in 10 business days. And also that I was going to receive the it resolution by mail.

I told the banker I wont be in the US for the next months, but they guarantee theyll help me.

After the 10 business days I receive a deposit on my account for the amount of {$1300.00} ( that was the amount I was kinda expecting ). 
Now, the problem is that almost 20 days later, ( XX/XX/XXXX ) they reversed {$590.00} dollars, I call them asking why that amount was reversed and the lady on the phone said that the resolution was already been given by the higher department after further investigation, and that she was not capable of doing another claim, because the resolution was already been given, and every detail was sent by mail. 
So now, my account is in negative, and if I dont pay, I will be charge with an overdraft of {$36.00} dollars every month.

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 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my husband and I paid off our loan with XXXX XXXX XXXX following a signed and dated settlement agreement between both parties. Since making the payment, we have contacted XXXX multiple times to request our payoff letter and vehicle title. 

It has now been over a month, and we still have not received either document. Each time we call, we are given inconsistent explanations such as the representative forgot to send it or its still under review despite the fact that several weeks have already passed. More concerning, XXXX representatives have repeatedly claimed that we still owe a balance and have attempted to collect additional payments on an account that should already be settled and closed.

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 2025-10-06 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: RFNA, LP
State: TX

Complaint narrative:
The presence of adverse information on my credit file has become a source of major XXXX  and XXXX  for me. I am extremely troubled by how this negative entry is affecting my financial opportunities and creditworthiness. This derogatory mark has already led to the rejection of a recent credit application and has caused my current lenders to raise the interest rates on my accounts. I need to stress the substantial economic hardship and personal strain that this negative reporting has inflicted upon me and will continue to inflict unless it is properly addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-10-06 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: VA

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 explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for citi priority checking account XX/XX/XXXX. There was a promotion for XXXX $ with $ XXXX deposit by day XXXX and maintain for additional 45 days. The online application would not work and I was told to call for phone application. I performed the application over the phone and was told the above bonus would be applied on my account. 

I performed the actions required effective XX/XX/XXXX and did not get the bonus. its been 2 months since the promotion period closed and when i called to inquire on the XXXX $ bonus citi told me there was no promo listed on my account. XX/XX/XXXX I have since called the application team and complained and I was told that someone would pull the original phone call application and listen to it to determine if i was told a promotion would be on my call. I was told that would take 1-2 business days and I would be given a determination. XX/XX/XXXX I have not heard anything back and whenever i called the various phone numbers, no one has helped me. I was told when I called that there was going to be an promotion code attached, but i believe the agent failed to do so even though it was explicitly discussed. 

I just want the promotion that I was told would be applied on my account when i applied ( again over the phone ) I fulfilled my end of the terms but they have not done theres

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 2025-10-06 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:
Both the bureau and furnishers are in violation of XXXX XXXX. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-06 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:
Both the bureau and furnishers are in violation of XXXX XXXX. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-06 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:
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 explanation
Consumer complaint received 2025-10-06 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to express my concerns regarding chimes failing to provide remaining balances after account closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues regarding the platform. Despite using Chime numerous time and reporting discrepancies, Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was unfeasable. The CFPB 's findings indicate that Chime not only has neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns for consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: NY

Complaint narrative:
Due to the unfair, incorrect and untimely reporting of the Credit bureaus my Fidelity Rewards Visa Card limit was reduced from {$7000.00} to {$2500.00}. I used this balance transfer option as a benefit provided to me and what i thought was part of the fact that my 401K was housed at fidelity with a substantial amount of money. I pay my bill on time and well above minimum. I am in good standing, yet I have been penalized due to " Credit Utilization '' What is the purpose of credit if you are penalized for using it properly. I am requesting my credit limit be reinstated to what it was prior thereby reducing my Credit utilization by putting back this credit to my name.

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: WA

Complaint narrative:
Unauthorized charges appeared on my card XX/XX/XXXX. So I contacted the card issuing company " XXXX ''. They immediately canceled the card and began the processes of issuing a replacement card. We received notification from the Postal service that thecard wasout for delivery but we never received it. We noticed that the address from the notification we received from the Postal service had " XXXX XXXX XXXXXXXX XXXX XXXX when it should have been " XXXX XXXX XXXXXXXX XXXX ''. So when I contacted XXXX again to explain that we had not received the replacement card and explained the discrepancy in the address. It started a nightmare for my family and I. They immediately canceled the card we never received. And because of the discrepancy in the address they informed me I would have to go through the lengthy process of verifying my ID. I did all that after going through absolute BS inorder to do so. I finally received another replacement card on XX/XX/XXXX. I have spent almost XXXX hours since on hold trying to activate the card that is my only means of accessing my SSI payments. I used 4 different phone lines today XX/XX/XXXX starting at XXXX trying to get through to a customer service representative for XXXX. It is now XXXX and all lines are still on hold. XXXX  incompetence in handling this matter has caused extreme hardship on not only me but my entire family. This is absolutely unaccessible to us and hopefully to your agency as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 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: MD

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} NCA - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX A Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
My money wasnt refunded and my account stopped working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: VA

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 explanation
Consumer complaint received 2025-10-06 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: TN

Complaint narrative:
I am filing this complaint against XXXX XXXX and Equifax for failure to remove fraudulent accounts from my credit report, despite multiple disputes and submission of required documentation. 
I am a victim of identity theft. I submitted : A formal FTC Identity Theft Report A police report documenting the theft Proof of identity and address These documents were provided in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates that credit bureaus must block fraudulent information resulting from identity theft within four business days of receiving proper documentation.

It has now been over 6 months, and the disputed items remain on my credit report. This is a clear violation of federal law and has caused ongoing harm to my creditworthiness and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle had not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and rises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: MA

Complaint narrative:
I am filing this complaint against Sezzle regarding a refund that has not been properly processed. 

I was supposed to receive a refund of {$440.00}. However, only {$220.00} was deposited into my account. The remaining {$220.00} is still missing. 

I have contacted Sezzle multiple times through their customer support channels, but no one has been able to resolve my issue or provide a clear explanation. This lack of accountability is unacceptable, especially from a platform that manages peoples money. 

This delay has caused me direct financial harm, since I was relying on the full refund being deposited on the correct date. Beyond the inconvenience, I was negatively impacted by the fact that the funds were not available when I needed them. If I had not personally monitored my refunds, I would have lost this money entirely. 


Additional Information : Total expected refund : {$440.00} Amount received : {$220.00} Amount missing : {$220.00} Payment platform : Sezzle I have kept records of all communications with Sezzle regarding this issue.

Company response to consumer: Closed with explanation