vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-18 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: TX

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! 


XXXX XXXX # XXXX XX/XX/XXXX - {$51000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/year> Payment XX/XX/XXXXXXXX made to bank XXXX negotiable instrument XX/XX/year> Payment XX/XX/XXXXXXXX made to bank XXXX Paid Silver request to set off XX/XX/year> PaymentXX/XX/XXXXXXXX made to bank {$1.00} Tender Opportunity to cure I have made several attempts to process payments and instruments according to XXXX XXXX and XXXX. TENDER OF PAYMENT. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. 

My silver, federal reserve notes and negotiable were kept by the company and never credited to my account. Federal Law : XXXX U.S. CXX/XX/XXXXe XXXX states that U.S. coins and currency ( including Federal Reserve notes ) are legal tender for all debts. 
XXXX XXXX : Article XXXX, Section XXXX of the U.S. Constitution prohibits states from making anything but gold and silver coin a tender in payment of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am filing this complaint against Chime (XX/XX/XXXX XXXX Bank, XXXX. / XXXX Bank, XXXX. ) regarding their failure to properly handle and investigate a debit card dispute connected to a fraudulent vehicle sale. I purchased a vehicle from XXXX XXXX through in-house financing on XX/XX/year>. The dealer misrepresented the vehicles condition, claiming it had no prior damage when it actually had significant undisclosed accident or structural damage and the vehicle could not pass a safety and emissions test. I provided proof through an inspection report/ XXXX report and other documentation. When I discovered the deception, I filed a debit card dispute with Chime for my down payment and car note payments made to the dealer, explaining that the sale was obtained through fraud and misrepresentation. Chime later sent me a letter stating : Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. Chimes decision violates Regulation XXXX ( XXXX XXXX XXXX ) of the Electronic Fund Transfer Act ( 15 U.S.C. XXXX et seq. ), which requires : A reasonable, good-faith investigation into any reported error ; Completion of the investigation within XXXX business days ( or XX/XX/XXXX days if provisional credit is issued ) ; Written explanation and supporting evidence for the final determination. Chime did not : XXXX. Contact me to obtain additional information or documentation ; XXXX. Provide a provisional credit during the investigation ; XXXX. Supply documentation showing how they concluded no error occurred. Their failure to investigate or issue credit while a valid fraud dispute was pending constitutes a violation of Regulation XXXX The dealers conduct that caused the dispute violates multiple federal and Missouri consumer protection laws, including : XXXX. Federal Trade Commission Act ( 15 U.S.C. XXXX ) prohibits unfair or deceptive acts or practices in commerce ; XXXX. FTC Used Car Rule ( XXXXXX/XX/XXXXXXXX ) requires dealers to disclose known defects and damage history on the Buyers Guide ; XXXX. Missouri Merchandising Practices Act ( XX/XX/XXXXXXXX ) makes it unlawful to use deception, fraud, false promises, or misrepresentation in connection with the sale of merchandise, including motor vehicles ; XXXX. Missouri Motor Vehicle Franchise Practices Act ( XXXX XXXX et seq. ) prohibits false statements or concealment of material facts regarding vehicle history or condition. These misrepresentations voided the contract and rendered the sale fraudulent. The vehicle has been successfully returned to the dealer and theyre now directing me to dispute further proceedings through my bank. They are ignoring my attorney general complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate items on my credit report, including duplicate accounts, re-aged accounts, inconsistent information, and incorrect late-payment histories. These are new violations that were not part of my prior complaints and represent ongoing harm. 
XXXX. Duplicate accounts Experian is reporting multiple versions of the same accounts as separate tradelines. 
Examples : XX/XX/XXXX ( same account number ) reported XX/XX/XXXXwith different open dates. 
XXXX reported XX/XX/XXXX under different names. 
XXXX appears more than XX/XX/XXXX. 
XXXX is reported differently than the other bureaus. 
XXXX. Conflicting and inconsistent information Experian reports information that contradicts XX/XX/XXXX and XX/XX/XXXX 
Examples : XXXX XXXX shows XXXX late payments on Experian, but XX/XX/XXXX shows XXXX and XX/XX/XXXXshows XXXX. 
XXXX mortgage shows different status and payment information on each bureau. 
Some accounts appear on Experian but not on the other bureaus. 
XXXX. Re-aged accounts Accounts from XXXX now show Date Reported in 2025, which is not permissible and artificially damages my score. 
XXXX. Failure to conduct a reasonable investigation Experian previously marked my disputes as verified, but the accounts remain duplicated, re-aged, or inconsistent. 
This violates FCRA XXXX. 
XXXX. Missing original creditor information Some accounts ( including collections ) are missing required information such as the original creditor, violating FCRA XXXX ( a ) ( XXXX ). 
These errors have caused a severe drop in my credit score and ongoing financial harm. 
I am providing screenshots as evidence.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint on Cash app ( Block Inc. ) Due to the inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( XXXX ). Cash App failed to take timely efficient and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( XXXX ) and regulation ( XXXX ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: KY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge.please help me with these accounts removing them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: PA

Complaint narrative:
I took out several installment plans on orders on sezzle expecting to be home & able to pay them. At first i was i actually had a really good history of paying off many payments & loans on time with sezzle. Then the floor fell out from under me. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX unexpectedly due to a car accident. As soon as i got home i reached out to sezzle support via chat on their app they were completely unhelpful. I reviewed all my orders on my account & learned that i was being charged in total {$250.00} for failed & or late payment fees. Then to make matters worse sezzle started debiting my checking account despite me unlinking it. They not only took what little i had just managed to earn to buy groceries they severely overdrafted my checking account. I reached out to support via email because it says online sezzle will help with removing fees for financial hardship which this definitely is. I lost 3 months of income & had no way to contact anyone or manage any accounts while in jail. They seriously responded that they couldn't change the payment schedule yet that was not at all what i asked them. When i clarified in a response & begged for help again on removing or refunding the fees they not only refused to help me with even some of the fees they sent me instructions on how to avoid failed or missed payments. Proving yet again they are not listening to me. I was locked in a box with no access to my phone or anything & i explained this to them multiple times. I originally emailed them on XX/XX/XXXX then today after being again blown off & responded to with no help & useless information proving they are not even listening to me i requested a supervisor. I have enclosed screen shots of the emails as well as the recent transactions from my bank account. It is absurd that they are charging me {$250.00} in fees alone due to these trying circumstances then they insult me by not even listening to what I'm telling them & refusing to help me. I lost 3 months of income i am a single parent i am having a very hard time due to this happening to me & they are literally taking advantage of my dire circumstances. If this isn't financial hardship i don't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information in My file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I opened an account with Bank of America approximately 2 years ago. At this time, I signed up to receive email notifications when my statements became ready for review. This system worked well, and I consistently made payments every month. Despite no change on my end, Bank of America failed to notify me of my statements for two months in a row ( XXXX and XX/XX/year> ). As a result the payments were not made, leading to {$69.00} in late fees and damage to my credit score.

I verified that I am still signed up to receive email notifications, and I ensured that the emails did not go to my spam folder. They were never received. They also provided no notification that a payment had been missed. The first sign that something had gone wrong was the card being declined when trying to make a purchase.

I called Bank of America and talked to a representative who could offer me no explanation for why the notifications were not sent and who stated that nothing could be done to remove the late fees or repair the damage to my credit.

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 monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because several accounts and credit inquiries are being inaccurately and inconsistently reported across my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained copies of my credit reports from Experian, Equifax, and TransUnion, and I discovered multiple errors, conflicting dates, and missing payment histories. These issues have caused a significant decrease in my credit score and are harming my ability to qualify for a home loan. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> {$3200.00} XXXX to Phone number XXXX, she said she rejected the money due to wrong phone number, i still havent received it and I have evidence from her message that showing she returned it from her bank.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TN

Complaint narrative:
my inform was part of XXXX  DATA BREACH and accounts was open in my name XXXX u.s bank crop

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a casual dispute. My credit report contains multiple entries that clearly fail to meet the standard of maximum accuracy. These inaccuracies are ongoing, materially incorrect, and continue to harm my financial standing and well-being. I review my file regularly and these errors persist despite my prior attempts to resolve them. Their continued presence is unacceptable and is causing significant stress and real-world consequences.

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 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We purchased artwork with the Synchrony card. The account went to collections. I had a XXXX yr record of perfect credit. I am a XXXX combat veteran and have been dealing with memory issues. I was paying my account as agreed until I missed a payment. Then the payments ballooned. I was unable to keep up and I was getting confused with their billing. I was paying more than the monthly bill but the bill was more and more month after month. Ive tried to reach out to work out a payment schedule. However, the bill has increased to triple the amount. If they could contact me Id like to work out an arrangement that is fair. From letters Ive received, the company is trying to sue and place a judgement on me. Theyve never tried to return my messages to work out an arrangement. They know that my payment with them with perfect until it wasnt. Rushing to sue me is difficult as I no longer work due to the illnesses Ive succumbed to because of my combat services. I deal with severe pain daily. I would rather try to settle with them than go to court. Actually, Id rather give them their artwork back. Especially since Ive found that the art is not worth the value they placed on the appraisal letters.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request the deletion of incorrect, outdated, or unverified addresses appearing on my credit file. These addresses are not current and should not be associated with me.

Under the Fair Credit Reporting Act ( FCRA ) : 602 ( A ) Credit reports must be fair and accurate 607 ( B ) Bureaus must ensure maximum possible accuracy 611 Consumers have the right to dispute and correct inaccurate information I am requesting an investigation and deletion of the following incorrect addresses, which appear on my reports : REMOVE THESE ADDRESSES Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KEEP ONLY THIS CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Shown as current on XXXX XXXX XXXX XXXX  ) These incorrect addresses may negatively impact my credit profile, and I am exercising my rights under the FCRA to have them removed immediately. 

I have included copies of my identification to validate my current address : Drivers License Social Security Card Utility bill or bank statement showing current address ( optional ) Please provide me with written confirmation once these corrections have been completed.

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