vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-07 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-07 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX added was fraud I never used them and I tried to contact company and they denied my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I have been a loyal Bank of America customer since XXXX. I am a single mother of XXXXXXXX XXXX XXXX ages XXXX and XXXX, and I have worked very hard to achieve my dream of becoming a first-time homeowner at XXXX XXXX XXXX. Unfortunately, my experience with Bank of America during this process has been deeply disappointing and, in my opinion, misleading. 
I was originally told that I qualified for {$17000.00} in grant assistance, but I did not receive the full amount at closing. Additionally, my closing date was supposed to be XX/XX/XXXX, but due to an error on the banks end they failed to order a required tax document my closing was delayed. After multiple delays, I was then promised to close on XX/XX/XXXX, but that date also passed without closing. I ultimately did not close until XX/XX/XXXX. 
Because of their mistake, I was forced to choose between paying another months rent or facing homelessness, as my lease ended XX/XX/XXXX. I provided every document requested, including proof from the IRS showing that I did not work during the year in question. Despite this, the bank claimed they could not bypass the missing document yet once the government shutdown began around XX/XX/XXXX or XXXX, they ultimately did proceed without it. 
On XX/XX/XXXX, I met with the banker to review my closing disclosure, which showed that I would need {$6500.00} to close, leaving me with about {$3400.00} to repair my leaking roof. However, at the actual closing on XX/XX/XXXX, I was suddenly told that I had to pay over {$10000.00} because they had forgotten to account for taxes. This change completely wiped out my savings. 
I feel that I was pressured, misled, and financially taken advantage of. I was assured one amount for closing and then told something completely different at the last minute, knowing I was under extreme time pressure to move. Because of their errors and misinformation, I am now unable to repair my roof and have incurred additional expenses such as rescheduling movers, paying prorated rent, and other related costs. 
I am requesting that the Consumer Financial Protection Bureau investigate this situation and assist me in obtaining reimbursement for the misleading costs, miscalculated closing funds, and other financial hardships caused by Bank of Americas negligence and misrepresentation. 
Thank you for your time and consideration.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chimes failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
They charged me late fees randomly without sending any bills. Charged me an extra XXXX dollars.

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 2025-10-07 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: AR

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 CFPB 's findings indicate that Zelle has not only 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 about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I made a purchase of {$250.00} at Kohls on XX/XX/XXXX. I paid the balance within a couple days and closed the account. Capital One did not let me know that my payment didn't go through via text or email. I got a late fee notice and called to ask for a reversal considering I had obviously made the full balance payment. They said there was nothing they could do and would not reverse the fee or provide information as to the reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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:
Even though the account was fully paid, it continues to display delinquency remarks.

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 2025-10-07 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:
On XX/XX/year>, I initiated a request with Experian to block specific accounts on my credit report, asserting these accounts were fraudulently opened due to identity theft. Experian, on XX/XX/year>, formally notified me of its decision to decline the blocking request subsequent to its investigation with the relevant creditors. I had provided comprehensive documentation in support of my claim, consistent with the requirements of 15 U.S.C. 1681c-2 ( 605b ), which included, but was not limited to, a copy of my driver 's license, a utility bill, an official identity theft report, a police report, and a detailed communication specifying the accounts to be blocked, inclusive of account numbers and balances, as explicitly requested by Experian.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I saw on my Chase bank checking account that I was charged an amount of {$91.00} on XX/XX/XXXX. I immediately went to dispute the charge as I knew it was unauthorized. Apparently, I started a free trial expected to last 10 days, started on XX/XX/XXXX expected to end on XX/XX/XXXX. Had I decided to continue the service, I would be charged on XX/XX/XXXX. I canceled this free trial before the enddate. Along with being erroneously charged at all for a free trial I canceled before it even ended, I was charged prematurely on XX/XX/XXXX. After submitting the claim for XXXX in Chases app, I saw that I have been charged for this service I was not receiving for 3 months - XXXX, XXXX, XXXX - while also not receiving the service as I was constantly suggested from my account to purchase the service. I even received this attached email to reactivate the service on XX/XX/XXXX. How could this be so if I was continuing the service? Why would I be asked to reactivate a service I was charged for 6 days later? A service I was unknowingly and erroneously paying for 3 months? They are asking me to reactivate because it was deactivated the day after I agreed to the trial. I knew of my banks XXXX rule and on this call, I confirmed that I will receive a refund for all three transactions at the end of investigation and I was assured that it will be in my favor. However, I saw on XX/XX/XXXX that XXXX of the transactions was charged to my account permanently. I reached out immediately to my bank again to inquire why. I was told that the XXXX transaction was pending when I submitted my requested a day after and that I will have to wait until after its posted. I noted how this made no sense to the rep. I was then told this was the reason it was denied and that I could reopen the claim when a letter is sent to me and I upload it with my signature. I did so. The letter came with the transaction for XX/XX/XXXX being attached. I uploaded it to reopen the claim. I was never contacted again despite being told I would be called. I took it upon myself to call my bank for an update and am being told it was denied again now to a different reason and a different rule not known to the consumer of a XXXX window. However, had I not been charged prematurely, the transaction wouldve been within this timeframe. I then tried to contact the merchant at XXXX where they told me that only my bank could resolve. I have continuously been gaslighted, misinformed, and received misleading advising from the reps at Chase bank. They have caused me immense stress with this situation. I was also told it was my fault for submitting multiple claims although I was informed on the phone that it would be no issue. It is now XX/XX/XXXX. I have been dealing with this since XX/XX/XXXX. They wouldnt even offer viable options for appealing the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
l am filing a complaint regarding an account being reported by XXXX XXXX XXXX. This company is reporting inaccurate information on my credit report. I do not have any active or valid account with XXXX XXXX XXXX, and I have never received proper validation or documentation proving that this debt belongs to me. 

I have disputed this account with the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my disputes, the account continues to be reported and is negatively affecting my credit profile. The company has failed to provide proof of the alleged debt, original creditor details, or verification of ownership. 

I am requesting the CFPB to investigate XXXX XXXX XXXX for failure to verify the account information and to ensure this account is permanently removed from my credit reports if it can not be properly validated.

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 2025-10-07 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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 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 the tracking these transactions was unfeasible. The CFPB findings indicate That Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I received a collection notice from First Credit Services , Inc. regarding an alleged debt from XXXX XXXX XXXX. I immediately disputed the debt because I had already cancelled my gym membership directly with XXXX months earlier. 

After my dispute, XXXX XXXX investigated and confirmed that the issue was caused by their staffs mistake the employees failed to properly process my membership cancellation in their system. XXXX admitted their error and provided me with a signed letter confirming that my account was officially cancelled and that I owe no balance. 

I sent this cancellation letter to First Credit Services as proof that the debt was invalid. However, they refused to remove or close the account, claiming their records still show the balance as due even after I provided the gyms official documentation. 

Because of this, the invalid debt remains on my credit record, affecting my credit score and history unfairly. 

I am requesting that the CFPB require First Credit Services , Inc. and XXXX XXXX to immediately remove this invalid debt from all credit reports, acknowledge that I do not owe any balance, and confirm that the case is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only 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 about consumer safety.

Company response to consumer: Closed with explanation