vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank erroneously closed my credit card. Synchrony is the bank that processes my Sam 's Club account. I received a letter on XX/XX/year> with the reason - " Activity on account with Synchrony Bank indicative of high risk of failure to pay ''. I called and spoke to a manager twice. I explained that my credit is exceptional ( the highest rating possible ), and that my credit report reveals no suspicious activity or inquiries. I have not defaulted on any credit card payments. I have been a Sam 's Club member for 24 years, and paid everything on time. I received a follow-up letter from Synchrony on XX/XX/year>. It said my account was closed " due to activity demonstrated on one or more accounts with Synchrony Bank ''. There are 2 other accounts with Synchrony for retail department store transactions. Both accounts are flawless, payments made on time, and my credit report says " exceptional history '' for not only these accounts, but every account that I have. Their letter also states that their " decision is final ''. Synchrony 's statement that I have a " high risk of failure to pay '' is atrocious and ridiculous. Additionally, the two Synchrony managers ' response to my phone inquiry was arrogant and rude. I demand an answer from Synchrony 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 non-monetary relief
Consumer complaint received 2025-11-10 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: OR

Complaint narrative:
I am filing this dispute regarding the following accounts on my credit report that are being reported as charged off and/or contain inaccuracies. The listed accounts do not accurately reflect the status of my credit. Please review these accounts for corrections. 

CHARGED OFF ACCOUNTS XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Balance : {$0.00} INQUIRIES XXXX XXXXXXXX, Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Bank received a notice from the State of NJ to place a levy on my savings account on or around XX/XX/25. Ally Bank placed a levy on my account in the amount of {$4300.00} and notified me on XX/XX/25. The amount of the levy was incorrect, so I contested the amount with the State of NJ on XX/XX/25. Ally Bank received notice from the State of NJ dated XX/XX/25 of this contest stating " until you receive instructions from our office..... please continue to withhold the account up to the past due amount ( {$1900.00} ) '' shown on the notice. Instead of continuing to hold the funds per the State, Ally Bank sent the State of NJ {$4300.00} in funds from my account. Ally Bank then sent me a letter dated XX/XX/25 stating they sent {$4000.00} to the State of NJ.

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 2025-11-10 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: VA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX  XXXX, VA XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] To : XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX, SC XXXX ] Subject : Cease and Desist Communication and Reporting Concerning Disputed Account Account Reference [ XXXX ] Dear XXXX XXXX XXXX, I am formally requesting that you cease and desist all communication with me regarding the above-referenced account pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 
This account is disputed in its entirety. I do not acknowledge any debt to your company, and your continued reporting of this account to credit reporting agencies constitutes ongoing collection activity and damages my credit reputation. 
Under the FDCPA, once a consumer notifies a debt collector in writing to cease further communication, you are prohibited from contacting me except to : 1. Advise that further efforts to collect the debt are being terminated ; 2. Notify me that certain specified remedies may be invoked ; or 3. Inform me that you intend to invoke a specific remedy. 
Additionally, please note that under 15 U.S. Code 1692e ( 8 ), you are prohibited from communicating or threatening to communicate false credit information, including failing to report that a debt is disputed.

Therefore, I demand that you : 1. Immediately cease all communication with me regarding this account ; 2. Refrain from any further collection activity, including phone calls, letters, or third-party contacts ; and 3. Cease reporting this account or any related information to any consumer reporting agency while it remains disputed.

Failure to comply with this notice may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office, and may subject your organization to civil liability under 15 U.S.C. 1692k.

Please confirm in writing that you have received this notice and that all collection and reporting activity on this account has ceased. 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Borrowed money on XXXX and I was given a date that does not align with my pay date. This is the second complaint I have filed with the company. Any money that goes into my bank account they take every XXXX of it in between the time I receive my every other week payroll which causes me more financial hardship. I informed Customer service that I have a direct deposit for child support that their system keeps acknowledging as a pay check so they take that survival money before what should be my pay day loan payroll.date and they won't change but tell me to change the date in the app. The date does not extend to my pay date though.... they have banking information and offer me loans according to my payroll deposits but give me pay dates according to a {$30.00} child support deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MI

Complaint narrative:
I had an unauthorized charged XXXX on my Paypal Credit card for XXXX XXXX XXXX  XXXX. I contacted Synchrony 3 times. First one claims to have submitted the dispute and several days later nothing. I called again This person says she the last person didnt submit the complaint and she claims she did submit it this time. Well several days later nothing again. So i called again and this person says the last didnt process it properly and that i would get a form in the mail to fill it. I have not gotten any thing and its been 10 days. and also no credit on my account for the charge.

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 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC
State: TX

Complaint narrative:
The company is Receivable Solutions LLC, they are collecting for XXXX XXXX. They have sent me bills for a debt in 2023 that is for someone else, not me. The name is the same, the DOB is different, and I never went to this XXXX  for any procedure ever. 
I contacted the facility several times, and finally went in person to show them my ID. They said the matter was resolved. 
I received a letter from Receivable Solutions, they are trying to collect this money. I disputed the debt, they sent me a letter saying that I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: OH

Complaint narrative:
According to 15 usc 1681 I have the rights to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus its coming back as updated and verified without a proper investigation the company failed to send me any of the information i requested even with my other complaint they never sent verification of debt the original contract bearing my signature & explanation of the amount and how it was calculated

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am writing to follow up on a fraudulent ATM withdrawal from my account that occurred a month ago. Despite providing all necessary documentation, including images showing I was at home on the day of the transaction, I was notified that my claim was closed without resolution. 

I am extremely frustrated by this, as I have complied with all requests and have done my part to prove that I did not make the transaction. I kindly request a detailed update on why my claim was closed and immediate action to reopen and resolve the issue. 

This matter is causing significant inconvenience, and I expect a prompt response and a clear explanation of the steps you will take to rectify the situation. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My issue is with Marcus by Goldman Sachs. I need to withdraw my money from my account to my checking account with my credit union to pay my property taxes. XXXX XXXX XXXX website requires you to use a checking account to pay your property taxes. I have tried to withdraw my money from the bank multiple times. I called ahead of time to make sure the transfer of the money to my checking account goes well so that I am able to pay my taxes. They made me answer a crazy amount of questions, do a 3 way call with the bank I am trying to transfer to, then more questions. It took around an hour. I told them to transfer the full amount of around {$8400.00} instead and close out the account. They told me the transfer should work. They then declined the ACH. I called back and they made me do the 1 hour interview for " verification '' again. They then made me wait for the ACH to reverse to try again. It declined again. I then called back again for the process again and I get another email that they declined my transfer again. They are holding my money hostage. I do not know what else to do as I have already tried to work with them and they declined my transfer 3 times. I need this money to pay my property taxes and do not want to be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Ok so XX/XX/year> somebody sent me about {$140.00} to pay my car note thru a p2p transaction and chime took every cent to cover my pay outstanding balance, and my car was repossessed. Months later chime sends me an email apologizing promising a refund plus a courtesy credit which I did not received of 22 % of the balance paid plus for the amount of days since the day they took the funds by XX/XX/year> and reversed the repayment and brought my outstanding balance back again. They said any direct deposits to the account will be used to cover the outstanding balance and after XX/XX/year> any deposits made to the account can be used to cover the balance, but never said anything about p2p transfers being used to cover the balance just like they never did the first time they took my whole car payment. So again just yesterday XX/XX/year> somebody sent me {$60.00} p2p transfer and I never got it because chime intercepted it to cover the my pay balance. Its really frustrating because I already payed this balance off on XX/XX/year> and suffered major set backs from it then they reverse it just to do the same thing to me over again like some kind of sick joke. I contacted customer service immediately both times and both times customer service refused to help me I have screen shots of emails and chat feeds with customer service and all of them clearly state that only DIRECT DEPOSITS AND DEPOSITS after XX/XX/year> will be used to pay back the balance NOT p2p transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-11-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NJ

Complaint narrative:
I requested money transfer from Abound by times of XXXX app and the inital delivery date was promised XXXX XX/XX/year>. The transaction was initiated XX/XX/year> and they keep giving me the same response that there is a delay with their banking service provider which is causing the delay. It has been XXXX calendar days now and I still haven't received the money. They are scamming people.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
This XXXX, after my CD account at Bank of America ( BofA ) was closed, the {$100000.00} in the account was mailed to me in the form of a check. However, the check was stolen in transit. I placed a stop payment at the branch counter, but the funds from the check were still deposited by someone else. This case has been under investigation since XXXX of this year, and so far all I have been told is, the check was deposited at XXXX. I have received no compensation.

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 2025-11-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list if the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Mr. Cooper estimated our XXXX taxes at almost double the amount of our XXXX property taxes. 

We should not continuously have these issues with our escrow and property taxes. 

Our actual property tax for XXXX is {$1700.00} TWICE a year for a yearly total of XXXX. 

Mr. Cooper almost DOUBLED our projected yearly property tax estimate for XXXX at {$6700.00} That is NOT even close to an accurate estimate for our XXXX property taxes. The estimate should be no more than 4-5 %. At the higher end of that projection, our taxes should be estimated between {$3600.00} - {$3600.00} total for XXXX. 

As a result of Mr. Cooper 's gross overprojection, our escrow is listed as short, which it is not. 

The projected shortage proposes a significant increase to our monthly mortgage payments. We received a XX/XX/XXXX Mort bill that is over {$300.00} higher. 

Mr. Cooper erroneously paid an incorrect much higher XXXX property tax bill. Their payment paid almost ALL of our XXXX taxes. Mr. Cooper received an updated property tax bill of {$3400.00} but is basing the XXXX projected tax bill on the erroneous property tax bill despite my filing a complaint with you and forcing Mr. Cooper to rectify the error. Now they are doubling down and grossly overestimating our tax bill. 

I appreciate your immediate attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation