vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
I emailed the Chime executive office regarding my recent experience with a disputed transaction. While no fraud had occured. The seller, in this case XXXX sold me a product that was not as expected. I was unable to resolve with XXXX directly as I had voluntarily closed my account with them. And XXXX did not help any. So I resorted to dispute with Chime. Chime states they " have their customers back '' in infomercials. Unfortunately they did not have my back in this dispute. I understand banks may not be able to resolve a consumer dispute in the customers favor always. 

Chime... 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Goods/Services Not As Described Date Error Reported : XXXX Claim Amount : {$19.00} Hello XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
I left on XX/XX/year>, and did not now about this until I applied for a loan on XX/XX/year>, I was not mad aware of the debt and was told that i could part on satisfactory terms and now I can't get the loan that I am applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: 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 XXXX 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 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services/ LVNV Funding LLC are reporting the following on my credit report : 1. Ref # XXXX {$1200.00} XXXX XXXX XXXX  XXXX. {$1000.00} XXXX XXXX XXXX  XXXX. {$1000.00} XXXX XXXX  They have not properly validated these accounts. As a result they have damaged my credit. They have violated the Consumer Credit Law USC 1692g. Since they cant validate they cant report on my credit report.They sent me a summary of an account which does not validate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
Im enrolled in autopay for my mortgage, they sent in the ACH transfer request multiple days before my due date. My bank not knowing what its for obliged and payed the requested amount. I have auto pay set up for my pay day so there is money in the account when its supposed to be drawn out, I do not have the funds to cover it 3 days prior to that. I asked them why this was the case and have gotten 2 different answers from customer service and no information provided to prove either of their answers. My banks says the payment was submitted early so it was paid early, it should have been requested in the appropriate day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Response to CFPB Complaint XXXX Consumer : XXXX XXXX XXXX XXXX XX/XX/year> I am submitting this response in support of my complaint regarding TransUnions refusal to properly investigate and remove six ( 6 ) unauthorized hard inquiries that appeared on my credit file.

1. Background On reviewing my TransUnion credit report, I discovered six hard inquiries that I did not authorize and do not recognize. These inquiries negatively affect my creditworthiness. I promptly disputed the inquiries in writing and by telephone with TransUnion.

I specifically requested proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires that consumer reports ( and the inquiries associated with them ) only be accessed with proper authorization. 
2. Failure of Investigation Despite my disputes, TransUnion has not provided documentation showing : The identity of the party that made each inquiry, The permissible purpose for the inquiry, or My authorization for access.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must complete a reasonable reinvestigation of a consumers dispute within 30 days. If the item can not be verified, the agency must delete it under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

It has been more than 30 days since I submitted my disputes. TransUnion has neither provided verification nor removed the six disputed inquiries. This constitutes a violation of my rights under the FCRA. 
3. Violations of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to complete a reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information.

15 U.S.C. 1681b ( f ) : Furnishing a consumer report without a permissible purpose.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

4. Requested Relief I respectfully request that the CFPB require TransUnion to : Immediately delete all six unauthorized inquiries from my credit report as they remain unverified after the statutory 30-day period ; Provide written confirmation that the items have been deleted ; and Ensure future compliance with the FCRA. 
5. Consent for Publication I consent to publication of this complaint ( with personal information redacted ) on ConsumerFinance.gov, so other consumers can learn from my experience.

Fair resolution : Removal of all six unverified inquiries from my credit report, as required by the FCRA when no verification is provided within 30 days. 
Respectfully submitted, 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 2025-08-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Apartments Date opened XXXX. XXXX, XXXX Balance {$160.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Credit Cards Date opened XXXX XXXX, XXXX Balance {$4900.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$36000.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$39000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$38000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi XXXX XXXX XXXX XXXX card statement shows four charges from a merchant, but both the merchant and I have confirmed there were only three items purchased and there should only be three charges. Citi refused to refund the fourth charge. They said as courtesy theyd refund 40 %. Ive been a customer for almost a decade and have paid my bill in full every time.

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 2025-08-30 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: LA

Complaint narrative:
I sent a certified letter to TransUnion ( tracking # XXXX ) with proof of identity and supporting documentation under FCRA 605B. I am requesting that the following accounts be immediately blocked and permanently removed : 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 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 XXXX XXXX XXXX XXXX XXXX  The following inquiries must also be blocked and permanently removed : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Despite multiple certified disputes and repeated requests, TransUnion continues to report accounts and inquiries that are inaccurate, unverifiable, or not properly documented. Previous verified responses provide no competent proof, which is a clear violation of FCRA 605B and 607 ( b ), as well as Metro 2 compliance standards. 
I expect TransUnion to conduct a fully independent and separate investigation for each item, without relying on other bureaus or unverified furnisher statements. All disputed items must be blocked within XXXX business days and permanently removed, including from any third-party affiliates or companies that may store or report this information. 
This ongoing reporting has caused me denial of housing, higher credit costs, and significant stress. My personal information was compromised in the XXXX XXXX  data breach, for which I received a settlement. Continuing to report unverified items tied to that breach is reckless and harmful. 
I request immediate action to comply with FCRA 1681c-2, 1681e ( b ), 1681i, and Metro 2 standards, and confirmation that all items have been permanently removed.

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 2025-08-30 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: TN

Complaint narrative:
I am disputing an inaccurate late payment being reported by Experian. I have filed disputes multiple times ( most recent : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), yet Experian continues to report the account as verified without providing the supporting documentation required by law. 

I specifically requested that Experian obtain and provide proof, such as billing statements, payment history, or time-stamped records, to establish that the payment was actually late. Experian has failed to provide such documentation. Instead, the item continues to be reported based only on an automated response, which is not a reasonable reinvestigation. 

Federal law requires accurate reporting and proper reinvestigation : 15 U.S.C. 1666b ( a ) : A payment received by XXXX p.m. on the due date must be treated as timely. If my payment met this requirement, reporting it as late is inaccurate. 
15 U.S.C. 6802 : Requires my nonpublic personal financial information to be handled lawfully and accurately. Reporting false or misleading late payment data is a violation.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Defines consumer report information and requires it to be accurate and complete. Inaccurate reporting does not meet this standard.

15 U.S.C. 1681i : Requires a consumer reporting agency to conduct a reasonable reinvestigation when information is disputed. Merely echoing the furnishers automated response does not meet the definition of reasonable reinvestigation. 
15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 6802 ( GLBA ) financial info shared without opt-out consent.

Because Experian has failed to verify this late payment with proper documentation and continues to report it inaccurately, I am requesting that the item be corrected to show on time or deleted from my credit report entirely.

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 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I received a payment on XXXX from a stranger and contacted XXXX support because I was concerned it could be part of a known scam involving fraudulent or hacked accounts. 

During the support chat, XXXX  sent the money back to the sender. However, I repeatedly asked XXXX to confirm whether I would be held liable if the payment was later found to be fraudulent. My question was dodged multiple times, and I never received a clear answer. I also requested a transcript of my support chat, which XXXX stated would be sent to me, but I never received it. 

In addition, the agents tone came across as condescending rather than supportive, which made me feel dismissed rather than reassured when raising a legitimate fraud concern. This lack of transparency, accountability, and professional tone left me uncomfortable, and I ultimately chose to close my XXXX account. 

I am filing this complaint to ensure the interaction is escalated and reviewed, as customers deserve clear, respectful, and direct answers when raising fraud concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged an excessive amount of interest due to the 'deferred interest ' terms of a promotional offer. I purchased a TV with a XXXX 'no interest if paid in full ' promotion. I was not aware that failing to pay the full balance by the end of the promotion would result in all the accrued interest for the entire XXXX period being added to my bill at once. I believe being charged over {$1000.00} in retroactive interest is unfair and a misleading practice.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exto Inc.
State: FL

Complaint narrative:
i closed the account because i didnt understand how they card works so they said i can dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting multiple accounts with false, unverifiable, and misleading derogatory information : XXXX. XXXX XXXX XXXX XXXX XXXX 60 days late, balance {$580.00}, past due {$50.00}. This is internally inconsistent and no documentation has been provided to validate this reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX Closed with a {$0.00} balance, but still showing XX/XX/XXXX30/60 day lates from XXXX. A closed account can not legally continue to accumulate derogatory marks. 
XXXX. XXXX XXXX XXXX Reported as a {$160.00} charge-off, yet the payment history is incomplete, inconsistent, and unverifiable. No signed contract or accounting breakdown has been provided. 
XXXX. XXXX XXXX XXXX at {$0.00} balance, still marked 90 days late. This is an impossibility and a direct violation of accuracy requirements. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Closed at {$0.00} balance, yet derogatory lates remain. 
XXXX. XXXX XXXX XXXX Reported as a {$5600.00} charge-off. No contract, no full payment history, and no accounting records have been provided to validate the figure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: GA

Complaint narrative:
I got XXXX on XX/XX/year>, all of my items was stolen, I got out on XX/XX/XXXX. I didn't not make any transactions after XXXX XX/XX/XXXX. I was told I'll be getting a credit of {$2700.00} dollars back because I made a police report and it was under investigation by XXXX ga police department and netspend closed my account and I was trying to see how will I be able to get my money. I emailed everything and proof to 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