vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am a senior homeowner in Texas filing this ( complaint regarding intentional mortgage fraud and financial exploitation by SFMC ( originator ) and AmeriHome ( servicer ). 

XXXX. Origination Fraud : XXXX ( XXXX XXXX ) falsified my income on the Form XXXX to originate a defective loan. Current CFPB Complaint XXXX XXXX XXXX XXXX is currently investigating this as well Confirmation No. XXXX. 

XXXX. Tax Deferral Violation : Despite filing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and issuing a Stop Payment, AmeriHome illegally disbursed {$1200.00} from my escrow on XX/XX/XXXX. This is a misapplication of fiduciary property under Texas law. 

XXXX. Accounting/Mail Fraud : AmeriHome 's portal and statements dated XX/XX/XXXX and XX/XX/XXXX claim a refund of {$1000.00} was disbursed. However, physical correspondence received ( documented by USPS Informed Delivery ) contained only statements with the checks intentionally withheld. 

I have also filed a formal Suspected Mortgage Fraud Report with XXXX XXXX regarding the intentional misrepresentation of my income on the Form XXXX and the subsequent misappropriation of {$2300.00} in funds. This matter is being tracked across federal, state, and law enforcement levels. 

I am seeking an immediate refund of my {$1200.00} and {$1000.00}, and for the loan to be corrected or rescinded due to origination fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: AL

Complaint narrative:
Direct Express has been holding my XXXX since the XXXX XXXX XXXXXXXX. Two cards have been ordered the picture ID has been sent for verification every time something gets sent they're saying it's not correct or that they can't verify the information to resend it. Me my girlfriend and XXXX kids are behind on bills and about to be evicted and they will not allow me to talk to anyone higher up to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I'm am XXXX. First several months ago is bank closed my savings account with no warning and sent me a check. Today being XXXX XXXX  they did the same to my checking account. When I asked they said they didn't know and I will be getting a letter and the check ten days from now. I am XXXX I have no food ... That's my only money... There will be an XXXX complaint also... Us bank should be held accountable. I don't have gas to go to see my family on XXXX now and will have to beg and borrow for food.

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 2025-12-24 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: AZ

Complaint narrative:
There is a collections account from XXXX in 2023. I did not open an account with XXXX in 2023. I have disputed this account with Transunion and there outcome was that it is accurate. I was incarcerated in 2023 and did not open ANY accounts 2023 so it is utterly impossible that this account is accurate.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime account charged me {$400.00} as a my pay advance. No where on my account did I see this balance due and did not agree to repay this advance with this money. I called in and asked if there was any way I can get this reversed, agent was not helpful and transferred me to another agent. The new agent reviewed my account and stated the my pay repayment was from LAST year and could not be reversed. I advised since I didnt get any notice from chime if this being still due, it was unfair and deceptive and that I refused to do business with a scheming company. Closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/year> Multiple attempts were made to transfer money through wire on my Bank of America app and online portal but was not successful due to technical issues. 

The next morning, before my closing, my attorneys office, they recommended I go into the bank to have them wire the money. 

XX/XX/year> when the bank opened, I requested a wire transfer from my bank for a real estate closing that was scheduled for yesterday. I paid extra for the wire to be expedited and was told it would be completed within 23 hours. Later I was told it would be completed by XXXX XXXX the same day. 

The funds were never sent and are still in my account. 

When I contacted the banks wire department, I was told the delay was due to a holiday and that the wire would not process until Monday morning. However, yesterday was not a bank holiday, and I paid for expedited processing specifically to avoid any timing issues. 

This delay has caused serious financial and housing hardship. Because the funds did not arrive for closing : My loan process may now need to restart My home purchase is at risk of falling through My children and I may be without housing once our current Airbnb reservation ends I have been a customer of this bank for over 20 years, and I was repeatedly given incorrect and conflicting information about when the wire would be completed. 

Per the closing attorneys office, there is a chance that the process will have to restart with the loan, and they can take a couple of weeks in which I will be out of a home. Then no place to store my belongings which are in a storage unit until the beginning of XXXX. 

I am requesting : 1. An investigation into why the wire was not processed as promised 2. Reimbursement of the expedited wire fee 3. Compensation for financial and housing impact caused by the delay 4. Immediate release of the funds if still pending This situation has caused significant stress and potential loss of housing, and I believe the bank failed to provide accurate information or timely service. 


Account Type : Checking account / Wire transfer Date of transaction : XX/XX/year> Bank name : Bank of America

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 2025-12-24 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: TX

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 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 2025-12-24 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: MI

Complaint narrative:
An XXXX credit card account that was previously deleted from my TransUnion credit report has been reinserted without proper notice and is now being reported inaccurately. 

The account was closed on XX/XX/year> and currently reports a {$0.00} balance, no credit limit, and no minimum monthly payment. Despite this, TransUnion is reporting a 35 % on-time payment history without any corresponding late payment data, payment amounts, or monthly obligations. This information is internally inconsistent and can not be accurate. 

Additionally, this tradeline previously relied on XXXX  XXXX bankruptcy remarks. The bankruptcy public record has already been deleted by both XXXX  and XXXX  due to lack of verifiable public record sourcing. TransUnion is now the only bureau continuing to report the bankruptcy and allowing this account to be reinserted. 

I did not receive the required written notice within five business days of reinsertion, nor was I provided a method of verification, source documentation, or certification of accuracy as required under the Fair Credit Reporting Act. 

I am disputing this account as inaccurate, incomplete, and unlawfully reinserted. I am requesting investigation, enforcement, and permanent deletion of the tradeline.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
As soon as LVNV notified me about this debt I disputed it and I asked for verification. They did not provide it. I filed an Identity theft complaint with the Federal Trade Commission. Again I notified LVNV and there attorney XXXX XXXX XXXX XXXX. They failed to remove the account from the credit bureaus and they proceeded to Court to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I contacted Credence by phone in an attempt to resolve the matter. Credence refused to provide any written documentation validating the debt and refused to provide any written agreement for deletion upon payment, stating they would only report the account as paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
I reported theft to chime on XXXX XXXX XXXX XXXX. They refused to file a claim. This is a violation of regulations of the XXXX. On XX/XX/XXXX the same individual running the rental scam returned a message wanting to rent another property. I investigated and found out the property was not his and the owner knew nothing about him. The man told me hw wanted to send his chime banking information so that I could deposit money for this latest scam property. I immediately contacted Chime who didnt want to do anything except hang up on me several times and transfer me XXXX times. The last agent I spoke with filed a disput at XXXX XXXX  XXXX I recieved email on XX/XX/XXXX stating, " Based on our invstigation, we have concluded no error occured. Therefore, no funds will be credited to your account and this claim is considered closed. I called in and invoke regulation 12 CFR state statute 1005.11, demanding the case be reopened and I be provided with all material used in investigation. Chime operates above the law and allows criminals to launder money without opposition. I have been homeless due to Chimes inability to abide by regulation and laws. Chime iis in violation and should be made to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: KS

Complaint narrative:
They have been paid off and are continuing to charge me. 
They also made a paper check with my name and bank account to cash at my bank without my endorsement which is illegal.

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 2025-12-24 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: PA

Complaint narrative:
XXXX is furnishing a business credit card account for XXXX XXXX XXXX in a way that places it on my personal consumer credit report, which is inaccurate and has caused severe consumer credit harm. 

I am not personally liable for this business account and did not agree to personal liability for this card. However, in XX/XX/year> I discovered that XXXX is reporting this business credit card on my personal credit file ( listed as XXXX XXXX XXXX ). 

As a result of this inaccurate reporting, my personal credit score dropped to approximately XXXX beginning in XX/XX/year>, and I am now unable to obtain a home loan because this business account is being included in my personal consumer credit profile and is affecting my score and underwriting eligibility. 

I am requesting that XXXX : XXXX. Immediately stop furnishing this business account as a personal consumer tradeline ; XXXX. Submit corrections to XXXX, Equifax, and XXXX  to delete this tradeline from my personal credit report ( or correct the classification so it no longer appears in my consumer credit profile ) ; XXXX. Remove/correct any negative payment history or derogatory reporting tied to this account on my personal file ( if any ) ; XXXX. Provide written confirmation stating exactly what corrections were sent, which bureaus received them, and the date transmitted ; and XXXX. Provide a written explanation of why this business account was matched to my personal consumer credit file despite no personal liability. 

This matter is urgent because the inaccurate reporting is causing ongoing financial harm and has prevented me from securing a home loan on fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
XXXX is furnishing a business credit card account for XXXX XXXX XXXX in a way that places it on my personal consumer credit report, which is inaccurate and has caused severe consumer credit harm. 

I am not personally liable for this business account and did not agree to personal liability for this card. However, in XX/XX/year> I discovered that XXXX is reporting this business credit card on my personal credit file ( listed as XXXX XXXX XXXX ). 

As a result of this inaccurate reporting, my personal credit score dropped to approximately XXXX beginning in XX/XX/year>, and I am now unable to obtain a home loan because this business account is being included in my personal consumer credit profile and is affecting my score and underwriting eligibility. 

I am requesting that XXXX : XXXX. Immediately stop furnishing this business account as a personal consumer tradeline ; XXXX. Submit corrections to XXXX, XXXX, and TransUnion to delete this tradeline from my personal credit report ( or correct the classification so it no longer appears in my consumer credit profile ) ; XXXX. Remove/correct any negative payment history or derogatory reporting tied to this account on my personal file ( if any ) ; XXXX. Provide written confirmation stating exactly what corrections were sent, which bureaus received them, and the date transmitted ; and XXXX. Provide a written explanation of why this business account was matched to my personal consumer credit file despite no personal liability. 

This matter is urgent because the inaccurate reporting is causing ongoing financial harm and has prevented me from securing a home loan on fair terms.

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 2025-12-24 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: PA

Complaint narrative:
XXXX is furnishing a business credit card account for XXXX XXXX XXXX in a way that places it on my personal consumer credit report, which is inaccurate and has caused severe consumer credit harm. 

I am not personally liable for this business account and did not agree to personal liability for this card. However, in XX/XX/year> I discovered that XXXX is reporting this business credit card on my personal credit file ( listed as XXXX XXXX XXXX ). 

As a result of this inaccurate reporting, my personal credit score dropped to approximately XXXX beginning in XX/XX/year>, and I am now unable to obtain a home loan because this business account is being included in my personal consumer credit profile and is affecting my score and underwriting eligibility. 

I am requesting that XXXX : XXXX. Immediately stop furnishing this business account as a personal consumer tradeline ; XXXX. Submit corrections to Experian, XXXX, and XXXX  to delete this tradeline from my personal credit report ( or correct the classification so it no longer appears in my consumer credit profile ) ; XXXX. Remove/correct any negative payment history or derogatory reporting tied to this account on my personal file ( if any ) ; XXXX. Provide written confirmation stating exactly what corrections were sent, which bureaus received them, and the date transmitted ; and XXXX. Provide a written explanation of why this business account was matched to my personal consumer credit file despite no personal liability. 

This matter is urgent because the inaccurate reporting is causing ongoing financial harm and has prevented me from securing a home loan on fair terms.

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 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am disputing a {$14000.00} deferred promotional interest charge on my XXXX credit card issued by Synchrony Bank. 

In XXXX, approximately {$19000.00} was charged to the account under a XXXX promotional financing offer related to a Lowes home improvement project. Payments were automatically set up and made on the account throughout the promotional period however the product/service was not completed until 2 years after initial account opened and charges started occurring. 

In XX/XX/XXXX, after noticing unexpected interest activity, I contacted Synchrony Bank for guidance. A Synchrony representative advised me that there were two payment periods, instructed me to pay {$4400.00} at that time, and advised that the remaining promotional balance should be paid by XX/XX/XXXX. I relied on this guidance. 

Following that instruction, I paid {$13000.00} toward the account in XX/XX/XXXX. At that point, approximately {$2000.00} remained, which I reasonably believed was not subject to the deferred interest promotion, based on the guidance I received. I was not informed that leaving this balance would trigger retroactive interest on the full promotional amount. 

As a direct result of incorrect or incomplete guidance provided by Synchrony, a {$14000.00} interest charge was assessed. This charge is extraordinary and disproportionate, especially given that I made substantial payments in good faith and relied on Synchronys instructions.

I contacted Synchrony again and escalated to a credit card manager, who stated that nothing could be done and advised only that I pay the charge or enter a payment plan. No meaningful review of the misinformation issue was offered. 

I am requesting executive-level review and a full goodwill reversal of the promotional interest based on bank error, customer reliance, and misleading payment guidance.

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 2025-12-24 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: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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