vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am currently a Chime customer and experiencing a nightmare situation. Back on XX/XX/XXXX I submitted a dispute case for 3 separate transactions that all processed via my debit card on XXXX for a total of {$2300.00}. I immediately received a new card which has been fine since. 

When I initially filed I was told I was eligible for a temporary credit which would be applied within 20 business days ( I am considered a " new '' account holder so not the standard 10 days ). Not a problem, I understood. I have periodically checked with them and kept being told wait until XX/XX/XXXX which it will be guaranteed in your account if the case is not resolved by then. I called on XX/XX/XXXX as I noticed the dispute claim in my app showed the credit was issued on XX/XX/XXXX which was the date I filed and confirmed with a rep that was inaccurate ( See photo attached ). 

XX/XX/XXXX comes and I reach out and eventually end up speaking to a supervisor. She tells me the credit was approved on XX/XX/XXXX for allocation but due to an error on the investigations team it was not distributed out to me then but she would escalate this. I asked to speak directly to the fraud investigations team and told nobody including them internally can reach them outside a ticketing system, INSANE in XXXX. This about sent me into orbit. Several more calls later I keep getting the same recycled responses that it would still be deposited by end of day. 

XX/XX/XXXX comes and still nothing. I call back and speak for a supervisor again and informed the previous escalation was not submitted correctly ( to the wrong team ) and it needed to be redone. I could then expect a response by the correct team within 3 business days.

This whole process has been a royal nightmare. I was GUARANTEED this money by XX/XX/XXXX which as of XXXX XX/XX/XXXX I have received nothing nor any correspondence from anyone at Chime. I now have rent, car payment, and other bills in limbo due to this and is becoming a major problem each day it prolongs. 

I am desperate for this to be handled. I am not sure what if any laws there are around this but the whole thing seems incredibly slimy and unprofessional on so many levels. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MO

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
Disputed Accounts : XXXX - XX/XX/XXXX - {$650.00} Hard Inquiries : 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

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 2025-10-29 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
XXXX XXXX I acquired two XXXX overdraft fees XXXX XXXX I acquired a third XXXX overdraft fee XX/XX/XXXX I inquired to get some of the fees reversed to save my paycheck and was denied. 3x. I had also called earlier in the week to get help. 
XX/XX/XXXX ( Morning of the XXXX. ) I was struck with an additional 3 overdraft fees. 2 days before my payday. All of this caused my account to be negative XXXX XXXX dollars of that amount was from their fees.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America keeps showing improper balances. 

For example, I had around {$58.00} in my account. 
I ordered an XXXX for {$27.00} and then XXXX Eats for {$30.00}, which left me with basically {$0.00}, since those charges were immediately deducted from my available balance even though they were still processing. It shows in my account {$0.00} The next day, I transferred in {$150.00} and paid a {$60.00} bill, leaving me with about {$80.00}. 
Then the following day, I woke up and saw that they had processed the {$27.00} XXXX charge and took it out again from my {$80.00} balance. 

I contacted them and said, You already deducted this from my balancewhy are you taking it again? 
They told me, No, its just now processing. But I explained that my balance already reflected the deduction days ago. 

They tried to say it wasnt on the statement, but of course its notbecause once it processes, they update the digital statement too. 

This has happened multiple times. They basically double dip : showing deductions in your balance before its processed, then taking it again later when it officially posts. If a charge isnt processed yet, they shouldnt reduce the balance in the first place. 

Where is the money reflecting it my balance going then. Also the charge that was already deducted along with another charge the same day from the same company was processed the day before and now this charge is day later deducting again.

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 2025-10-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I rented a vehicle from the merchant ( XXXX ) for a total disputed amount of {$280.00}. The vehicle was unsafe and defective from the moment of pickup, immediately displaying all 4 tire-pressure warnings. 

I attempted to return the car to the XXXX branch approximately five minutes after pickup, I had not drove out yet. But the store was already closed. With no immediate alternative, I paid {$2.00} out-of-pocket to inflate the tires and realized that one tire had no cap, but the warning reappeared within six hours. On XX/XX/year>, the front tire rapidly deflated, confirming a pre-existing defect and rendering the car undriveable. The roadside technician confirmed the car had no spare tire, leaving me stranded for four hours. My entire rental period was lost.

Despite providing an unsafe, defective vehicle, the merchant billed both the rental fee ( {$130.00} ) and an unwarranted tow charge ( {$150.00} ). This action constitutes a breach of the Texas Implied Warranty of Merchantability ( Texas Bus. & Com. Code 2.314 & 2A.212 ) and violates XXXX XXXX own Section 9 Mechanical Breakdown policy. 

I filed a dispute with the card issuer ( American Express ) under reference numbers XXXX and XXXX. The card issuer 's dispute process failed due to the following sequence : Initial Favorable Ruling : On XX/XX/XXXX, an Amex agent told me that my case was initially closed in my favor because the merchant 's evidence " did not make sense ''. 

Subsequent Reversal : Approximately 10 days later, the case was settled in the merchant 's favor ( a charge-back reversal notice was sent ). 

Misleading Agent Advice : On XX/XX/XXXX, a different Amex agent incorrectly advised me that the official email regarding the charge-back reversal ( " Important message for you from American Express '' ) was " likely a phishing/scam email ''. I relied on this advice, which delayed my recognition of the official dispute reversal notice. 

The dispute has since been reopened. I am filing this formal complaint to ensure Amex conducts a thorough and accurate review based on the merchant 's legal liability, as my prior attempts to resolve this issue have been complicated by Amex 's internal errors. I demand Amex reverse the entire charge of {$280.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
The investigation did not fix an error on my report

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
This car/loan was XXXX XXXX 's property before it was actually picked up and in the company 's possession it took the company about XXXX weeks to get the car picked up from my address. I surrendered the car before the due date of XX/XX/XXXX. Therefore, I should not have a late payment reporting on it. It is also a closed collection account and there for shouldn't be reporting payment history as well. There are multiple errors on my credit report for this account across all 3 bureaus. This needs to be changed/updated or deleted. This is causing me major distress as I have no other late payments on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company has violated my consumer rights and has reinserted a account that does not belong to me without a proper investigation with inaccurate information and has reinserted previously removed information with proper notice. The account was removed on XX/XX/XXXX and reinserted on XX/XX/XXXX. 
Please see attachments

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 2025-10-29 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: AZ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-29 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: CA

Complaint narrative:
Formal Dispute Improper Bankruptcy Reporting/ Violation of 15 U.S.C. 1681a ( 4 ) Dear Credit Reporting Agency Representative, I, XXXX XXXX XXXX XXXX, am submitting this formal written dispute regarding the bankruptcy information being reported on my credit file. The inclusion of this data constitutes a violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C.

1681a ( 4 ) as it falls outside the lawful definition and permissible scope of what can be communicated within a consumer report.

LEGAL GROUNDS 15 U.S.C. 1681a ( 4 ) : Under 1681a ( 4 ), a consumer report may only include accurate, verified, and lawfully obtained information bearing on a consumers credit worthiness, credit standing, or credit capacity used strictly for permissible purposes under 1681b. 
The reporting of bankruptcy records often pulled from third-party databases or outdated public record systems does not meet this standard when : The information can not be independently verified with the originating court ; The data is outdated, incomplete, or inaccurate ; Or the data was not obtained directly through a permissible or verifiable method under the FCRA. 
Therefore, the continued inclusion of such data on my credit file is an unlawful disclosure of personal and private information, and a violation of my privacy rights under federal law. 
VIOLATION SUMMARY : The bankruptcy reporting currently listed on my credit file : Violates the accuracy and verification requirements of 15 U.S.C. 1681i and 1681e ( b ) ; Exceeds the lawful scope of a consumer report under 1681a ( 4 ) ; Constitutes an unauthorized invasion of my financial privacy under 1681b ; And is causing ongoing and unjustified harm to my reputation and creditworthiness. 
DEMAND FOR IMMEDIATE ACTION : I am demanding that your agency : 1. Immediately delete any and all bankruptcy information from my credit file that can not be verified directly with the reporting court and validated under FCRA guidelines ; 2. Provide a written response confirming deletion within 30 days, as required under 1681i ; 3. Cease any further publication, sharing, or sale of this information ; and 4. Provide documentation verifying the lawful source, method, and permissible purpose used to obtain this bankruptcy information if any.

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 2025-10-29 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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