vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I am submitting this complaint regarding an unresolved fraud dispute and chargeback involving my Chime and XXXX accounts, and the failure of Chime to properly account for a reversal initiated by XXXX. 
On XXXX XX/XX/XXXX, an unauthorized Pay Friends transfer in the amount of XXXX USD was processed on my Chime account ( Account number ending in XXXX ). The transaction description on my statement is Claim reversal : Chime chime.com CA XX/XX/XXXX, with Claim ID XXXX. I did not authorize this transaction. 
On XXXX XX/XX/XXXX, I reported this error to Chime and opened a fraud dispute indicating that I did not make or authorize this transaction. The dispute details were as follows : Claim ID XXXX, Dispute Type : Pay Friends Unauthorized Transfer, Date Error Reported : XXXX, Claim Amount : XXXX USD. Chime denied my claim, stating there was insufficient evidence. 
Because the funds used in this fraudulent transaction were moved from my XXXX  account to my Chime account on XXXX XX/XX/XXXX, I then contacted XXXX to dispute the transfer from XXXX to Chime. XXXX opened a claim, later denied it, and then reversed the transaction on XXXX XX/XX/XXXX, returning the XXXX USD on their end and providing me with a letter confirming the reversal. XXXX has consistently stated that the chargeback to Chime was processed successfully. 
However, Chime refuses to acknowledge this reversal. Chime representatives have repeatedly told me that no such chargeback or reversal was received on their end and have declined to assist further, even after I informed them that XXXX provided written confirmation of the reversal. I have made multiple calls to both XXXX and Chime over approximately XXXX months attempting to resolve this discrepancy. At this time, Chime has not credited my account, nor have they provided any clear explanation of what happened to the funds that XXXX indicates were reversed back to Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: SC

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$8200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3700.00} XXXX * * - XXXX - XX/XX/XXXX - {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX * * - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$91.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing interest charges resulting from Citis misapplication of my credit card payments following the expiration of a promotional balance transfer rate. 

The promotional APR for Balance Transfer Offer XXXX expired on XX/XX/year>. As of that date, the balance associated with that offer became subject to a variable APR of approximately XXXX XXXX, which was the highest APR on my account. A separate balance, Balance Transfer Offer XXXX, continued to carry a promotional APR of XXXX XXXX 

I made payments of {$800.00} on XX/XX/year> and {$200.00} on XX/XX/year>. The minimum payment due for the statement dated XX/XX/year> was {$91.00}. Both payments substantially exceeded the minimum payment due. 

Under Citis Cardmember Agreement and applicable federal payment allocation rules, amounts paid in excess of the minimum payment must be applied to the balance with the highest APR. Despite this, Citi applied my payments to the lower-APR balance ( Balance Transfer Offer XXXX ), which resulted in avoidable interest charges being assessed to Balance Transfer Offer XXXX. My XX/XX/year> statement reflects interest charges of {$17.00} related to this misapplication. 

I contacted Citi multiple times via live chat to request correction. Citi representatives acknowledged that the promotional APR expired on XX/XX/year>, but stated that because the post-expiration interest had not yet appeared on a statement at the time the payments were made, the payments were applied elsewhere. Citi refused to reallocate the payments and denied a request to reverse the resulting interest charges. 

During a supervisory chat review, Citi incorrectly stated that I had only made a payment for the minimum due, despite my payments of {$800.00} and {$200.00} compared to a {$91.00} minimum payment. In the same response, the supervisor confirmed in writing that payments made over the minimum due are applied to the highest-interest balance, yet still denied an interest adjustment. These explanations are internally inconsistent and factually inaccurate. 

As a result of Citis payment application and refusal to correct the error, I was charged unnecessary and avoidable interest despite making timely payments well in excess of the minimum due immediately after the promotional rate expired.

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 2025-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-29 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: MN

Complaint narrative:
Opened a account due to their enrollment bonus. Made qualifying deposits in the time and was confirmed on XX/XX/XXXX. Called and asked about my bonus on XX/XX/XXXX and was informed that I did not qualify and the deposit was not within the alloted time frame depsite it being within the time frame and even confirmed that it would be. I sent the screenshot as requested. Not even acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: IL

Complaint narrative:
My new mortgage company charged me ( junk fees ) that my old mortgage company never charged/billed me when I was with them. {$1600.00} at this time and I told my new mortgage company that I didn't own this money they said that my old mortgage include it and I would need to take it up with with them. 

XXXX XXXX XXXX new company Selene old company XXXX # XXXX If you need accounts # please let me know. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHERRY TECHNOLOGIES INC.
State: NC

Complaint narrative:
In XX/XX/year>, Cherry Technologies engaged in excessive and distressing collection activity after I notified them that I was unable to make a payment for the month. 

Between XX/XX/XXXX and XX/XX/year>, Cherry sent approximately 30 collection-related emails, frequently on consecutive days and often more than once per day. Many emails used urgent and coercive subject lines such as ACTION REQUIRED, Urgent, Important Notice, and were sent under Cherry Collections Team. 

Despite my written request to limit communication, Cherry continued contacting me via email, automated text messages, and phone calls. 

Beginning XX/XX/year>, Cherry repeatedly called me from a wide range of rotating phone numbers originating from numerous states and toll-free lines. The numbers frequently changed and were sometimes labeled as Spam, making it impossible to block or identify a consistent caller.

These calls interfered with my employment responsibilities, including screening job applicants, because I could not determine whether incoming calls were from Cherry or legitimate work-related contacts. 

On XX/XX/year>, Cherry attempted to charge a payment method that had previously been removed from my account and identified as ineligible for autopay. 

The volume, frequency, and continued contact after written notice caused significant stress and disruption. I believe this conduct constitutes unreasonable and excessive collection practices and am requesting CFPB review and intervention. 

I have retained documentation including email subject lines, call logs, and text message records and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union Attn : The Office of the President & Chief Executive Officer Re : Notice of disputed charges to Account No. XXXX XXXX XXXX XXXX Dear The Office of the President & Chief Executive Officer : I am writing to dispute a charge of XXXX to my credit card account on several dates of the charges. The charges are in error because my credit card account was compromised and bank fraud was perpetrated. 
I am requesting that the errors be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
I demand a thorough investigation of all the charges. An investigator must be assigned to gather evidence that substantiates each charge, including purchase receipts, purchase orders, product details, service descriptions, and more. The determination made was based solely on my historical transaction information and did not involve evidence collected from the companies responsible for the charges. 
I understand the challenges you're facing, and I want you to know that I will be submitting a complaint to the Consumer Financial Protection Bureau to seek help on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : 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 XX/XX/XXXX XXXX XXXX XX/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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I made a mortgage recast payment ( $ XXXX toward the principal, plus the {$250.00} recast fee ) to NewRez, the company that services my loan. On XX/XX/XXXX, they sent the mortgage authorization form to me to sign ( which I have signed and returned to the recast department on that day ), more than the XXXX days they said it would take to process, recalculate and adjust my monthly payment. Today, it's XX/XX/XXXX, and my monthly payment still has not been reduced, despite multiple phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX  ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: SC

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$8200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3700.00} XXXX * * - XXXX - XX/XX/XXXX - {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX * * - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$91.00} Inquiries : XXXXXXXX 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