vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. The account in question reflects a debt of {$1400.00} that I do not recognize and do not owe. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Credit Management Company XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This debt is not mine. I have never entered into any financing agreement, contract, or business relationship with XXXX XXXX XXXX, Credit Management Company, or any affiliated entity. I did not authorize this account, nor did I receive any goods, services, or funds related to this alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
It is not clear to me or has been explain incorrectly or I don't understand. I believe that this is deceptive banking practice. If you use your debit card to pay a bill the transaction will happen instantly and you are given a confirmation number for that transaction to verify the deduction was made by the customer,,,,, ,but when you your checking account you are also given a confirmation number of that transaction only to find out it may take up 20 days before that transaction is actually completed all though you have been a confirmation number confirming the transaction was made. Which leads a customer to believe that money was withdrawn from the checking account. THis is misleading and deceptive to me. 2. ) Problem number 2.. I believe that the Treasury department submits all deposits at the same time, not to give one bank or credit union to not have an unfare advantage or like institutions. Some banks like Navy Federal choose to hold on to these deposits to reap the interest on the deposits as long as long as they can stating the deposit is pending and recently changed to processing. I have had transaction declined and charged a fee while my money is pending so they say. I say pending or processing they have that deposit just like institutions who deposit funds received XXXX days early. I disagree with these deceptive and mis leading.??????

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed theseXXXX XXXXthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-15 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm showed a new loan on my account which started on XX/XX/XXXX and was used at XXXX. I have no XXXX account. And affirm said i was going to be responsible for the loan after i called and made a fraud report. They emailed me 2 hrs after calling them. Also the have a payment schedule for 3 years thru XX/XX/year>. I have made a police report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
In 2024 I was in a crash that totaled my vehicle. From day XXXX Santander was a nightmare to deal with. I was hung up on multiple times, laughed at on the phone to XXXX XXXX of tears and constant lies being told to me. All I ever ask is for documentation to be sent/taken care of and updates. I either did not receive it or incorrect information was provided. I paid on time every month, and as I was waiting for my insurance payment to clear to Santander, they are stating I was 60 days past due. I would check my account weekly to see if the check cleared. If there was a minimum amount on my account I would make sure to pay it. This 60 day delinquency is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against SoFi Bank for unfair and deceptive practices regarding the sudden closure of my account and the wrongful withholding of my personal funds. 
The Timeline : I exercised my consumer rights under Regulation E to dispute an unrecognized charge on my account.

In retaliation for this dispute, SoFi restricted and subsequently closed my banking account without adequate notice or valid reasoning.

SoFi is currently holding my substantial account balance and has rejected my payroll direct deposit, returning it to my employer.

The Hardship : Because SoFi has failed to release my funds in a reasonable timeframe, I have suffered immediate and severe financial harm.

I have received eviction notices due to the inability to pay rent.

I have incurred multiple late fees on essential bills.

I am currently without access to my wages or my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, hackers stole {$10000.00} from my Wells Fargo account through unauthorized electronic transfers. {$3500.00} went through XXXX XXXX to XXXX, then from XXXX to someone else 's personal debit card that was added to my cash app, these is what cash app told me. then {$6500.00} was stolen directly from my bank. 
I REPORTED this THE SAME DAY when I realized the {$3500.00} was gone so at this moment I still had {$6500.00} left in my account. XX/XX/year> - and filed police report # XXXX the same day. 
I asked Wells Fargo to close my account to prevent more theft. They refused, even after the service rep told me yes I see them trying to move your money know as we speak. but could not close my account and create new account cause he said the service rep that XXXX gets multiple calls like this a day and that its not neccassry. After their refusal, the additional {$6500.00} was stolen that night or following morning. 
Wells Fargo gave me provisional credit on XX/XX/year>. On XX/XX/year>, they reversed the {$3500.00} without warning. My account has been overdrawn since XX/XX/XXXX. 
On XX/XX/year>, Wells Fargo sent letter ( case # XXXX ) claiming the transaction was 'authorized ' but provided NO PROOF. They told me to 'work with the merchant ' - but XXXX XXXX are not merchants. 
Under Regulation XXXX, I reported within MINUTES. Wells Fargo must PROVE I authorized transactions. They have not. They violated XXXX XXXX XXXX. 
On XX/XX/year>, hackers stole {$10000.00} from my Wells Fargo account through unauthorized electronic transfers. {$3500.00} went through XXXX XXXX to XXXX, then {$6500.00} was stolen directly from my bank. 

THE TRANSACTIONS HAPPENED XXXX RIGHT AFTER THE OTHER. First the {$3500.00} went from my bank to XXXX XXXX, then Cash App to XXXX, then XXXX to someone else 's bank card that was NOT mine. Immediately after that, {$6500.00} was taken directly from my Wells Fargo checking account. These were clearly coordinated thefts by hackers. 

I am being charged overdraft fees since XX/XX/XXXX for Wells Fargo 's error.

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 2025-12-15 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: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information TransUnion is reporting on my credit report. I am exercising my rights under the Fair Credit Reporting Act to dispute the following items. 

Charged-Off Accounts TransUnion is reporting the following charged-off accounts, which I dispute : XXXX XXXX XXXX Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$2200.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$2800.00} XXXX XXXX  Acct # XXXX, account date XX/XX/XXXX, balance {$2400.00} I dispute the accuracy, ownership, balances, and reporting of these accounts. TransUnion has not provided documentation proving that these accounts were properly verified as required by law. 

I am requesting TransUnion conduct a proper reinvestigation and remove any information that can not be fully verified.

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 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
With all due respect, I dont know what else to do. Ive reported these transaction is fraudulent and H and every time you come for a different excuse to deny my fraud claim I mean, look at it look at the reasoning it changes every single time you come up with a good for a reason you cant even stick with your story I mean all my information has been the same from the very beginning, but you XXXX minute its this reason the next minute its that reason and it continues to go on and on and on none of them being correct the authorized user didnt use his card. That card was lost/stolen. We didnt have anything delivered to the house. We didnt benefit in any way from the transactions, we didnt give anybody permission to use the card but still you wont properly investigate the fraudulent transactions on top of that you close the account because we were late with our payment but we werent really late. We were waiting for you to investigate so I dont understand why we were punished. No ones ever answered that question why we were punished why our account was closed when all we were doing is waiting for you to investigate a fraud claim. Ive asked for arbitration before because clearly just having customer service look at it is pointless. I dont know if its just a computer making the same decision over and over and over again theres actually a human being or its the same human being thats just made up his or her mind and theyre unwilling to change it and we cant get anybody new to look at the case I just this is why I want to get arbitration but whenever Ive mentioned XXXX before XXXX just ignored me any question you dont like you just tend to ignore and pretend like I just didnt ask you just like why did you actually close my account again? We were a victim of a crime a victim we were the victim. I think you forget that we were a victim of a crime try to say it again I was a victim of a crime, and your response was to punish me by closing my account permanently because I was a victim of a crime thats good customer service and then after being a victim of a crime, you dont help me with the fraud claim you expect me to pay all of those charges where are your morals? I forget youre a big bank. You have none you dont care about the little people.

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 2025-12-15 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-15 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: CA

Complaint narrative:
Good day, Hi, I hope everything is good. The accounts listed below are the subject of my letter. That has a significant impact on me and is on my credit record. These accounts are showing up on my credit record because I was the victim of identity theft and my information was exposed.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime on XX/XX/XXXX restricted the account access And when I called they stated they didnt know how i would Get my money from a closed account or why On XX/XX/XXXX a worker at chime confirmed my work check had caused suspicious activity XX/XX/XXXX they closed the account. I called And spoke with someone and they seen that the closure was incorrect XXXX reopened the account at XXXX and closed the account again XX/XX/XXXX chime rep stated the account was closed and could not be open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: WA

Complaint narrative:
XXXX. My vehicle was repossessed/impounded, and the reported balance does not accurately reflect proceeds applied or account status following repossession. 
XXXX. The vehicle was sold at auction for {$200.00}, as communicated to me by the towing company, but the account still reports a balance of {$7700.00}. 
XXXX. The reported charge-off dates, balances, and past-due history are inconsistent with the judgment issued on this account. 
XXXX. I have a judgment letter from XXXX XXXX, which clearly shows amounts, dates, and status that conflict with what is currently reported. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ), XXXX  and the furnisher are required to verify information accurately. Without proper documentation, the account can not be legally verified and must be deleted from my credit 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