vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful credit reporting by XXXX Bank and the consumer reporting agencies concerning a XXXX credit card account ending in XXXX. I am not disputing ownership of this account. My dispute is based solely on factual inaccuracies, internal contradictions, and improper charge off reporting that appear across my credit reports. 

This account is being reported inconsistently across all three consumer reporting agencies. TransUnion, Experian, and XXXX  each display different dates of last activity, different reporting and verification dates, different charge off timelines, different high balance figures, and conflicting account remarks. A single account can not lawfully have multiple factual histories at the same time. These inconsistencies demonstrate that the information can not meet the Fair Credit Reporting Act requirement of maximum possible accuracy. 

In addition, this account is being reported as Collection or Charge Off on a recurring monthly basis. A charge off is a one time accounting event, not a continuing monthly status. Repeatedly reporting a charge off month after month falsely exaggerates the severity of the account and misrepresents its true status. This type of reporting is misleading and not accurate. 

Despite XXXX reporting this account as charged off and reporting the unpaid balance as a loss, I have never received an IRS Form 1099 C, any debt cancellation notice, or any documentation explaining whether the debt was forgiven, sold, or retained. If XXXX is reporting a loss, it must be able to document how the debt was treated and whether required disclosures were issued. No such documentation has ever been provided. 

The tradeline also contains contradictory dispute status language. It simultaneously reflects that the account is not disputed, that account information was disputed by the consumer and met requirements, and that a prior dispute was resolved. These statements can not all be true at the same time and further demonstrate inaccurate reporting. 

I have disputed these inaccuracies previously, yet the issues persist. Minor updates, balance adjustments, notation changes, or partial corrections do not resolve the underlying inaccuracies. Unless this account is either fully removed or reported with completely identical, accurate, and documented information across all three bureaus, it remains legally inaccurate. 

I have retained copies of my credit reports and documentation showing these discrepancies. Continued reporting of this account without full accuracy exposes XXXX Bank and the consumer reporting agencies to further regulatory and legal action.

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: 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XX/XX/year> : My credit card was charged for three unauthorized transactions of {$7000.00} each, totaling {$21000.00}. The charges were from a company named " XXXX XXXX XXXX  '' in XXXX, XXXX. Note : I was not in XXXX on XX/XX/year>. 

XX/XX/year> : I initiated a dispute/fraud claim with Barclays for these charges. The charges were temporarily removed from my account. 

XX/XX/year> ( Early ) : The charges reappeared on my account. When I contacted Barclays, they informed me that the dispute had been closed, and they had allegedly notified me by phone on XX/XX/year>. I received no such notification via phone, mail, or online portal. 

XX/XX/year> : I sent a formal written dispute letter to Barclays via fax providing substantial evidence that I did not authorize these transactions. That fax is included in this letter. 

XX/XX/year> : Barclays sent a letter, received on XX/XX/XXXX, stating I was responsible for settling the charges with the business. Note : They have not been able to provide me contact information for the business nor can I find them in searching on the internet. 

XX/XX/year> : A Barclays representative informed me my evidence from XX/XX/XXXX was not received until XX/XX/XXXX. On XX/XX/XXXX, I also received an in-app letter stating the claim would be investigated further. This contradictory timeline raises serious concerns about Barclays ' communication and review process. 

XX/XX/year> : I submitted a copy of my passport with travel stamps, definitively proving I was not in XXXX on the date of the fraudulent transactions. Despite this compelling evidence, Barclays has again denied my claim in writing. 

XX/XX/XXXX : I received a denial in my client portal stating I am responsible for the claims. It listed XXXX  as an agency to consult, so I called on XX/XX/XXXX. 

XXXX XXXX Received a statement from XXXX  stating Barclays denied their request.

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 — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was recently applying for a home equity loan from Amerisave with loan officer XXXX XXXX. I asked for a complete debt consolidation for me and my wife, {$71000.00} plus {$10000.00} cash back and closing costs. We were informed that all our closing costs would be wrapped in the loan. She gave me different ways of structuring the loan, but never enough to cover what we asked for. Then at the last minute a {$500.00} charge for a rate lock was due before we could proceed. I was on the spot under pressure, and I paid the {$500.00}. Then I came to my senses and realized that was a terrible deal for a rate lock especially while experts were expecting the Fed to lower rates. When I asked to provide us with the funds back, she gave me a line about the Fed has nothing to do with mortgage rates which we knew was baloney. Then she changed and said it was really an origination fee. One that we weren't told about before. On top of that we found the loan was not enough to pay off our debt plust the {$10000.00}. She restructured the loan, so we were getting {$29000.00} cash. The problem was she just took that out of paying off our debts. Obviously she was hanging a bunch of cash out to make us think we were getting a fantastic deal, and to think about getting all the cash to spend on whatever. After that it was just refusals to return the {$500.00}. We walked away from the deal. Enclosed are the disclosures. Last minute {$500.00} doesn't seem to appear anywhere.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report that are incorrect and do not accurately reflect my credit history. I believe these items are in violation of the Fair Credit Reporting Act ( FCRA ) due to their inaccurate reporting. Please find the details of the disputes separated by each bureau below : Charged Off Accounts XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Inquiries 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 2025-12-29 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) Accordi
ng to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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: Problem with fraud alerts or security freezes — 
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I am filing this complaint against MB Financial Services for continued inaccurate credit reporting, failure to conduct a reasonable investigation, and improper furnishing of derogatory information following repeated disputes. 
MB Financial Services is reporting a repossession account on my TransUnion credit report. This account has been disputed multiple times and continues to be verified without meaningful investigation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

The account reflects inconsistent reporting regarding my responsibility ( co-signer versus primary obligor ), payment history, delinquency status, and balance accuracy. MB Financial has failed to produce documentation establishing my legal liability, including : A signed agreement establishing co-signer responsibility Proof of notice of default Proof of repossession procedures Deficiency balance calculations Evidence of compliance with state and federal notice requirements Additionally, TransUnion has confirmed that my personal data was compromised in a data breach. Despite this known compromise, MB Financial continues to verify adverse data without demonstrating compliance with enhanced accuracy and verification standards required under 15 U.S.C. 1681e ( b ).

Repeated automated or cursory verifications after receiving notice of dispute do not meet the statutory definition of a reasonable investigation. MB Financials continued verification appears to rely solely on internal records rather than original account documentation.

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: TX

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report that are incorrect and do not accurately reflect my credit history. I believe these items are in violation of the Fair Credit Reporting Act ( FCRA ) due to their inaccurate reporting. Please find the details of the disputes separated by each bureau below : Charged Off Accounts XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$0.00} Inquiries 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: 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: IL

Complaint narrative:
I did not file for a personal loan but theres an inquiry on my account from XX/XX/XXXX. Now I want to dispute the inquiry I feel is as if someone used my social or made a mistake

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I was never served a XXXX for debt collection in the state of Virginia because I do not live in the state of Virginia Virginia I was told from a very credible source who is in the city of XXXX XXXX Virginia court that particular day and told me my name was there for a company name XXXX and my name was there twice I made a complaint through you all and noticed that XXXX of them was dismissed with prejudice and the other one is still there until XXXX XX/XX/year>. I dont understand this because I was never served in Arizona XXXX Virginia for that matter and when you look on the XXXX XXXX XXXX Virginia XXXX docket it appears that I was in court because this states continued. I was not there XXXX not understanding this. My next move. Will be the Attorney General office thanks.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
Since at least XX/XX/XXXX, the company True Accord, XXXX XXXX XXXX has been sending me debt collection emails for someone with my name that lived in Texas in XXXX and owes a debt to XXXX XXXX XXXX, XXXX.. I have never lived in Texas and I have never had a XXXX XXXX XXXX, XXXX. account. 

I believe because my gmail email account has the same name, they simply started sending me emails and did not bother to check whether I was the right person. This is poor company practice and has to be in violation of the Fair Debt Collection Practices Act. There is more than one person in the United States with my name. I believe this company wishes to trick someone into paying an old debt, no matter who it is.

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:
I haven't ever used XXXX as a place to rant, and this is not a rant its a warning about CHIME. THE BANKING APP. 
About 6 years ago I posted how wonderful chime was but I'm sorry. I was wrong. 
On XX/XX/XXXX my bank account was hacked into. I was asleep in my home, I had my device with me, yet somehow my account 's password got changed, the phone number on my account was changed, and my password was not one anybody could just guess. 
An unknown device got into my account and changed the phone number to one ending in XXXX. Now Chime won't tell me the first 6 digits because they protect the criminals that steal money. Anyways finding out at XXXX XXXX  that you cant even look at your own account because the phone number isn't recognized sure is a bad way to start a day. It took 2 hrs and transfers between 4 different reps to get me back into my account. So that alone should have been enough to refund the stolen money. But NO. I had transfered money into my savings account a few days prior so it was safe from electronic withdrawals and such but whom ever was able to hack my accounts was able to transfer that money out of my savings, the money in CHIMES GREAT CREDIT BUILDER OPPORTUNITY also transfered and then all of it drained from my checking account. It was transfered into a cash app account for XXXX XXXX. 
That was obvious clue 2 that it was a hacker stealing from me something Chime says they work so hard to protect. Noone in their right mind would link their own personal bank account with some strange cash app account that doesn't belong to them. So that day and three other days to follow I have spent in total about 6 hours trying to explain to chime how obvious it is that the money was stolen and how the verification emails were never opened the links never verified and that I really needed them to refund my money as it was starting to have a compounding effect on my life. 
After 4 disputes and a police report, I've gotten nothing but denied. I have asked to speak with one of the many executives at Chime but was shot down there too. 
JUST BE AWARE : having CHIME might seem cool or convenient now but they are liars, they dont stand behind one word of their mission statement and when you fall victim to identify theft or bank fraud whatever, your just out. And on your own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I made a payment for my car loan where I broke up the total amount in 2 days. My total monthly payment is XXXX I made a payment in amount of XXXX dollars on XX/XX/XXXX and the remaining XXXX on XX/XX/XXXX for the total payment. They applied the XXXX dollars to XXXX to interest and the remaining XXXX to fee/miscellaneous which should not have happened. My payment is due on the XXXX of every month and the payment made on XX/XX/XXXX - XX/XX/XXXX would have paid my XXXX due date. I then made a payment on XX/XX/XXXX which should have paid the XX/XX/XXXX Due date but due to Truist Bank misapplying my payment, it shows I am still due for XX/XX/XXXX and they reported my Credit Late for the XXXX applied payment in XXXX. I called Truist twice to correct the payment so that it is applied in the correct format and they stated no. The principal and interest take primary over any late fees and they refuse to make the cash correction and fix the credit reporting

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