vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WV

Complaint narrative:
On the the XXXX of XXXX XXXX I noticed XXXX transactions on my chime acct. XXXX on the XXXX of XXXX for XXXX, XXXX ont the XXXX of XXXX for XXXX and the another on the XXXX of XXXX For XXXX a total of XXXX all went to a place called XXXX. I contacted Chime the stopped my card and reissued me another one. I disputed the charges and five time the have denied my dispute. I have gave them a police report, I finally was able to contact this XXXX place. They told me I did not have an account with them and my back can contact them and they would give them that information. But they could not give me back my money but the bank could do a charge back to get my money. And chime still denied my dispute. I am XXXX yrs old have never gambled in my life didn't even know what this place was until i looked it up. I did not spend XXXX on a place like that. My Internet and phone will be shut off on the XXXX of XXXX That is Thursday. Because I can't get my money back.my husband is bed fast. I can't do without a phone. I'm so disappointed in chime.vit makes me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
I had been with XXXX for 20 years. We were told we were being switched to community bank NA. I called ahead of the switch over and was told all bills in bill pay would be ok and paid. We would have till XXXX to move everything to the new bill pay. This change over occurred XXXX. The week of XX/XX/year> my XXXX was frozen and checks were returned. We were locked out of our account. Even today, Ive had companies call to tell me the check was returned due to our account being frozen. Ive spent multiple hours on the phone and a few hours in the branch. We are still having issues. My mortgage was late because the check was returned. This did not occur due to insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Meritize Financial Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a loan connected to a program run by XXXX ( also known as XXXX XXXX ). I enrolled in their training program because they promised : 1. A guaranteed job placement after training 2. That the company would pay my loan once I completed the program These promises were the primary reason I agreed to take out the loan. After enrolling, XXXX failed to provide the job placement and did not pay the loan as advertised. The program stopped responding to students, and many participants have been left with large debts that were taken out based on false and misleading information. 

There is currently a lawyer handling an active lawsuit involving this company due to fraud, misrepresentation, and deceptive practices. My loan should not be considered valid because I only took it out based on their misleading statements. 

I disputed this loan with all three credit bureaus ( XXXX, XXXX, and XXXX  ), but the lender continues to report the account on my credit report. 

I am requesting that the CFPB require the lender to : Remove this loan from my credit report, OR Pause all negative reporting and mark this account as disputed due to fraud, OR Provide full documentation validating this loan despite the underlying fraud by XXXX. 

I should not be financially responsible for a debt that was created through deceptive and fraudulent advertising. 

Please assist in resolving this issue and stopping further credit damage while the legal case is active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint on Cash app ( Block Inc. ) Due to the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely efficient and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected ; therefore, their dispute resolution process was unfair, and deceptive as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and regulation ( E ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$1800.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- Balance : {$710.00} - Date Opened : XX/XX/XXXXXXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- Balance : {$1700.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$5500.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$3900.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX -- Balance : {$1100.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX # XXXX -- Balance : {$790.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a new TD XXXX  XXXX  account online on XX/XX/year> using the promotional link for the checking bonus offer. The promotion stated that new customers who open a TD XXXX XXXX account and receive at least {$2500.00} in qualifying direct deposits within 60 days will receive a {$300.00} bonus within 180 days of account opening. The terms also state that the bonus will be paid on or before 180 days after account opening. 

A qualifying direct deposit of {$2500.00} posted to my account on XX/XX/year>, which was within the required 60-day window. I therefore met all the stated requirements for the bonus. 

As of XX/XX/year> ( 182 days after account opening ), the {$300.00} bonus had still not been paid, despite the terms stating it would be deposited on or before day 180. 

I contacted TD Bank to resolve the issue. The bank responded that my account had been placed on an exception list for review by their Promotions Team and that the review could take up to 3 weeks. They also stated that this timeframe can not be expedited. At no point did the bank provide any reason why the bonus was not issued by the 180-day deadline, or why a further delay was necessary.

I am seeking enforcement of the written promotional terms and payment of the {$300.00} bonus that I qualified for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My account number is XXXX with NewRez. 

I have contacted the company regarding an escrow analysis because I have paid off an escrow charge to XXXX XXXX XXXX. I paid this amount off back in XXXX and therefore my monthly escrow payment should be reduced and/or I should receive an escrow refund for amounts paid since my payoff to XXXX. 

I have not received any word from the company. I can be reached at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX Phone : 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Our transunion and experian, the list dates XXXX of XXXX XXXX while experian list.Oh, XXXX XXXX XXXX transunion.Them are wrong incorrect reporting dates

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 2025-11-17 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:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX XXXX XXXX XXXX Amount : {$25000.00} Date XXXX XXXX ) XXXX Amount : {$7300.00} Date XXXX XXXX ) XXXX  Amount : {$8100.00} Date XXXX XXXX ) XXXX Amount : {$19000.00} Date XXXX XXXX ) XXXX Amount : {$16000.00} Date XXXX XXXX ) XXXX Amount : {$2900.00} Date XXXX XXXX ) XXXX Amount : {$10000.00} Date XXXX XXXX ) XXXX  Amount : {$7700.00} Date XXXX XXXX ) XXXX Amount : {$6400.00} Date XXXX XXXX ) XXXX  Amount : {$15000.00} Date XXXX XXXX ) XXXX XXXXXXXX Date 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 2025-11-17 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX XXXX XXXX XXXX Amount : {$25000.00} Date XXXX XXXX ) XXXX Amount : {$7300.00} Date XXXX XXXX ) XXXX  Amount : {$8100.00} Date XXXX XXXX ) XXXX Amount : {$19000.00} Date XXXX XXXX ) XXXX Amount : {$16000.00} Date XXXX XXXX ) XXXX Amount : {$2900.00} Date XXXX XXXX ) XXXX Amount : {$10000.00} Date XXXX XXXX ) XXXX  Amount : {$7700.00} Date XXXX XXXX ) XXXX Amount : {$6400.00} Date XXXX XXXX ) XXXX  Amount : {$15000.00} Date XXXX XXXX ) XXXX XXXXXXXX Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OR

Complaint narrative:
On XX/XX/XXXX i was in another app and in that app there was how to earn XXXX through chime when opening new ccount and making a XXXX more direct deposit within the first 30 days i would recieve a XXXX if i made another directdeposit of XXXX or more the next calendar month i would recieve another XXXX if i made another direct deposit the next calendar month i would then recieve another XXXX bonus. I inquired about my bonus this weekend through their help amd support chat it said great news i met ll requirements perfectly and there was no holds on my account all i had to do is calltbier membership support line to confirm my account and rest assured they would manuely put my bonus in! They havent not and refuse to give me my bonus saying i didnt qualify which is totally opposite of what i was told by them! They have breached their contract and gave me false advertisement!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CL Holdings LLC
State: NV

Complaint narrative:
DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C.1 1601, 1692 et seq. This constitutes timely written notice that I dispute the purported debt referenced in your communication ( s ) received on [ Date ( s ) of Receipt ]. I am not refusing to pay a valid debt, but I am demanding validation of this alleged debt before any further collection activity occurs.

15 U.S.C. 1692e prohibits " false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This includes : 1. The false representation of the character, amount, or legal status of any debt ; and 2. The threat to take any action that can not legally be taken.

3. I contend that your communication ( s ) lack sufficient information to establish the validity of this alleged debt, including, but not limited to, vital citations and a clear demonstration of your agency 's jurisdictional and statutory authority to collect this alleged debt from me.

4. Pursuant to 15 U.S.C. 1692g ( b ), Validation of Debts, I demand that, within 30 days of your receipt of this letter, you provide the following documentation to validate your claim : 5. A copy of the original contract or agreement bearing my signature that allegedly creates my obligation to pay this debt.

6. The name and address of the original creditor.

7. An accounting of the debt, including the original amount, any payments made, and any fees or interest charges.

8. Evidence that your organization is legally authorized to collect this debt.

9. I have no recollection of entering into any agreement with your organization that would create such an obligation, and I hereby dispute the existence of any valid contract between us.

10. Pursuant to 15 U.S.C. 1692g ( c ), if you fail to provide the requested validation within 30 days, you must cease and desist all collection activities. This includes, but is not limited to : Any further contact with me by mail, phone, in person, or at my home or work.

Contacting my employer, bank, or any other third party.

Reporting any derogatory credit information to any credit reporting agency regarding this disputed debt.

Filing any lawsuit, lien, or levy related to this disputed debt.

Any attempt to collect this debt without providing proper validation will be considered a violation of the FDCPA and may subject your agency and any individual involved to liability for actual damages, statutory damages, and attorney 's fees.

I declare under penalty of perjury under the laws of the United States of America ( non-incorporated ) that the foregoing is true and correct to the best of my knowledge and belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Company : RMP LLC ( Collections Agency ) Phone : XXXX Email : XXXX Assigned Rep : XXXX XXXX Account ID : XXXX RMP LLC furnished multiple medical collection accounts to all three credit bureaus even though I had active Medicaid/insurance coverage during all dates of service. These debts were never valid, should have been billed to XXXX XXXX and should not have been referred to collections.

I contacted RMP and provided complete documentation on XX/XX/XXXX, including proof of coverage for myself and my son. RMP verbally acknowledged the billing error but will not provide written confirmation and stated it could take 30+ days to remove the accounts. 

This delay is causing severe financial harm because I am currently in the process of closing on a home loan, and these inaccurate accounts are jeopardizing a {$50000.00} financial loss. 

Accounts Reported Incorrectly : XXXX XXXX XXXX XX/XX/XXXX {$230.00} Acct XXXX {$73.00} Acct XXXX Son : XXXX XXXX ( XXXX XX/XX/XXXX ) {$230.00} Acct XXXX {$73.00} Acct XXXX XXXX XXXX XX/XX/XXXX {$940.00} Client XXXX Violations : Reporting inaccurate information Failure to validate before reporting Failure to update or correct after notice of dispute Medical billing negligence Causing direct financial harm during an active mortgage closing Immediate deletion of all accounts from Experian, Equifax, and TransUnion Written confirmation Full correction of billing errors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is not a mistake ; my credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * Comenity Bank XXXX * * Regarding : * * Comenity Bank XXXX Account no : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : * * I am disputing the way Comenity Bank XXXX is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by Comenity Bank XXXXze - The account reported positively for a period of time. 

- After I became delinquent, Comenity Bank XXXX charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 

- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
My PayPal account was hacked. {$55000.00} was transferred from my account using friends and family. As soon as I got the email notification, I contacted the 2 credit card companies, XXXX XXXX and XXXX. I cancelled the cards and reported fraud. XXXX is investigating. 3 days later, XXXX transferred the {$24000.00} evenThough I had reported fraud. I closed my checking account and opened a new one. 
I contacted PayPal and they said since it was friends and family, I have no recourse. 
My bank refused the {$22000.00} so PayPal says I have a {$22000.00} debt with no recourse even though it was fraud. I will be on the hook for {$55000.00}. I reported it to FBI via ic3.com, but nothing from them.

Company response to consumer: Closed with explanation