vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: Chime Financial Inc
State: ND

Complaint narrative:
I am filing this complaint against Chime ( banking services provided by the XXXX XXXX  or XXXX XXXX  ) for failing to conduct a reasonable and complete investigation into a disputed transaction on my account, in potential violation of the Electronic Fund Transfer Act ( regulation E ). 
The disputed transaction was processed through XXXX ( as my Chime debit card was linked to my XXXX account ), resulting in an unauthorized or fraudulent charge from a merchant. I received an email from XXXX notifying me of a security breach in my XXXX account and an unauthorized access attempt without my permission. 
I promptly disputed the transaction with Chime, only after I didn't get results from contacting the merchant and XXXX, and provided supporting evidence, including : 1. Screenshots of my email communications with the merchant ( they only responded by sending a return label and provided no further resolution. ) 2. Screenshots of my emails with XXXX regarding the transaction and the account breach notification. 
3. Proof that the merchant 's account had no activity since XX/XX/year>, indicating the transaction was likely fraudulent or the merchant was unresponsive/inactive. 

Despite this evidence, Chime denied my dispute without conducting a full investigation. They did not adequately address the proof of potential fraud, the XXXX breach, or the merchant 's lack of activity. I believe Chime failed to meet it's obligations to reasonably investigate the error and resolve the dispute in my favor. 
I request that the CFPB investigate Chime 's handling of this dispute and require them to refund the disputed amount, along with any associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX that is inaccurate and does not belong to me. I submitted supporting documentation to the credit bureaus, but the item remains on my report. 
The furnisher did not provide any proof or proper validation, and the credit bureau failed to correct or remove the account. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I am requesting that the CFPB investigate and that the inaccurate account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XX/XX/year>. This filing included a debt for approximately {$14000.00} related to a lease termination with the original creditor. My bankruptcy was successfully discharged in XX/XX/year>, legally releasing me from personal liability for this pre-petition debt. Despite this federal court order, the collection agency is currently reporting this discharged debt to credit bureaus as a " new '' collection account opened in XX/XX/year> with a past-due balance of {$14000.00}. This reporting attempts to collect on a debt that is no longer owed, which violates the permanent discharge injunction under 11 U.S.C. 524 and constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). I request that this collection account be deleted from my credit file immediately as it is legally uncollectible.

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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
Im filing this complaint against Sequium Asset Solutions regarding repeated and harassing debt collection phone calls. 

I made a {$100.00} payment on XX/XX/2025, toward a collection account with them ( confirmed by my XXXX bank transaction and labeled SEQUIUM_LLC XXXX ). Despite this good faith effort, I received at least 10 separate calls between XX/XX/2025, from numbers listed as Sequium ( e.g., XXXX, XXXX, XXXX ) and other masked numbers. 

I have not signed up for a payment plan, but the volume of calls especially right after a payment feels intentionally harassing. Their reasoning that calls will continue unless I enroll in a plan feels like coercion, and Ive asked them to stop calling. 

I want the calls to stop, I want future communication in writing only, and I want an investigation into whether this violates the FDCPA ( Fair Debt Collection Practices Act ). I have screenshots and call logs showing the frequency. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I am filing this complaint against SoFi Bank for failing to conduct a proper and thorough investigation of a fraudulent merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and subsequently denying my legitimate chargeback claim. SoFi did not appropriately apply mandatory card network rules or review the merchant 's own terms of service during the dispute process. 
I first interacted with XXXX in late XXXX for a cash advance. I was under the impression I was signing up for a free service, confirmed by an in-app " FREE SUBSCRIPTION '' status I can document. The merchant began automatically charging my debit card {$10.00} per month, totaling {$340.00}, entirely without my knowledge or proper authorization. The fact that XXXX never sent me an enrollment confirmation, a single monthly invoice, or any annual statement suggests a deliberate attempt to hide these recurring charges from me. This calculated lack of communication directly violates industry standards that require ongoing electronic notifications for recurring charges. 
In XX/XX/XXXX, when I logged back into the app, I discovered an alleged balance. The very next day, XXXX initiated multiple, rapid {$10.00} charges back-to-back. I immediately contacted XXXX via their support chat and expressly revoked authorization, instructing them not to charge my card further and to refund the unauthorized amounts. XXXX ignored this instruction, processed the charges anyway, and refused all refunds, forcing me to file a dispute with SoFi. 
XXXX 's actions directly violated their own Terms of Service ( ToS ) provided to me : Failure to Disclose ( ToS Section 18 ( b ) & 19 ( a ) ) : The ToS state that a customer will be " presented with a checkout screen where you will agree to an ongoing Subscription fee '' and that " Upcoming dates on which your Subscription Fee will be charged ... will be displayed in our App ''. I was presented with a free status and no upcoming dates were disclosed, breaching these terms. ( pp. 12-13 ) Failure to Act on Cancellation Request ( ToS Section 20 ) : The ToS allow cancellation via the " App or by emailing us at XXXX ''. My immediate in-app demand to stop charging my card and cancel the service was ignored, violating the promised cancellation path. ( p. 14 ) Unauthorized Charges ( ToS Section 19 ( b ) ) : The ToS require express authorization for transactions. Charging my card {$90.00} in rapid succession after I explicitly revoked authorization constitutes unauthorized use of my payment information. ( p. 13 ) SoFi 's denial of my claim suggests a failure to consider this evidence and a general disregard for consumer protection rules and the merchant 's clear non-compliance. I request the CFPB investigate SoFis dispute handling process and compel the bank to provide me a permanent credit for all unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable credit reporting related to an installment loan originated by XXXXXXXX XXXX  and serviced by XXXX. 

The loan was originated on or about XX/XX/XXXX. The account later became delinquent and was reported to consumer reporting agencies as a charge-off with a {$0.00} balance. After disputing the accuracy of this reporting, XXXX  responded in writing that the debt was sold on XX/XX/XXXX to a third-party collection agency and that XXXX stopped reporting once the debt was sold. 

Despite confirming the sale of the debt, XXXX  verified the tradeline as accurate following my dispute, relying solely on internal records. No successor creditor or collection agency is identified on my credit report, and no collection tradeline exists. As a result, the credit report reflects a charged-off account with no identifiable current owner. 

I previously filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX. The CFPB closed the complaint solely due to jurisdiction and advised me to contact the appropriate banking regulator. 

Verifying credit information after a debt has been sold, without ownership or reporting authority and without identifying the current owner, renders the tradeline misleading and unverifiable and raises concerns under the Fair Credit Reporting Acts requirement for maximum possible accuracy. 

I am requesting that the FDIC review this matter and require correction or deletion of the tradeline if ownership and reporting authority can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NV

Complaint narrative:
Furnisher has failed to provide valid documentation proving accuracy and continues to report information that is mathematically inconsistent/ missing required fields / contradictory. This is continued furnishing of inaccurate data in violation of FCRA 607 ( b ), 611 ( a ), and 623. The furnisher changed late payments multiple times and still reporting XXXX but claims no late payments. this account is causing credit harm and issues in my daily financial life. Also accounts reporting with no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a new CFPB complaint concerning ongoing and separate Fair Credit Reporting ( FCRA ) violations by Experian following the closure of a prior CFPB complaint. Experian failed to comply with FCRA 611 ( a ) 6 ( B ) ( iii ) by refusing to provide the Method of Verification for multiple disputed XXXX tradelines. Experian 's reinvestigation was not reasonable under FCRA 611 ( a ) ( 1 ). Several XXXX accounts continue to report as " charge offs '' despite no account-level verification. I respectfully request CFPB intervention to require Experian to either provide full Method of Verification or delete unverifiable tradelines.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Summary : I am a consumer with a checking account at Chase Bank. Check # XXXX has been fraudulently deposited twice, with an altered payee and amount, and my bank has refused provisional credit while also failing to explain how their system allowed the same check number to be used again. 
Timeline : On XX/XX/year>, fraudulent check # XXXX was deposited with an altered payee and amount. I reported the fraud to the bank and filed a police report ( No. XXXX ). 
On XX/XX/year>, I mailed a replacement rent check to my landlord, XXXX XXXX, with tracking. Their agent confirmed they received the check but have not deposited it. 
On XX/XX/year>, I checked my online banking and saw that fraudulent check # XXXX was again deposited, with a changed payee and an amount of XXXX. This is a second fraudulent deposit using the same check number. 
I immediately filed a new claim with the bank and filed a new police report for the repeated fraud on the same check. 

Banks response : The bank told me I must wait 6090 days for their investigation and refused to provide provisional credit, even though this is clearly fraud and involves a duplicate use of the same check number. 
When I asked how the same check could be accepted twice with an altered payee and amount, they could not give me an explanation. 
Because the bank refuses to provide provisional credit, I am at risk of not being able to pay my rent, despite doing everything I can to report and document the fraud. 
What I am asking the CFPB to help with : I would like the bank to immediately provide provisional credit for the fraudulent transactions on check # XXXX. 
I would like an explanation of how their systems allowed the same check number to be fraudulently deposited twice. 
I would like all related fees or negative impacts on my account to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: True Finance
State: CA

Complaint narrative:
In XX/XX/year>, I accepted a marketing offer from True Finance XXXX for a {$400.00} sign-up bonus. The written terms of the offer required opening a XXXX account and receiving " a qualifying direct deposit within 45 days. '' I successfully opened the account and received a qualifying payroll direct deposit from my employer via XXXX within the timeframe. True Finance is now refusing to pay the bonus based on multiple deceptive practices : Bait and Switch : After I completed the requirements, the company retroactively attempted to enforce a new requirement for " two deposits within 36 days, '' which was not disclosed in the advertisement I accepted.

Deceptive Citation of Terms : When I requested the specific terms for my offer, the company directed me to the terms for " XXXX XXXX. '' This is a completely different line-of-credit product with different eligibility rules. Using credit product terms to deny a marketing sign-up bonus is deceptive.

Repeated Misrepresentation of Third-Party Involvement : True Finance claimed that " final approval is determined by XXXX. '' I contacted XXXX XXXX XXXX, who firmly denied any involvement, stating they have no system to track or approve this offer. XXXX explicitly warned me to " be cautious '' regarding True Finance 's claims. Despite providing this transcript to True Finance, they ignored the evidence and lied a second time, continuing to falsely blame XXXX to avoid payment. 
False Denial of Valid Deposit : The company claimed my XXXX payroll deposit was a " XXXX transfer. '' I submitted my official earnings statement proving it was a standard payroll direct deposit, but the company ignored this proof. 
I have attached the original offer, proof of my payroll deposit, and the transcript from XXXX disavowing True Finance 's claims. I have also formally opted out of the company 's Arbitration clause. I am requesting the {$400.00} bonus be paid immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am filing this CFPB Complaint to report 10 separate accounts appearing on my consumer credit report which Ido not recognize as reported and which are the result of a data breach. These accounts include : 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 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 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 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 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 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 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 These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief