vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
On XX/XX/year>, I filed a formal dispute with Cherry regarding Loan ID XXXX, after learning that the service provider, Body Details, had ceased operations and filed for XXXX XXXX bankruptcy. 

Despite this, Cherry continued charging me five additional monthly payments from XXXX through XXXX totaling {$860.00}, all withdrawn directly from my personal account after I had clearly stated that the merchant could no longer fulfill the contract. 

I acted in good faith by continuing to make payments, trusting Cherry would investigate the issue and resolve it fairly. Instead, five months passed with no explanation, no resolution, and no direct communication. 

Eventually, I received a partial refund of {$430.00}, along with vague, automated emails applying credits to the loan balance. No one ever contacted me directly to address the original dispute, nor was the remaining {$430.00} ever refunded. 

Cherry later responded by saying that this was the maximum support they could offer, and that they are not affiliated with or responsible for the actions of the service provider while also claiming they take borrower responsibility seriously. These statements are contradictory, especially considering they continued charging me long after the dispute was submitted.

This has left me with a financial loss, and it feels like Cherry deliberately avoided accountability while ignoring a clear and time-sensitive consumer dispute. I am requesting the CFPBs assistance in recovering the remaining {$430.00} and holding Cherry accountable for failing to act appropriately as a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I turned off overdraft protection on my checking account, but a large debit card transaction ( ~ {$1500.00} ) was allowed to process days after the authorization, causing an overdraft of over {$1100.00}. The charge did not appear in my pending balance or reflect in my available funds at the time, leading me to make other necessary purchases believing I had funds. I had also tried to track my balance manually, but due to delays in posting and lack of transparency in how balances were calculated, I could not reliably do so. 

Ive confirmed with the bank ( via recorded calls ) that : - Overdraft coverage was disabled - The system still allowed pre-authorized debits through, even when they didn't post immediately or show as pending- I would not be charged overdraft fees during a 54-day grace window This is * at least * the third time this kind of harm has happened despite my efforts to opt out of overdraft and avoid debt. I have seen similar behaviors before, when it did not have such high-stakes -- as had the branch manager.

I raised this with customer support several times on XX/XX/year>, and then a branch manager in person on XX/XX/year>, and provided documentation. I have not received a resolution. 

During my in-person meeting with the branch manager on XX/XX/XXXX, I reiterated that I had turned off overdraft coverage multiple times over the years and that this was the third instance in which the system allowed me to overdraw anyway. I told her : All that Ive wanted for three years is to turn off overdraft coverage. Fifth Third should have never let me overdraw. 

I also explained my tracking system and repeated efforts to calculate and prevent overdraft : Im not a slouch. I have perfect math scores on standardized tests and an XXXX. I tried to keep a spreadsheet. I tried to match balances. Every time I did, something would change. And I couldnt keep a reliable running balance. If XXXX cant do it, almost no customer can. 

The manager agreed the system likely authorized the XXXX purchase on XX/XX/XXXX when funds were available, then dropped the pending charge, and finally posted it on XX/XX/XXXX after the balance had dropped due to other approved transactions. She acknowledged : That may explain it they dont charge until it ships. Ive seen this before. But I agree thats a bad customer experience. And yes, with gift cards, it can get delayed until theyre loaded. 

I closed by stating clearly : Fifth Third is the only party who couldve prevented this. I tried to act responsibly. This wasnt a moral failure it was a systems failure. You should fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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  : EXPERIAN XXXX XXXX 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 2025-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I give a monthly payment of {$61.00} to Carecredit and half of the payment never shows up on my balance. I increased my payments to {$100.00} and the same issue occurs the balance only reports a certain amount being paid.

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 2025-06-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-30 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: AR

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
Instructions : In compliance with FCRA, I am requesting that the negative accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX Date : XX/XX/XXXX  Consumer Financial Protection Bureau ( CFPB ) Subject : Formal I am filing this formal complaint against Experian, a consumer reporting agency that is knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), by continuing to report a false and unverified charge-off on my credit report. 

The account ( s ) in question is : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/ Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX  This charge-off is inaccurate, outdated, and unverifiable. I have already submitted a direct dispute to Experian demanding deletion unless they can provide original documentation from the creditor proving the accuracy of the charge-off. To date, they have failed to comply with the law, and are still reporting the derogatory item, in direct violation of their legal obligation under 15 U.S.C. 1681e ( b ) to ensure the " maximum possible accuracy '' of information furnished. 

This continued reporting is causing tangible harm to my financial wellbeing, including but not limited to : Denial of credit Increased interest rates Emotional and reputational damage Experian 's actions appear to be a willful and negligent disregard for their responsibilities under the FCRA, and I am seeking immediate enforcement and corrective action from the CFPB. 

I am requesting that the CFPB : 1. Investigate Experians procedures regarding this account and their failure to ensure accuracy ; 2. Compel Experian to delete the charge-off, as they can not prove its legitimacy through original source documentation ; 3. Hold Experian accountable for violating the FCRA, including any applicable penalties for willful noncompliance under 15 U.S.C. 1681n.

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 2025-06-30 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: IL

Complaint narrative:
Equifax expresses expressively involved in inaccurate information and threatening tactics false information is being reported on my credit report saying that they can't verify me in XXXX the credit reporting agency verified me so this is a stall tactic on their part

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: IL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited the tax refund check given to me by IRS in the ATM of Bank of America, and the total amount was {$37000.00}, On XX/XX/XXXX The check was cleared. After this time, my bank can't make any transfer, XXXX, My account was frozen by BOA. All my payment were rejected and returned. I called their customer service to inquire about the situation, but they said they didn't know the details and BOA has put some sort of fraud review hold on my account and wont remove it. This situation has been going on for almost three weeks from XX/XX/XXXX to now. I have called many times and still can't get it solved. BOA 's customer service staff just told me kept waiting and calling back without telling me the reasons and details. One of the customer service staff also hung up on me very rudely. I feel very bad and disappointed in BOA. So I initiated this complaint, complaining about BOA 's handling of my incident, time efficiency and attitude! I hope CFPB can help me solve the problem of account freezing as soon as possible. Thank you very much!

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 monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year>, my mortgage was transferred from XXXX XXXX XXXX XXXX ( XXXX  ) to XXXX XXXX XXXX, under servicing by Shellpoint Mortgage ( Shellpoint ). The mortgage was transferred incorrectly : it was transferred as if the escrow account associated with it was still open. However, the escrow account was closed by XXXX as of XX/XX/year>XXXX  and I have confirmation of this in writing from XXXX. They have also issued me a refund check for {$7400.00}, which was the balance held in the escrow account at the time of its closure. I have since cashed this check. 

Since being transferred to Shellpoint Mortgage, I have tried three times to speak to a customer service agent to explain my situation, have filed a close escrow request via their online portal and have reached out to their loan servicing department. All attempts, other than the online portal request, have gone unanswered. Each time I called customer service, I was assured that this issue would address in XXXX number of business days ( XXXX, XXXX, etc. ). Once that timeline had passed, the issue was clearly still outstanding. Further, the online portal request denied my escrow closure request because the loan has not aged 24 months. However, this is not my issue because XXXX, from whom this mortgage was acquired, closed it themselves and I had provided backup paperwork in my closure request. 

It is my understanding that when mortgages are acquired from one lender by another, all terms have to remain consistent, unless there's explicit documentation of what's permitted to change. Therefore, it is my belief that there has been gross negligence during this loan acquisition process. I am not sure who the negligent party is : whether it is XXXX, which provided incorrect information to Shellpoint or whether Shellpoint did not process the acquisition correctly. Either way, I believe that I have gone above and beyond the steps necessary to ensure this issue gets fixed and my requests have not been honored. 

My mortgage payment is due tomorrow, XX/XX/XXXX, and while I do and can pay the full amount of {$11000.00}, which includes {$2400.00} of escrow, I do not believe I should pay the escrowed amount since I am not actually obligated to do so. However, Shellpoint 's online payment interface does not allow me to choose how much to pay or how to apply it, other than the standardized payment amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation