vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
b'To Whom It May Concern,\n\nI am writing to file a formal complaint regarding multiple inaccuracies and potential misuse of my credit report. These errors have negatively impacted my credit standing and do not accurately reflect my financial history or current situation.\n\nI have discovered information on my credit report that is incorrect, outdated, and not authorized by me. These mistakes include, but may not be limited to:\n\t\tAccounts or inquiries that I did not authorize\n\t\tIncorrect balances or payment history\n\t\tOutdated negative items that should have been removed\n\t\tReporting activity that does not match my actual credit usage\n\nThese inaccuracies have caused undue harm by lowering my credit score, affecting my ability to obtain credit, and misrepresenting my financial responsibility. I am requesting a full investigation into these errors and immediate correction or removal of any items found to be incorrect or improperly reported.\n\nUnder the Fair Credit Reporting Act (FCRA), I have the right to dispute inaccurate information and to have my credit report reflect fair and truthful information. I expect a written response confirming the investigation, the actions taken, and updated copies of my corrected credit report.\n\nPlease consider this letter a formal dispute and request for resolution. I appreciate your prompt attention to this matter and look forward to a timely response.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I just want to follow up this multiple inaccuracies on my credit report, including incorrect addresses listed as 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 inaccuracies negatively affect my creditworthiness and do not reflect my true financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/year> I tried to book a 2-night stay at XXXX XXXX XXXX XXXX XXXX to use the annual {$300.00} Hotel credit for the Citi XXXX XXXX through Citi XXXX XXXX Upon attempt of payment, I ran into the error Your card could not be charged. Please call the number on the back of your card and ask for credit card services for further assistance. 

XX/XX/year> I tried the same booking all to no avail and had a XXXX hour conference call with Citi Card XXXX and Citi XXXX XXXX Citi XXXX representative said they couldnt send me a OTP to make the booking and that they escalated the issue to their tech team. I received an email from the tech team advising the following : Please update your physical address either through Self-Service or by contacting a Citi agent XXXX This will allow the phone number to be returned as valid for OTP verification, as advised by our technical team. 

XX/XX/year> I tried the same booking to no avail. The nightly rate was the lowest on this day because of Citis XXXX Tuesday promotion. Still unable to charge the card. 

XX/XX/year> I tried the same booking to no avail. I had a XXXX hour conference call with Citi Card XXXX and Citi XXXX XXXX Still they escalated the issue to their tech team and promised a response by EOD. No additional response was sent out.

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 2025-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
More than 12 years ago, when I was XXXX XXXX XXXX, my PayPal account was permanently limited after I unknowingly sold counterfeit items on XXXX. I fully accept responsibility for the mistake, and I have since matured, built multiple successful businesses, and maintained an excellent financial history. 

Over the years, I have attempted to resolve the issue directly with PayPal. I contacted customer service multiple times, and each time I was told that the limitation could not be reviewed or reconsidered. I have also attempted to open a new PayPal account, but every account I create is automatically closed shortly afterward due to the original limitation, leaving me without any path to resolution.

I am not disputing PayPals original decision ; I am requesting a fair opportunity for a manual review after more than a decade has passed. If there is any outstanding balance or obligation from the original account, I am willing to pay it immediately. I now own several businesses and would like to use PayPals services, including their business credit options, but I am unable to do so because there is no available appeal process through normal customer service channels.

I am asking for assistance in having PayPals XXXX XXXX  or XXXX  team review my case and provide a clear determination or a path forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
XX/XX/year> I had a vehicle that was financed with Credit Acceptance and it was repossessed. I purchased the truck through a dealership in XXXX, SC.between 30-45 days the trucks motor blew and I was unemployed and not able to pay to have it fixed. Up until then, the payments were up to date. I specifically remember when signing documents at the dealership they said Credit Acceptance required a short warranty. When the motor blew I called the dealership and was told he couldnt help because it was sold as is and I called credit acceptance and was told that there was not a warranty on the truck and there was nothing they could do to help. The truck was repossessed by XXXX XXXX  XXXX. The same day of realizing the truck was repossessed, I called Credit Acceptance and XXXX  to get info on the truck because I had a lot of personal belongings in the vehicle. It was a few days later when they allowed me to pick up my things and it was over an hour away from home. While there a man walked me out to the truck and I realized several things were missing when gathering my things. I let the man there know and he gave me a document ( Complaint Form ) to fill out and email in. I did this the same day. After I sent this form I followed up several times in the month of XXXX. Sent pictures and descriptions of all of the things I was missing which was a like new XXXX XXXX, a brand new XXXX tool kit with over XXXX pieces and a tool bag that was full of different tools and several wrenches specifically. I left a couple of voicemails for follow up and emailed three different times asking for a follow up with no response. I wasnt able to afford the truck to be fixed so its just really sad that someone took my things and no one is being held accountable and no one has tried helping to even find out who did it.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
Unauthorized access to my account was gained on the XXXX of XXXX and XXXX was transferred out of the my account. I did not authorize this and chime has refused to refund me the money. Even though I even opened a police report. Police report is XXXX opened in XXXX XXXX XXXX. Contacted them through support number and asked for the documents. Have not gotten them. There is supposed to be two factor authentication never got a text or and email until someone was already logged in. I do not check my email every day so I didnt notice the transactions until the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this follow-up regarding my previous dispute under FCRA 611 ( 15 U.S.C. 1681i ) concerning multiple inaccurate or unverifiable items on my credit report. Despite my earlier request for a full reinvestigation, these items continue to appear on my credit report without proper verification. The disputed items include incorrect personal information and numerous accounts, such as XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, two XXXX  entries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. Additionally, several inquiries, including XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX, remain inaccurately reported or unverifiable. I have not received proper reinvestigation results, verification details, or any explanation from the credit bureau regarding the accuracy of these entries. The continued reporting of unverifiable or inaccurate information, coupled with the failure to provide required notice, constitutes a violation of the FCRAs reinvestigation obligations.

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 2025-12-08 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 submitting this follow-up regarding my previous dispute under FCRA 611 ( 15 U.S.C. 1681i ) concerning multiple inaccurate or unverifiable items on my credit report. Despite my earlier request for a full reinvestigation, these items continue to appear on my credit report without proper verification. The disputed items include incorrect personal information and numerous accounts, such as XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, two XXXX  entries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. Additionally, several inquiries, including XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX, remain inaccurately reported or unverifiable. I have not received proper reinvestigation results, verification details, or any explanation from the credit bureau regarding the accuracy of these entries. The continued reporting of unverifiable or inaccurate information, coupled with the failure to provide required notice, constitutes a violation of the FCRAs reinvestigation obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXX as well as Homeless on XXXX XXXX I attempted to check into XXXX XXXX In XXXX Illinois... THE ROOM WAS FILTHY XXXX INFESTED AND THE BATHTUB LOOKED LIKE IT HADN'T BEEN CLEANED IN YEARS!!! I IMMEDIATELY WENT TO THE FRONT DESK AND THE MANAGER DIDN'T HAVE ANOTHER ROOM AVAILABLE SO HE CANCELED THE RESERVATION AND ASSURED ME A FULL REFUND OF {$66.00} NO REFUND!! I THEN DISPUTED THE TRANSACTION WITH CHIME!! TO NO AVAIL NO HELP!!! I DON'T HAVE MONEY O GIVE AWAY IM HOMELESS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: FourLeaf Federal Credit Union
State: NJ

Complaint narrative:
I am filing a complaint against FourLeaf Federal Credit Union regarding inaccurate and incomplete information being furnished to the credit bureaus for my line of credit. 

My XXXX  report shows the following problems that violate the Fair Credit Reporting Act ( FCRA ) accuracy standards : 1. Incorrect reporting of a late payment FourLeaf FCU is reporting a 30-day late payment, but the payment history pattern on XXXX  is : inconsistent incomplete showing ND ( no data ) for multiple months not providing continuous payment history before or after the alleged delinquency Because the data is incomplete, the reported late payment can not be verified. 

Under FCRA 623, a furnisher must provide accurate AND complete information.

2. Missing or incomplete payment history ( ND months ) The account shows ND ( no data furnished ) in multiple months on XXXX.

This indicates : FourLeaf did NOT supply full payment history They may not have sufficient documentation to support negative reporting The late payment appears out of sequence or without continuity This is a common indicator of inaccurate or unverifiable reporting. 



3. No proof or notice of delinquency provided to me I have not received : Any written notice of late payment Any documentation of missed payments Any explanation of how the delinquency was calculated A furnisher can not report a late payment to a credit bureau without proper notification and documentation.

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 2025-12-08 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX  citizen XXXX XXXX XXXX XXXX been a customer of Bank of America, for over 30 years I have never had a blemish on my account I have never had a blemish with law enforcement..... YES - stymied customers attempts to contact them by blocking calls from numbers associated with frozen accounts, XXXX XXXXXXXX FRAUD MGR. 
forwarding those calls to pre-recorded messages, XXXX XXXX, which didnt offer solutions. 
NEVER SPOKE with someone about the freeze ; ask for the reason and what documents they need stringent LACK OF COMMUNICATION, prevention methods can lead to false positives and frozen accounts, which greatly inconvenience those customers. 
IT HAS BEEN WELL OVER A MONTH,,, AND NO COMMUNICATION ... FROM ANYONE and they have FROZEN MY ACCOUNTS FOR NO REASON, when I go into the local offices, all I get is the run around... 
( THEY CLAIMED IT WENT TO THE FRAUD UNIT FOR ( ... NOTHING ) BANK OF AMERICA - - NO REASON, NO EXPLAINATION, XXXX RETURNED PHONE NEVER TOLD TIME-LINE Request clear guidance on the next steps and the expected duration of the investigation. While fraud investigations can take days or weeks, the bank should provide a clear process. 
IDENTIFY EXEMPT FUNDS : NEVER EXPLAINED If your account contains " exempt funds '' ( e.g., Social Security benefits, XXXX, unemployment compensation ), inform the bank immediately, as these funds are often protected from XXXX. 

ACCOUNT FROZEN FOR OVER A MONTH NO INFORMATION WHAT SO EVER I have spoken to many bank managers,,, ,crickets??? aware that if this issue is not resolved within 5 business days, my next step will be to file a formal compl...???? WHAT DOES THIS MEAN?

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