vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally contest the resolution of my claim regarding a transaction with a merchant whose website has since been flagged for deceptive practices. 

On XX/XX/XXXX, I purchased a super giant box from this merchant, shipped from XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Shortly after purchase, I received unclear and conflicting instructions about returning the product. The merchant required that I ship the return internationally, which contradicts both the original shipping origin and their advertised return policies. 

When I raised this matter with Chime, the merchant offered only a partial refund ( 45 % of the total paid ) or required that I pay for costly international return shipping. This outcome is not only inconsistent with the terms originally advertised but also appears indicative of intentional business misconduct and false advertising. The website advertised boxes containing XXXX items for {$30.00}, but, after paying {$65.00} for the largest box, I did not receive the represented value and was offered an unsatisfactory resolution. 

Supporting documentationincluding merchant correspondence, screenshots, and evidence of the websites deceptive statuswas submitted as part of my initial claim. In addition, I formally requested a copy of all the documents, correspondence, and any third-party information Chime used to render its final determination, as referenced in their decision letter dated XX/XX/XXXX. 

During a phone call with Chime Disputes on XX/XX/XXXX, I was informed that such documentation could not be provided as it is handled in another department, and my request could not be fulfilled. This lack of transparency undermines the fairness and integrity of the dispute process and fails to provide me with the substantiation used to deny my claim. 

I find it troubling that my financial institution has sided with a merchant engaging in practices so egregious the site is no longer active, especially after evidence of deceptive conduct was provided. I request a thorough explanation, a copy of all information relied upon for the claim determination, and a full review of my case to ensure my consumer rights are protected. 

Thank you for your prompt attention to this matter. I would appreciate a timely response and am prepared to escalate this matter to appropriate regulatory authorities if necessary. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
XXXX XXXX XXXX, Va, XXXX Re : Follow-Up Request for Method of Verification To Whom It May Concern, I am writing regarding my previous dispute dated [ XX/XX/year> ], in which I challenged the accuracy of the following account ( XXXX ) : XXXX XXXX XXXX You responded by claiming the account ( s ) were verified. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and ( 7 ), I am formally requesting the following : 1. The method of verification used to determine the disputed information was accurate. 
XXXX. The name, address, and telephone number of the data furnisher who verified the information. 
XXXX. Documented proof of the investigation conducted, including any records, documents, or communication relied upon to reach your conclusion. 

Please note that failure to provide the requested verification and supporting evidence is a violation of the FCRA, specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation and provide the method of verification upon request.

If you can not or will not provide proper verification, I demand that the disputed account ( s ) be immediately deleted from my credit report. Continued reporting of unverifiable information is a direct violation of federal law and may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals office, as well as potential legal action for damages. 

Please respond to this request within the legally required time frame. I expect your compliance in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Issue Summary On XX/XX/year>, I made a student loan payment to Mohela through XXXX  XXXX XXXX. The funds were successfully withdrawn from my account, and I have attached the electronic transfer information as proof of payment. Despite this, Mohela has not posted the payment to my account. 

Details of the Problem Payment date : XX/XX/year> Payment method : Electronic transfer from XXXX  XXXX XXXX Proof of payment : Bank confirmation document attached ( includes electronic transfer number ) Mohela has failed to apply this payment to my student loan account. 

My account is still being reported as past due, and late fees have been assessed in error. 

Attempts to Resolve I have repeatedly contacted Mohela directly : Phone calls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> Electronic messages : Sent through XXXX online portal ( no reply ) Each time I was told the matter would be investigated, but I have not received a resolution. 

To date, my account still shows as past due, and my payment has not been credited. 

Impact My loan account is inaccurately listed as delinquent. 

Late fees have been wrongly added. 

This error has caused unnecessary stress and could negatively affect my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-09-26 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:
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 explanation
Consumer complaint received 2025-09-26 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: OK

Complaint narrative:
Its heartbreaking to see that these inaccurate accounts continue to stay on my credit report, despite my attempts to fix this issue. I urgently ask that you take a close and thorough look at the documents Ive provided, because I just want to be free from this never-ending worry and frustration.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, an application for a Capital One XXXX card was submitted without my knowledge or consent with my personal information. I did not authorize or consent to this application. The application was made in a different state than I live and was only brought to my attention because of a credit report monitoring system. XXXX XXXX XXXX have not, to my knowledge, removed the fraudulent credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-26 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My SSN is tied to a closed Axos/UFB account and an old email address that no longer exists. This has stopped me from opening a new account. I had been trying for over a year before I found out through an UFB agent it was this old account information that causes the glitch when applying for a new account.

I chatted with UFB agents on two occasions who didnt follow through on escalating this case. 

I emailed multiple Axos/UFB addresses on XX/XX/year> and XX/XX/year> and received no response. 

I am requesting that they unlink my SSN from the obsolete profile so i can open a new checking/ savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
yes so there are two ( 2 ) fraudulent accounts XXXX XXXX XXXXXXXX XXXX date XXXX account number # XXXX amount {$6200.00} and the G.S. Bank Apple Card open date XXXX amount {$270.00} and the account number # last four ( 4 ) digits are # XXXX both of these accounts are not mines and were not open by me. neither account has my correct legal name or my legal signature on the accounts or contracts. i had advised both companies including all three ( 3 ) major credit bureaus of this information already and told them that these two ( 2 ) fraudulent accounts were not mines and they both need to be REMOVED from off of my Credit Report immeditaly.I have already contacted both creditors about the fraudulent accounts and now i am submitting the F.T.C.Fraud Claim and Form like XXXX inform me too do so they can REMOVED both of these fraudulent accounts from off of my credit report immeditaly.also along with the F.T.C.Report i am submitting copies of my Driver Linsence Social Secretary Card and the orginal copy of the Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-26 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: DC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to formally dispute fraudulent accounts that have been wrongfully included on my credit report. These accounts are not mine, and I have never applied for, opened, or authorized them in any capacity. Their appearance on my credit file is a serious inaccuracy that is damaging my creditworthiness and financial reputation. I have exercised great care in managing my financial obligations, and it is deeply concerning to see this false information undermining years of responsible credit history. I am requesting that these fraudulent accounts be promptly investigated, removed in full, and that my credit report be updated to reflect an accurate record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio recovery has been calling and hassling me and making threats of suing me due to debt. However, I never received any info from the original debt and/or company information to confirm that debt and I believe that they received my information without my consent from XXXX  There is a lawsuit with XXXX confirming this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
Details of the Issue : Several unauthorized transactions were made on my debit and credit cards, including charges to XXXX XXXX XXXX. 
I immediately reported the fraud to Bank of America and requested an investigation. 
Bank of America denied my claim without providing provisional credit as required under Regulation E ( Electronic Fund Transfer Act ) for debit cards. 
They also failed to provide any documentation or proof showing that the transactions were authorized by me, which violates both Regulation E and the Fair Credit Billing Act / Regulation Z for credit cards.

At no time did Bank of America send me written notice of the results of their investigation within the required timeframe.

Regulation E ( 12 CFR 1005.11 ) requires financial institutions to : 1. Investigate reported unauthorized electronic fund transfers.

2. Provisionally credit the consumers account within 10 business days if the investigation takes longer.

3. Provide written results of the investigation within 3 business days after concluding.

Regulation Z ( 12 CFR 1026.13 ) requires that disputed credit card charges be investigated and that the bank provide documentation proving authorization or remove the charge. 

Bank of America failed to comply with these requirements. I have suffered financial hardship because thousands of dollars were taken, and my account was never credited while they investigated.

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 2025-09-26 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered a hard inquiry that I did not authorize. I have maintained meticulous records of my financial activity and can confirm that no application or consent exists for this inquiry.

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 2025-09-26 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief