vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I bank with First Horizon Bank in XXXX. I opted out of overdraft protection when I opened my account. I have several auto-draft payments set-up for my monthly reoccurring bills. On several occasions the bank covered the ACH auto-draft when my account did not have sufficient funds, then charged an overdraft fee. When I spoke with XXXX of the managers on-site in XXXX, XXXX was told that the bank is unable to stop the ACH payments. 
This month I was unable to maintain a positive balance in my account. Typically my payroll check is direct deposited bi-weekly. Recently, I missed XXXX payroll periods. Once funds stopped going into the account, the bank then stopped the ACH payments. 
I feel I have been mislead. How is it they are not able to stop the payments when I have a steady stream of income, but once funds are not available ( please keep in the mind the previous ACH auto-drafts were taken from a negative balance ) they are able to stop the payments. 
I understand fees are going to be involved in this situation because of returned payments, however, I feel the bank needs to be more transparent when discussing the overdraft opt-in/out processes. These processes are outlined in the paperwork when you sign the opt-out agreement. My point is, it seems awfully convenient for the bank to cover the debt and charge copious fees, sending an account further into overdraft status, rather than not cover the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2025, I initiated XXXX MoneyGram transfers to XXXX, each in the amount of {$2000.00} ( total principal : {$4000.00} ). After applicable fees, the total charge was {$4000.00}, which was successfully deducted from my XXXX XXXX account as reflected on my statement. 

Despite the deduction, MoneyGram subsequently notified me that both transactions were declined ( see attached screenshot ). I reasonably expected the full amount of {$4000.00} to be refunded to my account within a standard processing period. No refund was issued.On XX/XX/2025, I contacted MoneyGram and opened a formal claim ( Claim # XXXX ). A follow-up claim was submitted on XX/XX/2025 ( Case XXXX [ ref XXXX XXXX XXXX XXXX  ref ] ). I received no email acknowledgment or resolution from MoneyGram. Upon calling MoneyGram customer support, a representative informed me that the transactions were declined at their end and that no funds were ever withdrawn from my account. They asserted that XXXX XXXX  was holding the {$4000.00}. On XX/XX/2025, I filed a dispute with XXXX XXXX On XX/XX/2025, XXXX issued a temporary credit of {$4000.00} pending investigation.On XX/XX/2025, XXXX notified me of the investigation outcome, stating that MoneyGram did in fact process and receive the {$4000.00}. As a result, XXXX has reversed the temporary credit, leaving my account short {$4000.00} for transactions that MoneyGram confirms were declined.This contradictory information has resulted in a clear financial loss. MoneyGram maintains the transfers were declined and claims no funds were received, yet XXXX records confirm the funds were debited and ultimately transmitted to MoneyGram. 

Requested Resolution : I respectfully request that MoneyGram refund the full {$4000.00} directly to my XXXX account. I am prepared to provide all supporting documentation, including : XXXX XXXX  statement showing the {$4000.00} deduction MoneyGram decline notification ( screenshot ) MoneyGram claim confirmation ( # XXXX ) Correspondence and call logs with both institutions I trust this matter will be resolved promptly to restore the funds that were deducted for transactions that were never completed. 

i spoke with XXXX and filed for them to look into my claim. again, they have responded and stated that they do not have the money and that money gram has it. in the PDF it states the transaction has gone through and money gram has the money. however, money gram states the transaction was declined but never returned the money back to chase. I would like my money back and for this to be finally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
XXXX verified and continues to report an inaccurate balance on a collection account. The amount reported does not match the original creditors balance and is therefore inaccurate. The original balance from XXXX XXXX is {$19000.00}, yet the collection agency, Bounce AI, is reporting a balance of {$22000.00}. 

I disputed this matter in writing and provided documentation. Prior to the account being reported, I sent XXXX certified debt validation letters to Bounce AI. Despite this, Bounce AI proceeded to report the account with an inflated balance, and XXXX subsequently validated the inaccurate amount. 

During a phone conversation with XXXX, I was informed that XXXX does not reflect that Bounce AI purchased the account from XXXX XXXX. I explained that I possess a letter from Bounce AI stating the account was sold on XX/XX/year>, raising serious concerns regarding ownership verification and the accuracy of the investigation. 

XXXX actions violate the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ). Additionally, Bounce AIs reporting raises concerns under 15 U.S.C. 1681s-2 ( a ) and ( b ) regarding the furnishing of inaccurate information. 

I am requesting immediate correction or deletion of this tradeline and written confirmation of the method of verification used in XXXX investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
From XXXX through XX/XX/XXXX automatic payments of {$75.00} were issued from my bank electronically to XXXX. At the end of the XX/XX/XXXX billing cycle, and without notice, XXXX no longer accepted electronic payments from banks. This decision placed myself and, I'm sure, countless others in default causing late fees to be assessed to our accounts. I called XXXX  to question why I was not notified of this change and why the change occurred at all. Customer representative explained my due date and that the website is available for payment. I explained that I did not want to use the website due to the only XXXX options available for autopay are " statement balance '' or " minimum balance '' and that I paid over the minimum balance, but could not afford the statement balance. I expressed my displeasure that this was forcing customers to pay more interest. I was also told that XXXX  will only credit XXXX late fees a year, which I completely disagreed with because this was not my fault and eventually did receive full late fee credit. Now, the only way I can pay is via paper check through my bank sending it XXXX to XXXX weeks in advance of the due date to the payment processing center. XX/XX/XXXX payment posted late ( XXXX XXXX XXXX, Posted XXXX XXXX ). I notified my bank who contacted XXXX and on a three-way call I authorized XXXX  to speak to my bank regarding this issue. Bank proved payment sent ; XXXX refused to refund late fee due to their policy of only crediting XXXX late fees in a year. XX/XX/XXXX payment posted late ( XXXX XXXX XXXX, Posted XXXX XXXX ). I notified my bank who contacted XXXX and was told that they do not allow third party calls with anyone even if the customer is conferenced in to give authorization. I believe XXXX is using dates of when payments are posted instead of when payments are received. Also, I believe XXXX XXXX  payment practices are forcing customers to pay interest for longer terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
As a result of a recent data breach, my personal identifying information was compromised and used without my authorization. Consequently, unauthorized accounts, unfamiliar credit inquiries, and incorrect late payment records have appeared on my credit reportnone of which I opened, approved, or recognize. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally requesting a full reinvestigation of these accounts and inquiries. I ask that any information found to be inaccurate, unverifiable, or fraudulent be permanently deleted from my credit file. Enclosed is supporting documentation, including an Identity Theft Report, to aid in your investigation.

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 2025-12-23 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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 FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Theyre saying its a security risk. Funds are being held until XXXX but its already in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
At XXXXXXXX XXXX XX/XX/year> I transferred the money to a number that doesnt have a chime account in the around XXXX. I got scammed so around that same time I contact the chime dispute/investigation team and I informed them it was a scam but chime representative put in the system as an unauthorized charge. And I filed a dispute, submitted evidence of a police report, emails, and transactions on my account after they said past 10 days it will be credit put on my account, it never was but it was the XXXX  day that my dispute was denied and I never received a credit and also when I reopen my dispute a day later they denied my dispute again day after and both times I called and asked if they could tell me why my dispute keeps getting denied and it was no evidence that they could have given me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
1. Promotional balances expiring on XX/XX/XXXX were paid in full before expiration My XX/XX/XXXX statement lists three promotional plans scheduled to expire on XX/XX/XXXX. To ensure these balances were paid in full before expiration, I made the following payments, all of which appear on my statements : XX/XX/XXXX {$56.00} XX/XX/XXXX {$330.00} XX/XX/XXXX {$330.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$330.00} These payments total {$1100.00} and fully satisfied all promotional balances expiring on XX/XX/XXXX before the expiration date. 
After these payments were made, I updated my future payment allocation preferences. This action caused the system to retroactively reallocate previously applied payments, resulting in an incorrect deferred interest charge of {$2500.00} on my XXXX statement. This charge was later reversed on XX/XX/XXXX, confirming that the issue was payment misallocation rather than nonpayment. 
2. XXXX return on XX/XX/XXXX was applied incorrectly Following instructions from Citi customer service, I returned two XXXX to a Best Buy retail store so the purchase could be reprocessed under promotional financing. The store processed a return credit of {$510.00} on XX/XX/XXXX. A Wi-Fi device ( XXXX XXXX XXXX, {$54.00} plus {$3.00} tax = {$58.00} ) from the same transaction could not be returned and remained on my account. 
The same-day purchase reflected on my statement was {$510.00}. The correct net result of these transactions is : {$510.00} purchase - {$510.00} return = {$4.00} Adding the Wi-Fi device ( {$58.00} ), the correct revolving balance after the return should have been exactly {$63.00}. 
Instead, the return was applied to prior promotional balances that had already been paid in full. 
3. {$300.00} payment on XX/XX/XXXX was not applied as instructed On XX/XX/XXXX, I made a {$300.00} payment by phone and explicitly instructed that it be applied first to my revolving balance. Given a revolving balance of {$63.00}, the payment should have been applied as follows : {$63.00} to fully satisfy the revolving balance {$230.00} to the next promotional balance scheduled to expire ( promotion opened XX/XX/XXXX, expiring XX/XX/XXXX ) This allocation did not occur. 
4. XXXX statement reflects incorrect balances My XX/XX/XXXX statement reflects a revolving balance of {$390.00}. Once the return and payment are applied correctly, the revolving balance should be {$0.00}.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: KS

Complaint narrative:
I am filing a complaint against U.S. Bank regarding a payroll check I deposited via mobile banking. The check was from an established payer, and I have previously deposited checks from this same payer without any issues. 

On Saturday, XX/XX/year>, I deposited a {$600.00} payroll check, and the bank initially provided provisional credit of {$270.00}. However, the bank later reversed that provisional credit, causing my account to go negative. The bank then placed an extended hold on the entire check, stating it would not be available until XX/XX/XXXX. 

This extended hold is not justified given the payers history and my accounts clean record. The phone supervisors, and the banks representative refused to provide any written explanation or to offer a courtesy credit to cover the overdraft, despite the undue hardship caused. 

I am requesting that the CFPB investigate this matter and ensure that the bank provides appropriate remediation, including the reversal of any overdraft fees and the immediate release of the held funds. 

Account Holder : XXXX XXXX XXXX Date of Deposit : XX/XX/year> Amount : {$600.00} If more information is needed, please reach back out. Thank you for your attention to this matter.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This creditor pulled my credit without my knowledge or consent XXXX XXXX XXXX XXXX XXXX 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XX/XX/XXXX MY HUSBAND AND I WERE THE VICTIM OF A " SIM STEAL '' > ON XX/XX/XXXX WE NOTICED OUR PHONE WERE PLACED IN SOS MODE, AND WE WERE UNABLE TO USE OUR CELL PHONES >ON XX/XX/XXXX WE VISITED OUR LOCAL BANK OF AMERICA ( BoA ) TO CLOSE OUR ACCOUNTS ( BoA REP. XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX RELEASED OUR PHONES FROM THE LOCKED SOS MODE ON XX/XX/XXXX ON XX/XX/XXXX WE VISITED BoA TO OPEN NEW ACCOUNT NUMBERS ( BoA REP. XXXX XXXX ) XXXX XX/XX/XXXX I GOT A NOTICE OF A OVERDUE CREDIT CARD PAYMENT ( BoA CARD # XXXX ) AND CALLED BoA ( REP. XXXX ) AND TOLD HER OF A FRAUDULANT XXXX  CHARGE OF {$1.00} >AFTER GETTING A BANK INFO ON XX/XX/XXXX FROM BoA THERE WERE THREE CHARGES FROM XXXX : {$1300.00} ON XX/XX/XXXX ( XXXX XXXXXXXX ), XXXX ON XX/XX/XXXX ( XXXX XXXXXXXX ), AND {$1300.00} ON XX/XX/XXXX ( XXXX XXXXXXXX ) WHICH I DID NOT MAKE >ON XX/XX/XXXX VIA LETTER BoA ADVIDED THAT THE {$1300.00} AND THE {$1300.00} CHARGES WERE REMOVED AS THEY WERE DEEMED TO BE FRAUD. 
THEY HOWEVER DID NOT REMOVED THE XXXX CHARGE OF {$6600.00} XXXX XXXX WE CALLED BoA ( REP. XXXX ) THAT IN REVIEWING THE DATA PROVIDED AND ADVISED HER THAT THE XXXX SHOWED THE AUTHORIZATION EMAIL PROVIDED BY XXXX  ( FOR ALL THREE CHARGES ) WAS XXXX. and the IP address used was XXXX ( THE IP ADDRESS IS IN THE XXXX NY AND WE LIVE IN PORT XXXX XXXX FL. 
iHAVE NEVER HAD A " XXXX '' EMAIL ADDRESS. XXXX NOTED THAT THIS NEW INFORMATI0N WOULD BE ADDED TO FILE AND THE CASE WOULD BE RECONSIDERED. 
XXXX XXXX BY LETTER BoA ADVISED THAT THE XXXX CHARGE OF {$2600.00} WAS BEING MAINTAINED BASED ON INFO PROVIDED BY XXXX. 
>BOTTOM LINE, BoA DISMISSED ONLY TWO OF THREE XXXX CHARGES BASED ON THE SAME INVALID EMAIL ADDRESS AND THE FACT THAT THE IP ADDRESS IS NOT MINE. IF TWO WERE DEEMED FRAUD AND DISMISSED IT MAKES NO SENSE. ALL THREE WERE MADE BASED ON FRAUDULANT INFO.

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 2025-12-23 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

Company response to consumer: Closed with explanation