vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Unauthorized debit card transactions were made on my account without my consent, including charges from unfamiliar online merchants. I did not authorize or benefit from these transactions. I reported the charges as fraud, but my dispute was denied without sufficient explanation or proof of authorization. The charges caused financial hardship, and I am requesting reimbursement of all unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year> I deposited my bonus check in the amount {$850.00} at the Navy Federal ATM location at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX California XXXX. I was waiting for the deposit to be cleared I checked my account a few days later and noticed there was an amount of {$200.00} taken from my account following an additional transaction of {$500.00}. I immediately contacted navy federal and advised them that someone had to have hacked my account from their atm due to my card being used at the exact atm I deposited my check into and I was nowhere near that atm during that time nor had I taken that money out my account. I filed a dispute on XX/XX/year> with navy federal the money was issued back into my account, days later I noticed my account was overdrawn for the money again after calling navy federal I was told that the dispute was completed and navy federal had found no suspicious activity. I was told I could appeal this decision in which I have done I have not received any updates every time I call the bank they are telling me I have to wait with no explanation I asked is there a turn around time for this dispute Im overwhelmed with this situation and just want to know something is being done. I worked hard for my money and Im disappointed in the outcome i never used my money I never withdrew the money from my account I want answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
On or about XX/XX/year>, I reached out to UWM to inform them that I am currently in a hardship situation and needed assistance with a government assistance forbearance. Upon speaking to a customer service rep regarding this matter, I was treated very rudely by the rep with no sign of empathy. I explained to the rep several times I haven't been paid and wasn't sure when I would collect compensation. The rep stated help regarding the government assistance shutdown is over and I don't qualify at this time. This is not true as I stated to the rep letting her know my situation clearly happen during the time the government assistance was available. The rep decided she would put the coded information in the system to move forward in getting the assistance needed. After receiving several letters from UWM stating I was declined even though I was told this would be in the system to be approved due to being off from work with no pay. As of today, UWM has declined me and continually to give false information each time I would give them a call. I have letters and calls recorded pertaining to the conversation and information provided. I am asking for help to hold this company accountable and sensitive to the needs of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 information listed contains inaccuracies and does not accurately portray my financial behavior. I request a formal review and correction.

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 2025-12-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> an unauthorized charge was made to my debit card through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
My bank US Bank use something called transaction ordering and courtesy pay : They reject one large transaction ( my cell phone bill ) But allow multiple smaller ones to go through Then they charge {$29.00} per item instead of one fee That creates maximum fees, not customer protection.

Even worse in my case : Some transactions show incomplete or unclear details I am on disability/widow benefits ( protected income ) The account is being pushed deeper negative by fees alone now over {$500.00}.

Unauthorized or repeatedly rejected transactions are involved This combination is a serious consumer protection issues. 
Why this may be illegal or at least challengeable This can fall under : Unfair or deceptive banking practices Failure to stop unauthorized transactions Predatory fee practices Failure to accommodate protected-income customers Banks do not have unlimited freedom to : Reorder transactions purely to generate fees Ignore repeated rejections and keep charging Drain protected benefits I am disputing these overdraft fees as unfair and excessive. 
I receive XXXX XXXX XXXX XXXX, which are protected income. 
These transactions were processed in a way that maximized fees and included unauthorized withdrawals.

I am requesting a full overdraft fee reversal and a hard stop on transactions immediately.

This is known as systemic abuse of overdraft policies. 
It disproportionately hurts : XXXX people Widows Seniors Low-income customers I fall in each of those categories and Im calling it stealing is emotionally accurateeven if the legal term is unfair practice.

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 2025-12-26 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: CA

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2025-12-26 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: CA

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: OH

Complaint narrative:
I financed an XXXX XXXX flight through Klarna. The flight was canceled by XXXX XXXX due to weather, and the airline issued a refund of {$740.00} to Klarna. Despite receiving the refund, Klarna failed to properly apply it to the purchase and continued to show an active balance. Klarna also charged {$72.00} in interest on this refunded transaction. I paid {$290.00} toward this purchase, which exceeds the remaining non-refunded amount. I contacted Klarna multiple times to request a billing correction, reversal of interest, and closure of the purchase, but Klarna refused to correct the issue and instructed me to make payments, use the refund to pay the balance, or contact my bank instead. I did not receive the service and should not be charged interest or required to pay on a canceled and refunded transaction. I am requesting a billing correction, reversal of all interest, closure of the purchase, and a refund of my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
Borrower : XXXX XXXX XXXX Loan # : XXXX Property : My mortgaged residence Servicer : United Wholesale Mortgage ( UWM ) NOTICE OF ERROR LETTER ( FULL TEXT ) This letter constitutes a formal Notice of Error pursuant to the Real Estate Settlement Procedures Act ( RESPA ), 12 C.F.R. 1024.35.

I am providing notice of multiple servicer errors by United Wholesale Mortgage related to two separate XXXX XXXX XXXX XXXX trial plans, which directly caused wrongful delinquency, denial, and financial harm. 
Error # 1 XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) : UWM processed a trial payment for more than the authorized amount, resulting in an overdraft and returned payment. This error occurred through no fault of my own and was exacerbated by a holiday banking delay. Despite my willingness and ability to pay, the modification was denied due to UWMs processing error.

Error # 2 Second XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) : UWM authorized automatic withdrawals for XXXX, XXXX, and XXXX to be drafted on the  last day of each month. XXXX and XXXX were taken. XX/XX/XXXX was not drafted, despite repeated confirmations and calls. 
I contacted UWM multiple times in XXXX, XXXX, and XXXX ( including approximately XX/XX/XXXX and XXXX ) to confirm authorization. I was explicitly instructed to keep the same draft date each month. UWM failed to process the XXXX payment. 
Error # 3 Refusal to Accept XXXX Payment : I received a notice stating {$1200.00} was due for XXXX. When I attempted to pay this amount, UWM representatives refused to accept the payment unless I paid the entire reinstatement balance ( over {$20000.00} ), which constitutes improper payment refusal.

Additional Context : I am permanently disabled and receive SSDI. I have XXXX  ( XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX. I was hospitalized in XXXX. My hardship and any payment disruption were caused by medical disability and UWMs servicing errors, not refusal or inability to pay.

I demand the following corrections : Written acknowledgment that delinquency resulted from servicer error Reversal of all late fees, default fees, and negative credit reporting Reinstatement or re-review for a XXXX XXXX XXXX XXXX Written instructions allowing acceptance of the XXXX payment without requiring full reinstatement A complete payment history and call log Please investigate and respond within the timelines required by RESPA. 
Signed : XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX contacted family members and provided my name and claim/account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
CFPB FOLLOW-UP : CONTINUED POST-DETERMINATION CREDIT REPORTING Company : SoFi / XXXX XXXX XXXX XXXX XXXX XXXX Product : Private Student Loan Reason for Follow-Up I am submitting this follow-up because XXXX has continued to furnish new XXXX credit information after concluding its dispute review on XX/XX/year>, resulting in additional consumer harm. 

Despite asserting that credit reporting was valid and accurate as of XX/XX/year>, XXXX has continued reporting negative updates, bringing the total number of derogatory marks related to this account to XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX previously acknowledged my dispute was active from XX/XX/year> through XX/XX/year> XXXX admitted derogatory reporting continued during that dispute period Credit alerts confirm furnisher updates on : XX/XX/year> TransUnion XX/XX/year> Experian A subsequent update after XX/XX/year>, resulting in a fifth derogatory mark In their most recent response, XXXX states that reporting was determined accurate as of XX/XX/year>, yet does not explain or justify new negative furnishing occurring after that date. 

Issue Requiring CFPB XXXX My concern is now limited to credit-reporting procedure and FCRA compliance, not the validity of the loan. 

Specifically : Why new derogatory credit information was furnished after XX/XX/year>, the date XXXX claims its review was completed Whether those XXXX updates were supported by a reasonable investigation XXXX dispute notation was applied to all furnish events during and immediately following the acknowledged dispute period Why continued furnishing occurred despite unresolved procedural questions raised in prior correspondence XXXX responses remain conclusory and do not address these procedural deficiencies. 

Requested CFPB Assistance I respectfully request that the CFPB require XXXX XXXX XXXX Identify all credit furnish dates after XX/XX/year> and the basis for those updates Confirm whether dispute notation was applied to each furnisher update from XX/XX/year> forward Explain what specific data points and records were reviewed prior to each post-dispute furnishing Correct or remove any derogatory credit reporting that was furnished without proper dispute notation or without a reasonable investigation Closing This matter now involves continued post-determination credit reporting that has compounded the harm originally raised in my complaint. I appreciate the CFPBs continued assistance in reviewing this pattern and ensuring compliance with the Fair Credit Reporting Act. 

Thank you for your time and consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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.

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 2025-12-26 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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