vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Flexible Finance, Inc.
State: CO

Complaint narrative:
The rent autopay attempted to pull from the correct card, which didn't have enough on it for the payment. That's my fault. I went into the system to add funds from a different account for the rent payment to pull from first like I always do. The system took that money from my other account, and then on top of that charged the full rent payment to that account without touching the initial money it was supposed to take first. This system has never once done that. I have always, every single time, had to manually select the " process payment '' option after adding the extra funds into the system and switching the card back to the correct one for the majority of the payment. I was robbed by Flex. Money was taken from me twice while only XXXX time was authorized. They also are now refusing to make this right by refunding me the amount charged on the wrong card, using the extra money in their system, and then charging the rest to the correct card. They say it's my fault their system stole from me and left me negative over {$600.00}. I do not have a way to move money between the XXXX accounts without losing a significant chunk of money. I should not be punished for their system stealing from me. They say I can withdraw the money I put in, which would take XXXX  days. XXXX  days where I don't get to eat. XXXX days of more punishment for THEIR wrongdoing. Upon reading the email about my card being switched, it says that I can't even withdraw that money BECAUSE I changed the card. So, once again, they're robbing me and trying to weasel out of fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding Citibanks decision to block my account after a check deposit.

Around XX/XX/XXXX, I deposited a check written by my husband using a Citibank ATM. Shortly afterward, Citibank froze my account without any prior notice. When I called customer service, I was told that I needed to provide my husbands bank certificate or monthly statement in order to have my account unblocked. 

The check was drawn from my husbands account at XXXX XXXX XXXX. He went to XXXX for assistance, but they informed him that they could not issue such a certificate. Eventually, by the end of the month, he obtained his monthly statement. Following Citibanks instructions, we brought the statement to a Citibank branch, but the banker told me she didnt know how to submit this document to verify the check. She then called to find a way to submit it, but later we were told that there was no way to submit the statement, and that my husband would have to contact his bank directly to verify the check. I found this response unreasonable.

I have made multiple efforts to cooperate with Citibank and follow up on this issue, including several phone calls and branch visits, but the matter still has not been resolved.

This situation has caused me significant inconvenience and stress. I believe Citibanks actions lack transparency and fairness, and I am being unfairly penalized for making a routine, legitimate deposit.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-11-01 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
This complaint is related to my previous CFPB Case # XXXX against Acima Credit LLC . I am submitting new evidence that was not included in my earlier complaint and am requesting that this information be added to or considered as a follow-up to the previous case. 
I was approved by Acima for {$1.00}, XXXX and used {$960.00} for jewelries I purchased. I paid a total of {$1000.00} in good faith, believing I had entered a financing agreement, not a lease-to-own contract. I was never informed at the point of sale that I was signing a lease. The store associate appeared unfamiliar with the process and was on a video call with another person who guided her through the signing steps. I was asked to sign electronically and there was not enough time to review the contract or its terms as the sales associate was waiting, again to my belief this was a financing or a conventional loan.

After paying more than {$1000.00}, I was shocked to receive a collections email from Acima on XX/XX/year>, stating that " I do not have the right to keep the property '' after failing on time/stopped payments. This message arrived after I had already filed my first complaint since I only stopped payment. This situation has caused me significant stress, XXXX, and emotional distress. I stopped payments only after realizing the agreement had been misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Summary of Complaint : I am submitting this complaint due to multiple creditors and credit reporting agencies failing to accurately and consistently report account information, despite prior disputes. The following creditors continue to report charge-offs, incorrect payment histories, and false dates of activity even though the accounts have been paid, settled, or closed with {$0.00} balances : XXXX. XXXXXXXX XXXX XXXX XXXX charge-off with {$0.00} balance, but Experian continues to show repeated CO codes months after closure. 


XXXX. XXXX XXXX XXXX XXXX Bank Equifax reflects late payments inconsistent with other bureaus and shows ongoing charge-off status on an account closed in XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX  Account shows charge-off history after full payment ; inconsistent between Experian ( CO ) and Equifax ( OK ). 


XXXX. XXXX XXXX XXXX  Experian reports disputed under FCRA but continues updating as charge-off monthly, creating re-aging. 


XXXX. XXXX XXXX XXXX XXXX  Reports as charged-off with no XXXXday lates, inconsistent with other bureaus OK statuses. 


XXXX. XXXX XXXX Experian reports CO history despite Equifax and TransUnion showing OK payments for the same time period. 


XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account transferred years ago, yet Experian still lists as charge-off with activity in XXXX, misrepresenting age and status. 



Each of these inaccuracies directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & 1681i ), which requires furnishers to report data accurately and credit bureaus to conduct reasonable investigations upon dispute.

-- - Prior Actions Taken : I have sent formal dispute and verification requests to TransUnion, Experian, and Equifax.

Several accounts were verified without investigation or correction, and others show conflicting data across bureaus.

Inaccurate charge-off codes continue updating each month, which damages my credit profile and falsely lowers my scores.

-- - Requested Resolution : I respectfully request that the CFPB intervene to ensure the following corrective actions are taken : 1. A full reinvestigation of each listed account by all three credit bureaus ; 2. Permanent deletion of any accounts verified with conflicting or unverifiable data ; 3. Written confirmation of compliance and corrective action under FCRA 611 ( a ) ( 5 ) ( A ).

These inaccurate charge-off updates are suppressing my credit scores and harming my ability to refinance my auto loan or obtain reasonable credit terms.

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 2025-11-01 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: NC

Complaint narrative:
Summary of Complaint : I am submitting this complaint due to multiple creditors and credit reporting agencies failing to accurately and consistently report account information, despite prior disputes. The following creditors continue to report charge-offs, incorrect payment histories, and false dates of activity even though the accounts have been paid, settled, or closed with {$0.00} balances : XXXX. XXXXXXXX XXXX XXXX XXXX charge-off with {$0.00} balance, but Experian continues to show repeated CO codes months after closure. 


XXXX. XXXX XXXX XXXX XXXX Bank Equifax reflects late payments inconsistent with other bureaus and shows ongoing charge-off status on an account closed in XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX  Account shows charge-off history after full payment ; inconsistent between Experian ( CO ) and Equifax ( OK ). 


XXXX. XXXX XXXX XXXX  Experian reports disputed under FCRA but continues updating as charge-off monthly, creating re-aging. 


XXXX. XXXX XXXX XXXX XXXX  Reports as charged-off with no XXXXday lates, inconsistent with other bureaus OK statuses. 


XXXX. XXXX XXXX Experian reports CO history despite Equifax and TransUnion showing OK payments for the same time period. 


XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account transferred years ago, yet Experian still lists as charge-off with activity in XXXX, misrepresenting age and status. 



Each of these inaccuracies directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & 1681i ), which requires furnishers to report data accurately and credit bureaus to conduct reasonable investigations upon dispute.

-- - Prior Actions Taken : I have sent formal dispute and verification requests to TransUnion, Experian, and Equifax.

Several accounts were verified without investigation or correction, and others show conflicting data across bureaus.

Inaccurate charge-off codes continue updating each month, which damages my credit profile and falsely lowers my scores.

-- - Requested Resolution : I respectfully request that the CFPB intervene to ensure the following corrective actions are taken : 1. A full reinvestigation of each listed account by all three credit bureaus ; 2. Permanent deletion of any accounts verified with conflicting or unverifiable data ; 3. Written confirmation of compliance and corrective action under FCRA 611 ( a ) ( 5 ) ( A ).

These inaccurate charge-off updates are suppressing my credit scores and harming my ability to refinance my auto loan or obtain reasonable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called BMO customer support on XX/XX/year> to have a report done on a scam ( occurred on XX/XX/XXXX and XXXX ) via a XXXX payment and they wrote the report and transferred me over to the XXXX department and the fraud department was very unhelpful and said that they dont do investigations. I also asked for a formal summary of updates about the fraud report to see updates on whether I can get the money back or not. Im very dissatisfied with the fraud department. I had to ask a bunch of questions and the person was very unpleasant.

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 2025-11-01 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: TX

Complaint narrative:
I have asked Experian to send me proof all inaccurate information was verified and they fail to send me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked Experian to send me proof all inaccurate information was verified and they fail to send me anything

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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I would like all the items that ive report over and over as fraud be removed from my credit and remove all the negative stuff as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, someone made 3 charges to my chime debit card in the amounts of {$500.00}, {$300.00}, nd {$1000.00}. On XX/XX/XXXX, {$1000.00} was also taken nd all charges were made to crypto.com. There were also lots of other charges to crypto.com on XX/XX/XXXX that chime caught as suspicious nd asked me if I made nd I said I did not authorize those transactions, so I have no idea why chime allowed these through nd not the others. I contacted chime and reported these losses nd they said that I would be eligible for the provisional credit nd would receive money on the XXXX nd the XXXX of XXXX. They made separate claims for each date. On those dates I was notified that my claims were denied with no further explanation. So I called chime again and they said they would provide documentation on how the case was determined but they did not. However, they said I could appeal the denial with a police report. So I got a police report nd called chime back to reopen the cases with the police report and within XXXX hours was informed that no error had been made and no money would be reimbursed nd that the matter was closed. I also reported these losses loss to crypto.com and after providing lengthy details was basically told that they were not responsible for reimbursing me. Where is the protection of the consumer? I believe that chime is very much responsible for paying me back the money that was taken from my account, and any other bank would certainly do so! They even have record of the flurry of fraudulent charges that they themselves flagged and I declined just around the same time as the charges that they allowed. Please help as I have nowhere else to turn nd {$2800.00} is all the money I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: RI

Complaint narrative:
I have been contacted by XXXX  XXXX XXXX XXXX and Ive submitted a complaint prior about them contacting me. The ceased communication with me but they use a third party called plaza services to collect the debt. The debts original amount is way less then what they are trying to collect. I have tried to look up the debt with Plaza Services Llc and it is saying not found with my social security number. I would like this removed off of my credit because I do not think it is fair that the company that I already had any attempts to collect the debt uses a third-party to still get their money which is not right. And I also want it removed from my credit report due to not being able to access the payment options to even try to make a payment or negotiate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$530.00} past due as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding two creditors, XXXX XXXX and XXXX, for improper and inaccurate credit reporting practices. As I keep going back in fourth and put me in XXXX  XXXX problem Both companies charged off and sold my accounts to third-party debt buyers, with whom I am currently working to resolve the debts. Despite this, the original creditors continue to report charge-offs with outstanding balances, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

I have already filed disputes with the credit bureaus, requesting that these accounts be updated to reflect a XXXX balance and sold/closed status since the debts were transferred. However, the bureaus refused to make corrections, even though the original creditors no longer own the accounts. 

This ongoing reporting of balances by the original creditors violates FCRA Section 623, which prohibits furnishers from reporting information they know or should know to be inaccurate. I am requesting the CFPB to investigate these violations and ensure XXXX XXXX and XXXX update or remove these accounts from my credit report immediately. 

Please notify me in writing once this issue has been reviewed and resolved.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: MD

Complaint narrative:
On XX/XX/year>, a notice was received from January Technologies, Inc. regarding an alleged debt of {$140.00} owed to XXXX XXXX XXXX for an account ending in XXXX. On XX/XX/year>, a formal dispute was submitted under the Fair Debt Collection Practices Act requesting verification of the debt, including the name and address of the original creditor, documentation showing legal obligation to repay, copies of any signed agreements, and proof that the company is authorized to collect. On XX/XX/year>, the company responded stating the balance was confirmed and that documents were available on their website. However, none of the requested documentation was provided directly, and no confirmation was given that collection activity would cease pending proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

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