vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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:
This is now my follow-up dispute regarding the unresolved and inaccurate negative accounts that remain on my credit report. I am extremely disappointed by your ongoing failure to address these errors, and I must ask : How many times do I need to raise this with you before you take appropriate action?

Your continued inaction is not only unacceptableit is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 616 Civil Liability for Willful Noncompliance FCRA 617 Civil Liability for Negligent Noncompliance

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 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime did 1 investigation, my claim was denied. The next day I started getting email from a delivery company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have to send another complaint as I have been waitting for months for my refund deposite of a upgarded secured credit card from unsecured credit card, the amount is {$2500.00} XXXX sent complaint and only got reply from Citibank provided the scan of check pay to me but cashed on XX/XX/XXXX by someone else that signed a random name. Citibank only sent me a form to fill out stating it wasnt me who cashed the check without refunding my deposite amount and no information as of when I will get my refund! 

I had never ever got any info about this check from Citibank, no tracking for the mail, only when I called customer service told me to keep waitting then informed me it was cashed out on top of that everytime I called they would give a different infos! 

I send bellow stamp on my passport by XXXX XXXX XXXX that I was back to the country on XXXX XXXX after my 4 months vacations and the check that Citibank  showed me bout my refund. Please take a look, this is completely wrong! 

I also sent all these proof to citibank email XXXX but I dont know if anyone will care to help me as yesterday I called citibank customer service and their supervisor told me that I have to cancel credit card to get the money back, its still with the bank which I dont believe is true as I saw the scan of the check and I want to continue using my credit card. 
Anyone who can, please help me! I simply want my money back, it supposed tobe automatic not a prolong pain like this! 

Thank so much for the help!

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 2025-06-23 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I purchased a internet tool call XXXX  from XXXX XXXX XXXX who claimed that it was providing the opportunity to try out the resource for {$1.00} with the option to cancel it within 10 days. If it was not canceled, I would be charged {$47.00} for the subscription. Immediately after paying {$1.00} for the tool, I went into the account to cancel the subscription so that I would not be charged for it later on. However, when I went into the account settings within the website, the company does not provide one an option to cancel the subscription on the website from its account settings. 

I reached out to the company via email on XX/XX/year>, which was read but not replied to regarding canceling my subscription so that my card would not be charged. Additionally, I reached out on XX/XX/year> directly to the owner of the XXXX XXXX XXXX via messages on the XXXX XXXX  stating my concerns and the issues with the account. However, it was also read and unanswered. Clearly, this is a fraud that is being committed by this individual to take money from others without their consent and without providing them with an option to opt out of their service if undesired. 

On XX/XX/year> I called Avant regarding the {$47.00} charge that was made on my account without my authorization from this company. They stated that they would open a case regarding this matter. When I requested them to provide me with a case number, I was informed that it would be sent to me via mail. When I called them to followed up on the case on XX/XX/year>, they stated that the case was opened and escalated to the appropriate department and that I would receive a follow up on the matter via mail soon. To this date ( XX/XX/year> ) I have not received this letter. Following all of this, I reached out via email to Avant on XX/XX/year> to which I received a follow up email on XX/XX/year>, stating the matter was still being looked into. 

Within the time frame from when I first tried to cancel this said subscription from this company to this date, the first charged of {$47.00} from XXXX XXXX XXXX was not resolved and now I was charged with an additional {$47.00} charge. This is now totaling charges of {$94.00} that this company has taken from me without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
My daughter was using my phone one evening and while I was at work. Upon her returning my phone I logged into my checking account and it was emptied. She had gone onto an app and unknowingly charged XXXX  of dollars in this website. She is XXXX u have to be XXXX  to play ok this website. I notified XXXX immediately distraut on how this could happen. I sent in screenshots of my XXXX year old interacting with this platform letting them know she did this by accident. The company would do nothing Abt it. I have banned with chime for over a decade I filed a dispute bc these are all unauthorized charges. XXXX of dollars .. they deny it with no reason I called asked them why still no.reason even though they should be protected under my account for these type of things. This is a nightmare. Been with chime for a decade can't speak with anyone in the disputed department I should receive this money back it was a XXXX year old charging in an illegal sight called shark secrets. She is not even if she to play in this site this is XXXX. My bank should support a customer as me and I should be able to communicate with the dispute department. This was my rent I am a lost of words I can not believe they r holding me liable and doing nothing Abt it. It even states that these are unauthorized charges and they refuse to authorize my dispute. She's XXXX I need help please to let chime know they are obligated to cover such charges for their customers under the visa and banking legalities when it comes to unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I don't know about any of these accounts with Equifax. The company will not show me any paperwork where I have a contract with them or my wet signature. They are reporting and it is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
No response from the credit bureau regarding an XXXX reported accounts I had requested in writing to have them investigate. The company 's name is " XXXX '' reported as a collection account with a balance of {$230.00}. The second one is a collection agency under the name of " XXXX XXXX '' reporting {$770.00} in collections.

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 2025-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: WI

Complaint narrative:
On or about XX/XX/year> I called Experian Credit Bureau about information being reported on my current consumer report fraudulently. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-22 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: MI

Complaint narrative:
I have filed several disputes with Trans Union XXXX  and XXXX  about the XXXX XXXX XXXX being on my report, they considered it as a charge off, but they are still reporting that I owe a balance, and even after the seven years are up they the reporting agencies still have not taken it off my credit report yet. This account was open XX/XX/XXXX and it is seven years later XX/XX/XXXX there should be no reason that they still should be on my credit because the statue of limitation is up.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed several disputes with XXXX XXXX Equifax and XXXX  about the XXXX XXXX XXXX being on my report, they considered it as a charge off, but they are still reporting that I owe a balance, and even after the seven years are up they the reporting agencies still have not taken it off my credit report yet. This account was open XX/XX/XXXX and it is seven years later XX/XX/XXXX there should be no reason that they still should be on my credit because the statue of limitation is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collection agency reporting a medical collection account on my credit file. The account details are as follows : Creditor : Accelerated Collection Services Account Number : XXXX XXXX XXXX Current Balance : {$1400.00} Original Balance : {$1400.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Reported : XX/XX/XXXX I previously disputed this account with the credit reporting agency. However, the account was returned as verified, with no substantive validation provided to me as a consumer. I continue to have serious concerns about the validity and accuracy of this debt. 

The basis for my complaint includes : 1. Lack of Validation : I have not received a copy of the original medical bill, an itemized statement of services, or proof that XXXX XXXX XXXX is authorized to collect on this alleged debt. This violates the consumers right to debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 


2. Insufficient Reinvestigation : The credit reporting agency has marked the account as meets FCRA requirements, but failed to provide actual supporting documentation or verification of accuracy. According to the Fair Credit Reporting Act ( FCRA ), unverifiable information must be removed. 


3. Disputed but Still Harmful : Despite being marked as disputed, this collection account continues to harm my credit profile with a derogatory status and charge-off notation, which I believe is unfair and misleading, particularly for a medical debt. 


4. Possible Medical Billing Errors or Insurance Processing Issues : This may be the result of an insurance error, duplicate billing, or a miscommunication with the healthcare provider. Until these possibilities are fully resolved and documented, the collection should not be reported. 



I respectfully request that the CFPB conduct an investigation into the conduct of XXXX XXXX XXXX regarding this account and ensure that proper validation, transparency, and consumer protections are upheld. If the debt can not be fully validated with supporting documentation, I am requesting that it be removed from my credit report. 

Thank you for your time and support in helping to resolve this matter. I look forward to your assistance in holding this debt collector accountable for proper reporting practices.

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 2025-06-22 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: DE

Complaint narrative:
I am writing to dispute several accounts listed in my credit report that appear to be the result of identity theft and are also reflected in my FTC Identity Theft Report. I was a victim in numerous data breaches. These accounts were opened without my knowledge or authorization. I am requesting that these accounts be investigated and removed from my credit file in accordance with FCRA Section 605b. I have also attached a copy of my FTC Identity Theft Report and any supporting documentation for your review.

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 2025-06-22 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: Selene Holdings LLC
State: FL

Complaint narrative:
The CFPB 1024.41 holds once a complete loss mitigation package is received by servicer, the servicer will stop foreclosure and make sure the lawyer stops foreclosure too. On XX/XX/year> Selene Finance received a complete package. emails attached for part 1 and part 2. A XXXX XXXX from Selene sent me a letter that the loss mitigation process will " not stop any foreclosure '' in violation for CFPB 1024.41. Even opposing counsel XXXX XXXX said he would put the file on hold during review. Attached. 
I believe I am a victim of mortgage assignment fraud. The executive XXXX XXXX from the investor group XXXX XXXX ( assignee ) signed the assignment to his own company the assignee without the participation of the lender assignor. Fs 673.2031 ( 2 ) voids fraudulent transfers.

I have an appeal to go back to bankruptcy to reduce the debt, since it is a fraudulent transfer but until I can return I have to pay if off so I don't loose my house. I offered them {$500000.00} which they turned down and they want {$950000.00} despite they have a fraudulent transfer. The refi will take time so I dont want them to sell my house at action and devalue it and leave me homeless, cause I have a lot of equity in my home left {$650000.00} after their {$950000.00} claim and can refinance so foreclosure is reckless and cruel. Need XXXX XXXX at Selene to follow your rules and stop any foreclosure actions and their lawyer XXXX XXXX so I can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I sent money on cash app and didn't receive the product or refund of my cash

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Dispute Of Inaccurate Credit Reporting - Account Closed on XX/XX/XXXX To Whom It May Concern, This letter is to formally dispute the continued reporting of late payments on the XXXX account listed as a Flexible Spending Credit Card, which was closed and charged off as of XX/XX/XXXX. 

According to the information reflected on my credit report, your company is reporting late payments after the date of charge-off and account closure, including derogatory marks listed as late in all of XXXX and XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2, which prohibits the reporting of inaccurate or misleading information to consumer reporting agencies. 

Once an account is closed and charged off, no further late payments can legally be added, as not active billing cycle or payment schedule exists post-charge-off. Therefore, the reporting of post-closure delinquencies is not only misleading by also unlawful. 

I am requesting the following actions : 1. Immediate deletion of all inaccurately reported late payments occurring after the charge-off/closure date of XX/XX/XXXX. 
2. A full reinvestigation of this account and correction of the reporting across all consumer credit reporting agencies ( Experian, Equifax, and TransUnion ).

3. Written confirmation that the inaccurate information has been corrected or deleted. 

Please consider this letter a formal dispute and a demand for reinvestigation under the FCRA. I request a response within 30 days as required by law. If the inaccurate reporting is not corrected promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's office, and pursue all remedies available under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX Re : Formal Dispute of Inaccurate Account Reporting Account Type : Flexible Spending Credit Card Account Status : Closed on XX/XX/XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information your institution has reported to the credit bureaus regarding a closed Flexible Spending Credit Card account . 

During a recent phone call with your customer service department, I was informed that there is no record of any account associated with my Social Security Number or Date of Birth in your system. This clearly indicated that the account currently reflected on my credit report does not belong to me and is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 US 1682i, I am requesting that you : 1. Immediately remove this inaccurate account from all consumer reporting agencies to which it was reported. 
2. Provide written confirmation that your office has notified XXXX XXXX, and XXXX  of the inaccuracy and requested deletion.

3. Cease any further reporting or collection activities related to this account. 

Additionally, I am requesting all supporting documentation in your possession that verifies this account was ever associated with me. If you are unable to provide documentation proving my responsibility for the account, it must be deleted immediately. 

Failure to correct this error may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. I also reserve the right to take legal action for damages caused by inaccurate credit reporting under the FCRA. 

Please respond to this letter in writing within 30 days of receipt. I am keeping a copy of this letter for my records. 

Sincerely, 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