vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, my phone was stolen in XXXXXXXX XXXX XXXXXXXX, XXXX. Shortly after the theft, an unauthorized XXXX transfer of {$1000.00} was sent from my Bank of America account. I did not authorize, initiate, or benefit from this transfer.

Because my phone was stolen, the thief had physical possession of my device. I immediately lost control of the phone and had no ability to stop or prevent the fraudulent transfer.

I promptly reported the theft to the local police and the unauthorized XXXX transaction to Bank of America. I cooperated fully with their investigation and provided all relevant information. My claim number is XXXX. 

Bank of America denied my claim, stating : Our investigation found that the transaction in question was validated using an authentication code sent to a valid phone number belonging to a signer on the account.

This reasoning does not demonstrate that I authorized the transfer. The thief had my stolen phone, so any authentication code sent to my number was received by the unauthorized party. The presence of my phone number does not prove consumer authorization under Regulation E, especially when the device was stolen.

This was an unauthorized electronic fund transfer caused by the loss/theft of my device.

I reported the incident promptly at the local police station and Bank of America, and took appropriate steps to secure my accounts as soon as I became aware of the theft. Bank of America has not provided evidence showing that I authorized the XXXX transfer, even though the burden of proof under Regulation E rests with the financial institutionnot the consumer.

Despite these facts, Bank of America improperly has held me financially liable for a transaction completed by a third party who stole my device.

What I want : I am requesting CFPB assistance to ensure that Bank of America : 1. Conducts a full and proper reinvestigation of the claim under Regulation E.

2. Provides reimbursement for the unauthorized {$1000.00} XXXX transfer.

3. Provides a detailed written explanation of how their denial complies with federal consumer protection requirements, given that the transaction occurred after my phone was stolen and was authorized only by someone using my stolen device.

Thank you for your assistance in resolving this matter. This incident has caused significant financial and emotional hardship, and I am simply requesting the protections afforded to consumers under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Robinhood took {$980.00} out of my bank account on XXXX without me authorizing it. I filled out a check request form to get this money back. The total in the Robinhood account is {$990.00}. I have tried contacting them but they have closed my account and will not talk to me. I just want them to send my money back since they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i made multiple payments with the same account ive used for years and my both credit cards are now restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NJ

Complaint narrative:
i received a email from XXXX  this morning " XX/XX/year> '' about a new opened account with " Chime Financial ''. And i looked at the XXXX XXXX, it shows the account was opened at XX/XX/year>. I contacted with Chime about someone used my information opening a Chime account. I already freeze my credit report from XXXX major credit bureaus at early this year. How could Chime open a account without my permission and credit reports? Please stop Chime doing those illegal thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I do not recognize this account, and it has been reported incorrectly on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law.

1. I was never late on the payment and here i can see 30 days late payment being reported. 
XXXX XXXX XXXX  Account Number : XXXX Please correct/update this account from my credit report

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 2025-12-21 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry 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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am a long-term customer with an excellent payment history. In XXXX, I paid my full balance of {$1100.00}. Immediately after, Synchrony Bank slashed my credit limit to {$180.00} without notice. This practice, known as 'balance chasing, ' is predatory and penalizes responsible consumers. When I called to resolve this, the customer service was unhelpful and refused a manual review. They stated the only action I could take was appeal by mail. This reduction has unfairly spiked my credit utilization and damaged my credit score despite my responsible behavior.

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 2025-12-21 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: OH

Complaint narrative:
A charged-off credit card account reported as XXXXXXXX XXXX continues to appear on my credit report. 

On XX/XX/year>, I sent a written Method of Verification request to Experian credit reporting company pursuant to the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 7 ) ). The purpose of this request was to obtain a description of the procedure used to verify the accuracy and completeness of this account.

This account was closed prior to the alleged delinquency and charge-off, which requires manual verification and supporting documentation. Despite this written request, the credit reporting company did not respond and did not provide any of the required information, including : The procedure used to verify the account The source or furnisher that verified the information Any documentation supporting the reported delinquency or charge-off Any evidence of manual verification More than the legally allowed timeframe has passed without a response. As a result, the account remains unverified, yet it continues to be reported on my credit file. 

I am requesting that this inaccurate and unverifiable account be deleted from my credit report, as required under FCRA 611 and 623.

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year>, I received an update to my credit report that a collection had been added to my account. When I checked my credit report, XXXX had added a debt with no information. I also did not receive any written, verbal, or electronic notice about a debt in my name or that my credit would be impacted. I also did not receive any validation of debt or original loan docs from XXXX. I disputed through XXXX  and the next day I received an update. XXXX said this was for a debt from Affirm. 
Today, XX/XX/year>, I received a statement from Affirm for my loan and to make my loan payments. My account is still active at Affirm and they are trying to collect the debt at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-12-21 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am filing a formal complaint regarding Synchrony Bank 's handling of my CareCredit account and its denial of my claim without a reasonable investigation. 

On XX/XX/year>, Synchrony Bank issued a " Claim Review Completed '' letter denying my claim based on generalized statements that I authorized or benefited from the purchased that the account had been open for more than 12 months, and that payments had been made on the account.

These statements do not address the specific billing dispute and do not demonstrate the Synchrony conducted a reasonable investigation as required under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

Payments made on an account or the age of an account do not by themselves, constitute authorization of disputed charges nor do they eliminate a consumer 's right to dispute billing errors or unauthorized or improper charges.

Synchrony failed to [ provide documentation, transactional proof, or a detailed explanation supporting it's conclusion. As a result, inaccurate information may be reported or remain on my credit file, causing financial harm.

I am requesting that Synchrony : 1. Conduct a proper and documented investigation of the disputed charges.

2. Correct or remove any inaccurate credit reporting.

3. Provide written verification of the investigation findings.

4. Cease any adverse or misleading reporting related to this matter.

I am requesting CFPB assistance to ensure compliance with federal consumer protection laws.

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 2025-12-21 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: MA

Complaint narrative:
Equifax is reporting inaccurate and contradictory information for the same XXXX account. 

Equifax shows the original XXXX account ( account ending XXXX XXXX XXXX XXXX ) as closed with a {$0.00} balance and pays as agreed. However, Equifax is also reporting a separate collection account by XXXX XXXX XXXX for the same account number and original creditor, with a claimed balance of {$100.00}. 

This constitutes duplicate and misleading reporting, as the same debt can not simultaneously be closed, paid as agreed with a {$0.00} balance, and also be an open collection. This violates 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681c ( misleading information ). 

Equifax failed its duty to reasonably investigate and reconcile these conflicting tradelines. Reporting both is materially inaccurate and harmful. 

I am requesting immediate deletion of the XXXX XXXX XXXX collection tradeline from my Equifax credit report, or alternatively deletion of all inaccurate reporting related to this account. 

Please provide written confirmation of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
There has been late payments record to all XXXX  of the major credit bureaus showing late payments, I am requesting Bank statements from Usaa bank account showing when the payments was received if not able to provide this information I am requesting for the credit report to be mark as paid as agreed never late for the months you have provide to the credit bureaus as late.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I opened a credit building account with XXXX after being explicitly told that there would be no bills or owed money ( as I am using my own money. ) However, I continuously got emails and notifications about a due bill, which started to drop my credit score. When I contacted customer service, I first had to deal with unhelpful robots, and then the real person told me that what I was describing wasn't happening and wasn't true. So I decided to just close the account. I called XXXX  and went through several people who said they couldn't cancel my account, I eventually got to some kind of CEO that kept dodging cancellation. The call ended with the most baffling thing ever. He asked if I REALLY wanted to cancel, when I said yes, he HUNG UP ON ME. I want to add that I very patient and polite given the situation, I am appalled by this. And as of today, my credit score has dropped XXXX points. I tried to dispute through the credit union, and nothing came of it.

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 2025-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PACIFIC SOUTHWEST NOTE FUND, LLC
State: CA

Complaint narrative:
I have {$33000.00} deposited with this company, which I'm paid monthly interest. In XXXX they stopped paying interest. On XX/XX/year>XXXX  I requested my investment to be returned to me. I was told that they have paused any distributions or redemptions.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-21 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: IA

Complaint narrative:
XXXX today XXXX am tried to transfer from one account to another it failed and money is gone .. oh and so many more problems. Like how does a transaction get out in hold with the wrong cvv?????!!!! This is XXXX and y'all ain't done XXXX this is the second time I have had to say something..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: NC

Complaint narrative:
XXXX XXXX  issued me a Form 1099-C for the XXXX tax year stating that my credit card debt was canceled. The identifiable event date listed on the XXXX is XX/XX/XXXX, with an amount of debt discharged of {$3700.00}. 

Despite canceling the debt and reporting it to the IRS, XXXX XXXX  continues to report a balance owed on my credit reports and has sent account balance statements instead of correcting the balance to {$0.00}. 

I have disputed this directly with XXXX XXXX  and provided the XXXX as proof that the debt was canceled. XXXX has refused to update the account to reflect a XXXX balance. 

Reporting a balance on a debt that has been canceled and reported to the IRS is inaccurate credit reporting under the Fair Credit Reporting Act. XXXX can not treat the debt as canceled for tax purposes while simultaneously representing that I still owe the balance. 

I am requesting that XXXX XXXX  correct the balance to {$0.00} with all credit reporting agencies and ensure the account is accurately reported as canceled/charged off with no amount due. 

As of XX/XX/XXXX, XXXX XXXX is still reporting a {$3700.00} balance on this closed account, showing XXXX  % utilization and continued delinquency history. This reporting is occurring after XXXX issued a Form 1099-C for the same amount, canceling the debt effective XX/XX/XXXX. 

Continuing to report a balance, utilization, and late payment activity on a canceled debt is factually inaccurate and materially harmful. Once the debt was canceled, there is no amount legally owed and no basis to report ongoing delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank Delaware has acknowledged that I was enrolled in a Long Term Assistance Program and that the program was terminated. However they failed to properly notify me in a reasonable and timely manner before terminating the program and allowing interest and fees to accumulate. I relied on this program to manage my account. Ending the program without ensuring I received notice created financial harm and a significant credit score drop. Barclays is focusing solely on internal accuracy while ignoring the unfair impact of their actions. Under the Fair Credit Reporting Act, furnishers must not only report accurately but must also follow reasonable procedures to ensure fairness and integrity of consumer information. Reporting negative changes caused by an undisclosed program termination is misleading and harmful. 

Barclays also claims letters were mailed. I dispute receipt of proper notice prior to the termination taking effect. No reasonable opportunity was given to cure or continue the program before damage occurred. This resulted in interest charges and negative reporting that would not have occurred had proper notice been provided.

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