vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I Submitted a Chat Request With Chime, A Prominent Banking And Credit Builder organization to cancel my request to close the Chime Checking Account. The Chat Representative was Deliberately Contentious And Racially Discriminatory and would not provide the service, while implicitly blocking my eligibility for Cash Reward Redemption. Following this incident, a Baragge Of Information Technology Incoherencies resulting in Disqualification From Surveys Illegally and remote connectivity that she is going to block my eligibility. I was at least able to have another Report cancel the account closure. However the Representative remains Stubbornly Persistent in XXXX Discrimination in spite of advising that I would report Chime for XXXX Discriminatory Practices Violating The Title XXXX And CRA Rules. XXXX XXXX XXXX XXXX Protected War Veteran With Master Degrees in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-20 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XX/XX/XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items withinXX/XX/XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XX/XX/XXXXdays have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-20 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> at about XXXX I went to the ATM located at the Bank of America in XXXX Texas to deposit {$7700.00}. {$700.00} was deposited to my account and the other XXXX was not but was stuck in the ATM. I contacted the bank at the branch the morning of XX/XX/XXXX. The manager was unhelpful, except to give me the number of XXXX to contact them with the ATM number XXXX. She explained that she had no control over the ATM and that I needed to contact them and explain the situation. I contacted the XXXX number that she had given me and they told me that they would have to do an investigation. I would not see my funds until the earliest XX/XX/year>. I spoke with a manager and she said that I would see my funds on Monday, XX/XX/year> as a provisional credit. On Monday, XX/XX/year> when I checked my account. I did not have that {$7000.00} provisional credit in my account. I called the number again. I was sent over to the fraud department where my claim was in review and I was told that I wouldnt not see my money until XX/XX/XXXX again at the earliest. I have respectfully asked the bank to release my funds. I have asked them to escalate the claim. I am a single mother I mean my funds to pay bills. The bank seems to not care. I came into the branch again on XX/XX/year>. And once again they were no help they put me on the phone with the same individuals. That continued to tell me that I will not see my money until XX/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 monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX date XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
In accordance with 15 U.S.C. XXXX ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is show in collection on TransUnion and Experian only Credit card account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is showing late payment history on TransUnion and Experian only Credit card account opened at XX/XX/XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXXthe account is showing late payment history on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is showing late payment history on Experian only collection account opened at XX/XX/XXXXon XX/XX/XXXX account number XXXXXX/XX/XXXX the account is shown in collection on TransUnion and Experian only also showing late payment history on Experian only collection account opened at XX/XX/XXXXon XX/XX/XXXX account number XXXXXX/XX/XXXXhe account is shown in collection on Experian only Credit card account account opened at XXXX on XX/XX/XXXX account number XXXXXX/XX/XXXX the account is showing late payment on XX/XX/XXXX only which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-20 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: OH

Complaint narrative:
I am a victim of identity theft. I have enclosed an approved copy of the police report, a letter with list of identity theft accounts and unknown addresses, along with proof of identity. This is causing extreme financial hardship for me ; I hope and pray that this will finally be corrected. Thank you in advance and feel free to contact me if you need 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 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
My issue is with the company Acima ( XX/XX/XXXX ) Ive paid over {$1700.00} in payments and the item I leased through them is not even that much and they still claim I owe them XXXX more dollars which is absurd to me please help me fix this problem with the please I believe they are over charging for services and then call and harass when Im a day late on a payment to send the police marshals to my home to retrieve my item when I have made over XXXX in payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against JPMorgan Chase Bank , N.A . for discriminatory and unlawful treatment that occurred at their XXXX, California branch located at XXXX XXXX XXXX, XXXX, CA XXXX, on XX/XX/XXXX2025, at approximately XXXXXX/XX/XXXX 
I arrived at the branch with my brother so that we could each open separate accounts. I checked in first to open a savings account, and my brother checked in second to open a checking account. Despite my being first on the list, the branch XXXX, XXXX XXXX XXXX, andXX/XX/XXXX, XXXX XXXX XXXX, ignored me and instead helped a white woman who arrived after us. 
Following that, XXXX XXXX proceeded to open my brothers checking account while continuing to disregard my request to open my own savings account. As a result, I felt humiliated and refused to proceed with opening my account, believing that I would continue to face unequal treatment at this branch. 
When I confronted them, both XXXX XXXX and XXXX XXXX admitted their wrongdoing, apologized, and called it a mistake. However, what occurred was not an innocent error it was a clear act of racial discrimination. 
This conduct violates : XXXX XXXX. XXXX, which guarantees equal rights to make and enforce contracts regardless of race ; and The Unruh Civil Rights Act ( California XXXX XXXX XXXX ), which prohibits businesses from discriminating on the basis of race and guarantees equal access to services. 


Chase Banks employees denied me fair and equal access to financial services based on race. Their behavior not only caused emotional distress and humiliation but also deprived me of an equal opportunity to open and maintain a bank account. 
I am requesting that the CFPB investigate this matter and take appropriate enforcement action against JPMorgan Chase Bank to ensure compliance with federal and state civil rights and consumer protection laws. 
I am specifically requesting : A written acknowledgment from Chase Bank admitting to the discriminatory incident. 


Disciplinary measures against XXXX XXXX and XXXX XXXX. 


A plan demonstrating how Chase will ensure compliance with civil rights laws in all branches. 


Appropriate compensation for the harm and emotional distress caused by this incident. 


I have already notified Chase Banks corporate legal department at their New York headquarters and indicated my intent to escalate this issue if not properly resolved. 
Thank you for your time and attention. Please contact me if you need any further documentation or evidence. 
Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

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 2025-10-20 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$0.00} XXXXXX/XX/XXXXAccount number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XX/XX/XXXXXX/XX/XXXX and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. XXXX ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. XXXX ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX BANK XXXX Account Number XXXX Open Date XX/XX/XXXXXX/XX/XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XX/XX/XXXX and XX/XX/XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
IN XXXX XXXX IN AND FOR XXXX XXXX, FLORIDA Case XXXX Plaintiff XXXX XXXX XXXX  XXXX XXXX DEFENDANT / PLANTIFF WHOSE ADRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX SUM OF XXXX XXXX ON CREDIT REPORT XXXX AS OF XX/XX/year> THIS ACCOUNT IS VERY OLD AGAIST THIS STATE POLICIES I ASK TO HAVE REMOVE FROM CREDIT REPORT AND ALSO CLERK OF COURT IN XXXX XXXX FLORIDA COURT HOUSE XXXX I KEEP GETTING THE RUN AROUND PLEASE HELP ME TO GET THIS OFF MY CREDIT REPORT AND FROM THE COURT HOUSE THEY KEEP CHANGING THE DATE TO KEEP ON MY CREDIT THAT IS AGAINST THE LAW I AM NOT GETTING TREATED FAIRLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the information provided by the furnisher regarding the accounts in question. Specifically, I am referring to the following accounts : Account Name XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX Date opened : XX/XX/year> There are multiple errors in the listing that are damaging to me including, date of late payments, payment status, and a date of last payment. Please update for lawful accuracy by removing all the late payments on this account in my credit report.

Company response to consumer: Closed with explanation