vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I drove to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I deposited XXXX of {$100.00} bills, totaling {$7500.00} in ATM XXXX. 

The machine gave me an error message and kept all of the cash. The reciept printed showed a {$300.00} credit. 

I have called several time to get my case escalated due to the fact that it is a high dollar amount and this is my main bank in which auto and day to day life expenses comes from. 

Everyday I am on the phone for XXXX min- up to XXXX hours to get resolution. They explain that is being reviewed and my escalations are denied to show temporary credit. 

The bank does not give me an update on my escalation request. I have been denied to speak to the department who reviews these claims. 

XXXX XXXX Bank of America customer service hung up on me and extremly snarky with my complaint. Her ID is XXXX. I spoke to XXXX her ID is XXXX and she hung up on me after XXXX hours trying to get help. 

I have several over draft fees and accrued interest that is accumilating because it's taking too long. I need the phone calls to be reviewed and also the ATMS at this location audited. Customer service with the XXXX XXXX is awful and the customer service via phone is awful to me.

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 2025-12-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am following up regarding previously disputed inaccuracies on my credit reports with TransUnion, Experian, and Equifax that remain unresolved. Multiple addresses continue to appear incorrectly or inconsistently, including XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, which appears on only one bureau despite never being a residence of significance, and XXXX XXXX XXXX XXXX XXXX, AR XXXX, which has no connection to me yet is being reported across my files. These inaccurate and mismatched addresses continue to misrepresent my residency, create risks of identity confusion, and negatively impact housing and employment applications. Additionally, previously disputed charge-off accounts remain inaccurate or unverifiable, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$14000.00} ), two XXXX XXXX XXXX XXXX accounts XXXX XXXX, {$9700.00} and XXXX XXXX XXXX XXXX {$8200.00} ), XXXX  Bank charge-offs XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} and XXXXXXXX XXXX XXXX XXXX XXXX {$3800.00} ), and XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$58000.00} ), all of which show missing, inconsistent, or incomplete reporting of balances, dates, and account status across the bureaus. Furthermore, several previously disputed hard inquiries including XXXX Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX remain on one bureau despite removal from others, and were never authorized, violating FCRA 604 ( a ). These unresolved discrepancies continue to undermine my creditworthiness, cause financial stress, and prevent accurate assessment by lenders.

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 2025-12-04 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: AR

Complaint narrative:
I am following up regarding previously disputed inaccuracies on my credit reports with TransUnion, Experian, and Equifax that remain unresolved. Multiple addresses continue to appear incorrectly or inconsistently, including XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, which appears on only one bureau despite never being a residence of significance, and XXXX XXXX XXXX XXXX XXXX, AR XXXX, which has no connection to me yet is being reported across my files. These inaccurate and mismatched addresses continue to misrepresent my residency, create risks of identity confusion, and negatively impact housing and employment applications. Additionally, previously disputed charge-off accounts remain inaccurate or unverifiable, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$14000.00} ), two XXXX XXXX XXXX XXXX accounts XXXX XXXX, {$9700.00} and XXXX XXXX XXXX XXXX {$8200.00} ), XXXX  Bank charge-offs XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} and XXXXXXXX XXXX XXXX XXXX XXXX {$3800.00} ), and XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, {$58000.00} ), all of which show missing, inconsistent, or incomplete reporting of balances, dates, and account status across the bureaus. Furthermore, several previously disputed hard inquiries including XXXX Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX remain on one bureau despite removal from others, and were never authorized, violating FCRA 604 ( a ). These unresolved discrepancies continue to undermine my creditworthiness, cause financial stress, and prevent accurate assessment by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
The furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the CRAs have verified late payments without providing documentation, violating : 15 USC 1681i Failure to conduct a reasonable investigation 15 USC 1681s2 ( b ) Failure to verify before continuing to 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 2025-12-04 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: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, My PayPal account was accessed without my authorization and XXXX fraudulent transactions were made to a company called XXXX XXXX totaling over {$4000.00}. 

I did not approve these transactions. I did not receive any goods or services. PayPal denied my dispute even though XXXX of these were unauthorized ACH withdrawals taken directly from my checking account. 

My bank ( XXXX XXXX  ) reviewed the transactions and confirmed they were fraudulent. They reversed the unauthorized ACH debits. The XXXX  transaction attempted to access my credit card and it was denied. 

Now PayPal is claiming I owe them {$4100.00} and is attempting to collect the money from me. This is incorrect, and I refuse to be held responsible for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NH

Complaint narrative:
So I Bank with Chime and they say on all of they're advertising that they are a fee free bank, but they literally charge for almost everything and not providing correct information about the transactions and fees that they supposedly advertise and I get charged for almost everything. They even have a map that shows where a fee free ATM would be located so I wasted XXXX dollars on a lyft ride just to be disappointed. 
They are scammers and I am going to switch banks because of this. I want my hundreds of dollars of my so called ( fees ) back and they refuse to resolve the issue. Its a scam. Literally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XX/XX/year>, around XXXXXXXX XXXX my Chime account was taken over by an unknown person. During this time, I was locked out of my account and could not access it. While I had no control of my account, the attacker completed 46 unauthorized transactions totaling {$820.00} and sent the money to multiple unknown Chime accounts. I reported the fraud to Chime immediately and provided evidence that my account was compromised, including proof that my account information had been changed without my permission. Despite this, Chime denied my dispute and did not conduct a proper investigation. I am requesting the CFPBs assistance because the transactions were clearly unauthorized, and Chime failed to follow Regulation E requirements to investigate and reimburse unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: DE

Complaint narrative:
Someone got into my chime account and used pay anyone feature to send money {$450.00} to XXXX. I contacted Chime about scam and they told me since it was basically a cash transaction they could not dispute the transaction. So now ai am out {$450.00}. They took the exact amount in my account. Sounds like an inside job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion continues to report information on my credit file that is inaccurate, unverified, and incomplete. I have disputed these items previously, yet TransUnion did not provide proper verification or documentation from the original creditors as required under the Fair Credit Reporting Act ( FCRA ). 

The following items remain unverified : A charge-off account being reported without supporting records from the creditor. No verification or account history has been provided. 

Student loan delinquency reporting that appears inconsistent with deferment periods and payment history. No verification was supplied. 

A XXXX XXXX collection account reported without proof of ownership, contract, or original creditor documentation. 

Because no verification has been provided, I must presume that no proof of the alleged debt, nor authority to collect, exists. Under Engelhardt v. Gravens, courts have recognized that unverified debts can not be presumed valid for credit reporting purposes, and the doctrine of estoppel prevents a creditor or reporting agency from asserting a claim without proper evidence. 

By continuing to report these disputed items without verification, TransUnion is acting in a manner inconsistent with FCRA requirements, and is causing ongoing harm to my credit. 

I request that the CFPB ensure TransUnion either : Provides verifiable documentation from the original creditors OR Permanently deletes all unverified or inaccurate items from my credit report. 

Thank you.

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 2025-12-04 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: AR

Complaint narrative:
I am following up regarding previously disputed inaccuracies, unverifiable accounts, and unauthorized inquiries on my credit report that remain unresolved. The collection account from XXXX XXXX XXXX for XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX Balance {$380.00} ) has never been properly validated under FDCPA 809, yet it continues to appear with inconsistencies that violate FDCPA 807808 and FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ) regarding accurate reporting and proper documentation of the Date of First Delinquency. Additionally, numerous hard inquiries, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX appear on identical or duplicate dates and were never authorized, in violation of FCRA 604 ( a ). has failed to provide proof that these inquiries or the collection account are valid, verified, or legally permissible, and these continuing inaccuracies have negatively impacted my creditworthiness, financial stability, and ability to access credit.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Attached to this complaint is identification documentation for verification of my identity for Experian and Equifax.

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 2025-12-04 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Be advised, this is not a refusal to oay, but a notice sent pursuant to the Fair Debt Collection Practices Act. 1S USC 1692e Sec. 809 ( b ) that XXXX XXXX is disouted and validation is requested. 
This is NOt a request for " veritication or proot of my XXXX address, but a request for VAUDATION made ouruant to the XXXX named XXXX and XXXX XXXX XXXX * your oftice provide me with competent evidence that I have any legal obligation to pay vou Please provide me with the following : What the money you say l owe is for Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owes Provide a verification or copy of any judgment if applicable ; identity the XXXX creditor Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX said axtion might constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against Violation of the Fair Credit Reporting Aet : Violation of the Fair Cheat Collection Practies Act Defamation of Character XXXX davs to investigate this information and durine such time all collection activity must cease Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as If your offices fail to respond to this validation request within 30 days from the date of your receipt, all rererences to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also lise to request, in wrang, that no terepnone conter be made by your ottices to my home, my cell phone or to my place of employment. If your offices attempt telephone communkation with me, including but nos limked to computer generated calls XXXX XXXX sent to any third parties, it will be considered harassment and I will have no choice but to file suit. You also may not communicate with me by e-mail. All future communications with me MuSt be done in writine and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
A delinquent XXXX XXXX XXXX  account was reported on my TransUnion credit file in XXXX XXXX  showing a balance of {$590.00}, with last payment reported on XX/XX/year> and status listed as Account 30+ Days Past Due. I am not the primary account holder on this XXXX account ; I was only added as an authorized user many years ago. Authorized users are not legally responsible for payments, and negative payment history should not be reported for authorized users under the FCRA. 

I contacted XXXX on XX/XX/year>, but they stated they could not assist me without the full account number or the primary account holders Social Security number, which I do not have. I then attempted to dispute the account with TransUnion on the same date, but online disputes were unavailable and the system also could not verify my identity, preventing me from submitting a dispute. 

Because I am not liable for this account and can not access TransUnions dispute process, I am requesting that the delinquent authorized-user account be removed from my TransUnion 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 2025-12-04 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: CA

Complaint narrative:
I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX 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
Consumer complaint received 2025-12-04 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: IN

Complaint narrative:
Recently I have looked at my most recent credit report and noticed various inaccuracies on my account .This is drastically lowering my chances to obtain new credit. It is to my knowledge that you will investigate these items for me to insure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-04 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: AR

Complaint narrative:
I am following up regarding previously disputed inaccurate, conflicting, and unverified accounts appearing on my credit reports with TransUnion, Experian, and Equifax that remain unresolved. The reports continue to show XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, with a reported balance of {$10000.00}, a last payment of XX/XX/XXXX, and a XXXX late payment notation. This account contains inconsistent dates, missing or unverified Dates of First Delinquency, erroneous late payment codes, and reporting practices that misrepresent my actual payment history and account status, violating the FCRA, FDCPA, and the Fair Credit Billing Act. These unresolved inaccuracies continue to cause stress, confusion, and potential financial harm.

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 2025-12-04 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtainn credit. It is my understanding you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation