vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Under the FCRA section 611 I have the right to dispute any information or accounts that I have no knowledge of or do not recognize I did not authorize these hard inquiries on my credit report I was not applying for any credit please remove all these hard inquiries off my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They sent me an email on XX/XX/year> stating my accounts will be closing due to too many XXXX received by unknown recipients. I called to speak to a representative regarding a direct deposit received through an account. They stated I would be able to withdraw my direct deposit after it has posted to my account. I called XXXX everyone stated the same thing that I could withdraw the funds once posted. I went into the branch and they stated they could not remove the funds, due to a hold. I called the device number again and once again they stated I could withdraw funds. I went back into the bank and they called once again and approved the withdrawal of fund but then said I needed to go on a business day. I was not able to withdraw my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
It started with me getting multiple text notifications through a previous messaging conversation I had with USAA. The messages stated that a transaction was being carried out somewhere in the UK for a total amount of {$31.00} and some change. I dont remember the exact price it was, but I had more than 8 notifications pop up in the span of a few seconds. 
What felt like a few minutes I got a call from a ( XXXX ) XXXX. I dont remember what USAAs phone number is completely, but I do know it starts with XXXX so I picked up the phone thinking it was USAA XXXX The gentleman on the line introduced himself in a soft American accent that he was with the USAA fraud department and that they have flagged my account for the transactions I had gotten just moments ago. He also did the same verification that USAA does by asking me for my first and last name, my pin, and then asked for a verification code. 
At this point I was convinced that I was in fact talking to USAA. Up to this point not only did they use prior messaging chats I have had with USAA, used the same area code, and followed the same procedure that USAA does. After him reviewing my account information with me he stated that he wanted to figure out how these scammers got my information. So, after reviewing my cyber security practices he re-set my password for my USAA account and said that he needed me to log out of my USAA App and stay logged out and he will send me 3 messages. He stated that I need to reply Y, Z and X to the messages. When I got the first message I responded with Y, but I read the message, and it was the approval for moving a total {$25000.00} from my savings account to my checking account. I instantly logged back into my USAA app and saw the {$25000.00} move from my savings account to my checking account and then three transactions popped up. XXXX for {$11000.00} to company that sells ladies swim suites ( I am a XXXX man ) another for $ XXXX and another for $ XXXX. I hung up the phone, and he proceeded to call me 11 times in a row back-to-back. And thats when I got on the phone with USAA told them what happened, and they explained to me that they spoofed XXXX phone number and thats how they got me. These transactions are in fact fraudulent, these scammers were good and had me fooled. 

I have tried to open this claim three times and each time USAA says that its not a fraudulent claim and that I did it on my own. They said that there is no sign of account takeover and anything else. 

The dispute number is XXXX thourgh USAA.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue with fraud response on my checking account. 

I am submitting this formal complaint regarding Bank of Americas failure to resolve a fraud claim I initiated on XX/XX/XXXX, concerning a stolen and fraudulently deposited check in the amount of {$3000.00} ( altered payee ). Despite multiple follow-ups and assurances from the banks representatives, the matter remains unresolved XXXX months later. 
The incident involved XXXX mortgage checks stolen from my mailbox in XX/XX/XXXX. I promptly reported both to Bank of Americas XXXX department : The first claim ( for {$2500.00} ) was submitted on XX/XX/XXXX and resolved on XX/XX/XXXX. 
The second claim ( for {$3000.00} ) was submitted on XX/XX/XXXX. Due to a misunderstanding, both claims were initially submitted on the same form. I was advised to resubmit the second claim separately, which I did on XX/XX/XXXX. 
Since then, I have contacted Bank of America on at least XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Berten ), XX/XX/XXXX ( XXXX and his supervisor, XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). Each time, I was told the documentation was complete and the claim would be resubmitted. However, no action has been taken. I escalated the issue to XXXX XXXX XXXX, Chairman of the Board/CEO and his Client Care XXXX XXXX XXXX XXXX XXXX XXXX, Retail Banking and Chief Client Care XXXX via email on XX/XX/XXXX. On XX/XX/XXXX, I received a call from representative XXXX XXXX from the XXXX XXXX, due to my email complaint, who again confirmed the paperwork was in order and promised to escalate the issue. 
This prolonged delay and lack of resolution have caused significant financial and emotional distress. I have been a Bank of America customer since XXXX and have nearly 40 years of experience in the banking industry. I find this level of service unacceptable and inconsistent with regulatory standards for fraud resolution and consumer protection. 
I respectfully request that your agency investigate Bank of Americas handling of this claim and take appropriate action to ensure the matter is resolved promptly. I am also seeking guidance on any additional steps I may take to recover the funds and hold the institution accountable.

If at any time that Bank of America resolves this issue, I will update you accordingly. Thank you for your attention to this matter.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting an inaccurate XXXX account that does not appear on my XXXX or XXXX reports. The account contains incomplete and contradictory information, listed as both Open and Collection, and falsely states its not disputed. Im requesting the CFPBs help to have this unverifiable account deleted for violating FCRA 607 ( b ), 611 ( a ), and 623 ( b ). I feel like I am being taken advantage of and being ignored of my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting an investigation into the XXXX XXXX account showing as a charge-off with a balance of {$710.00}. I have never received an IRS Form 1099-C, nor has XXXX provided any documentation to validate the reported charge-off. If the account was settled, forgiven, or canceled, they are legally obligated to report it accurately and issue proper tax documentation. I am requesting verification of the debt and proof of charge-off status or immediate removal of the negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting an investigation into the XXXX XXXX account showing as a charge-off with a balance of {$710.00}. I have never received an IRS Form 1099-C, nor has XXXX provided any documentation to validate the reported charge-off. If the account was settled, forgiven, or canceled, they are legally obligated to report it accurately and issue proper tax documentation. I am requesting verification of the debt and proof of charge-off status or immediate removal of the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
BHG financial granted us a loan to complete our house remodel, however, the terms of the loan have become a hardship and we are currently XXXX payments behind with no clear path forward to catch up. The interest assigned to this {$60000.00} loan is 12 %. According to the amoritization schedule, BHG will stand to make more in interest payments that the original loan amount. Furthermore, the BHG website does not provide clear visibility to the original loan documents or methods of payment. Consumers who do business with BHG are forced to link a checking account for automatic payment withdrawls. We experienced a security issue with our financial institution responsible for the automatic payments which caused us to become behind with the payments. The BHG website does not provide consumers with another method of payment except for a checking account that is linked for automatic payments with a voided check for routing and account numbers.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
Gift card company is scamming customers out of money. Purchases are being made through XXXX to receive these gift cards and when you call them to register the card they take the money off of customers cards and block the numbers from the website. I purchased ( XXXX ) XXXX gift cards and when I called to register them they said I was good to go. The next day when I tried to use the cards it was declined and the money was gone and said it was used or XXXX XXXX which is an online betting that is not even available in my state. When I called the company they said an investigation would be done and it could take 30/60 or 90 days. When I hung up I immediately got an email saying the complaint was resolved and to see comments. The comments said thanks for allowing us to assist you. Now when you try to lookup the numbers online to see transaction history it says there is an " error '' please try again like they wiped the card numbers out of the system. XXXX has over XXXX complaints about this card company saying the same thing is happening to them. The website is XXXX XXXX XXXX  even the XXXX logo is fake in the upper left hand corner because XXXX is never lowercase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I contacted Default Resolution Group because my student loan was put into default status. The XX/XX/XXXXinformed me that it takes 270 days after a student loan goes into repayment status before it can be put into default status. 
XXXX informed me that my student loan went into repayment status XX/XX/XXXX and defaulted XX/XX/XXXX. My student loan was defaulted in less than than the required 270 days and the default date of XX/XX/XXXX violates the Cares Act which postponed loan payments from XXXX to XX/XX/XXXX. 
XXXX also advised me that ECSI transfer the loan to them on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

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. 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 2025-11-01 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and XXXX  for the mishandling of my credit freezes, which were lifted without my consent, leaving me exposed to identity theft. Despite following all the correct procedures to freeze my credit reports, I have encountered numerous issues, including : Failure to Maintain Credit Freezes : My credit reports were unfrozen without my authorization, despite having frozen them to protect my information. These unauthorized actions have exposed me to significant risks of fraud. 

Multiple Data Breaches and Negligence : After receiving breach notifications from XXXX, stating that my Personally Identifiable Information ( PII ) had been compromised, I took all necessary steps to protect my credit. However, the freezes were either removed or never properly re-established. This ongoing mishandling of my personal data has contributed to my frustration and increased exposure to fraud. 

Inaccurate Information on My Credit Reports : There are erroneous entries on my reports, such as incorrect late payment information ( e.g., XXXX  XXXX 30-60 days late ), accounts listed as opened incorrectly, and incorrect addresses. These errors have already been reported to the CFPB in an earlier filing against XXXX XXXX, which also highlights ongoing issues with those companies. Additionally, the credit bureaus have failed to correct these discrepancies, further damaging my credit profile. 

Failure to Properly Investigate : When I contacted the credit bureaus, I was given conflicting or inaccurate information regarding the status of my credit freezes and the breaches. Their automated systems and customer service representatives were unhelpful and did not resolve the issue or properly restore my freeze. This lack of assistance has left me feeling powerless and vulnerable. 

Harassment and Emotional Distress : The repeated negligence and failure to properly protect my personal information have resulted in significant time, financial costs, and emotional distress. Ive had to repeatedly invest time and resources to verify, freeze, and monitor my credit, which should not be necessary if the bureaus had acted responsibly in the first place. 

Information Shared Without My Consent : It was brought to my attention that information from all three credit bureaus was accessed by an individual named Art from the XXXX XXXX XXXX XXXX. This individual communicated that he was able to retrieve my credit reports from all three bureaus after they were unfrozen without my authorization. This breach of my information is deeply troubling. 

Preclusion from Accessing My Own Credit Reports : I have repeatedly attempted to retrieve my credit reports via XXXX and the individual credit reporting agencies ' websites. However, my attempts have been unsuccessful, further hindering my ability to monitor and protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank ( LightStream ) denied my installment-loan application ( Reference ID XXXX ) for existence of a secured credit card. 
I have a XXXX XXXX  score, {$3300.00} total revolving credit with low utilization, and {$600000.00} verified income. Denial is arbitrary and violates ECOA 1691 and FCRA 1681m. Attached letter to creditor will be mailed on 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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX date of claim denied Date filed Claim on XX/XX/XXXX Subject : Rebuttal Request for Denied Dispute on XX/XX/XXXX Case # XXXX To Whom It May Concern, I am writing to formally dispute the decision to deny my claim under Dispute # XXXX regarding the unauthorized transactions on my Chime account. I respectfully request a reconsideration and full reimbursement of the disputed amounts. this was denied on XX/XX/XXXX XXXX No investigation was ever done. fix it The following transactions were not authorized by me, nor were they made by any person with my permission or knowledge : XXXX XXXX * XXXX XXXX {$20.00} on XX/XX/XXXX XXXX * Avant {$29.00} on XX/XX/XXXX XXXX XXXX * XXXX XXXX T {$16.00} on XX/XX/XXXX XXXX XXXX * XXXX XXXX XXXX XXXX {$100.00} on XX/XX/XXXX These transactions appeared without my consent. I did not place any orders, create subscriptions, or authorize any charges with these merchants during that time. Additionally, I have already verified that no family members or authorized users had access to my account. 

Under Regulation E ( 12 CFR 1005 ), I am entitled to protection and reimbursement for unauthorized electronic fund transfers, provided timely notice was given which I did by filing the dispute promptly after discovering the charges. 

I am requesting : A full re-investigation of my claim. 

A written explanation detailing the evidence or documentation used to deny my claim. 
provide a notarized signed statement of facts from each merchant XXXX provisional credit pending the outcome of the reinvestigation, as required under Regulation XXXX. 

Please confirm receipt of this rebuttal copy sent to regulators, Consumer financial protection bureau, Federal trade commission, FDIC. for review.... 

Thank you for your time and prompt attention to this matter. I look forward to your response and a fair resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Chime debit Account XXXX ending in XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation