vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX - XXXX i am writing to you regarding the above acct which is unknown to me and i need this investigated and i am bringing this to you because i am tired if trying ti deal with this with the credit bureaus and the creditors so now i need your help i know this is a violation of my rights as a consumer and i know this is not mine. 

if you revise my credit reports you will see what i am talking about and how they are reporting incorrectly and also how they are the only bureau to report it and i am talking about transunion

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I WOKE UP FOR WORK TO CHECK MY ACCOUNT I HAVE CHIME AND SOMEONE TOOK {$160.00} OFF MY CHIME ACCOUNT PLUS THE SPOT ME SO A TOTAL OF {$220.00} AND CHIME HAVE DENIED MY CLAIM I SENT PROOF AND EVERYTHING AND STILL DENIED I DONT KNOW AN EARNEST OR ANYONE BY THAT NAME AND I HAVE PROOF WHERE THERE THEY TOOK IT AT MIDNIGHT THE PICTURES OF TEXT SHOW THAT I WAS SLEEPING WHEN MY WOMAN TEXT ME AND I DIDNT REPLY AND THE EMAIL PICTURE SHOWS THAT THEY ACCESSED MY ACCOUNT QUICKLY HERES MY CONTACT FOR ES IN MY PHONE I ONLY HAVE A XXXX LOL I USED IT FOR MY LOTTERY NUMBERS XX/XX/year> THATS IT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding their unjust denial of my dispute claim for a charge related to the purchase of an XXXX  XXXX  for XXXX XXXX XXXX ( also known as the XXXXXXXX XXXX XXXX XXXX ), which I was unable to use due to a government shutdown. 

Summary of the Issue : 1. I purchased an XXXX XXXX for {$80.00}, valid for entrance to federal recreational sites. 
2. Due to a federal government shutdown, the pass was unusable for over 45 days, during which I was unable to access the services for which I paid.

3. I contacted the pass issuer for a refund but was denied, as the pass is labeled Non-Refundable.

4. I then filed a dispute with Bank of America ( claim # XXXX ) on XX/XX/year>, as the merchant failed to provide the service paid for.

5. On [ date if known ], Bank of America denied my claim, stating they were unable to confirm that you were supposed to receive something different than what you received. This reasoning ignores the fact that I received no service at all during the shutdown period.

Why This Is Unfair : The pass issuer did not fulfill its service obligation during the shutdown, yet Bank of America did not acknowledge this as a valid reason for a chargeback.

The banks decision appears to rely solely on whether the merchant delivered the physical pass, rather than whether the service was rendered as agreed.

I provided documentation ( attached ) showing the pass validity period and the government shutdown dates, which should support my claim that services were not provided.

What I Am Requesting : A reversal of Bank of Americas decision and approval of my dispute for {$80.00}.

An investigation into Bank of Americas dispute resolution process, which seems to disregard service non-performance in cases of government-related service interruptions.

Assurance that my credit report is not negatively impacted by this unresolved dispute.

I believe Bank of America has failed to properly investigate this dispute and has not upheld my rights as a consumer under the Fair Credit Billing Act. I seek a fair resolution and appreciate your assistance in this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: TX

Complaint narrative:
I don't know if someone opened an account under my name all i know is that there was an inquiry made in 2022 in my name im just trying to figure out what it is i know i have a few investments i don't know ive contacted the bank and they will respond period

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year>, someone used my Citi Bank Credit Card account to initiate a balance transfer to their XXXX XXXX  and their XXXX XXXX account. On XX/XX/year>, I discovered the charges and fees which totaled XXXX and called Citi Bank credit card services to dispute the charges. At their suggestion I cancelled the credit card account, and they issued me another card. On XX/XX/year>, I noticed that Citi Bank credit card services had pulled XXXX from my attached payment account without my authorization and in violation of Regulation Z. On XX/XX/XXXX I called Citi Bank customer service to request the funds be put back into my checking account but as of XX/XX/XXXX I have not received the funds, nor have I received any further communication from them. My understanding is that when there is fraudulent activity on your account and you report it the disputed amounts should not be removed from your checking account without authorization, and I am asking for the return of 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 monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I was put under forced placement until they figured out how to read a commercial policy that covered multiple properties. The forced placement amount was put to my escrow account and I was told it wouldn't be credited to my account until next year. In the interim, they are claiming I have a shortage in my account and increasing my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XXXX  was my lender since XXXX my payments has not been processed correctly. 
My loans were transferred over to Aidvantage and I really dont know why but if this can be checked into I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
XXXX : Authorized user of Sofi Credit Card authorized the purchase of entrance tickets for the XXXX XXXX XXXXXXXX from a website ( XXXX  that was deliberately misrepresenting itself as the official XXXX XXXX XXXX  website. The XXXX tickets purchased totaled {$220.00}. 

XXXX : Within hours, I questioned the price of the tickets, investigated the website my partner purchased the tickets from, and determined that it was a scam website. All communication regarding these scam tickets made it clear that there are no refunds or cancelations. A quick XXXX search of this company " XXXX XXXX  '' quickly revealed that other people had fallen for this same scam companies overpriced tickets. I then called the Sofi dispute hotline and requested the charge be canceled. They informed me that because the charge was still pending, they couldn't do anything about it yet and instructed me to call them back. 

XXXX : No trusting the scam company to actually deliver tickets. I purchased entrance tickets for the XXXX XXXX XXXX from the official XXXX XXXX XXXX website for {$97.00}. Merchant location on charge is XXXX XXXX, XXXX. 

XXXX : The charge finally changed from pending to posted, at which point I called the Sofi dispute hotline back and reported the charge as fraudulent. I answered the questions they had and they did not request any other evidence. They told me it could take up to 90 days to investigate and that they'd reach out if they had any other questions. Also important to note that the scam charge merchant location is XXXX, DE. 

XXXX : Received letter from Sofi informing me that the case had been closed and the charge had been deemed valid. The listed reason was " Unable to substantiate the claim with the current information, no new documentation or information received by the requested date. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NV

Complaint narrative:
DEAR SIR/MADAM, I am a consumer attempting to fix my credit. I have reviewed my credit report and found several discrepancies that I am requesting be addressed. Below are the accounts that are currently in dispute : INQUIRIES XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
I previously disputed the following inaccurate, unauthorized, and unverifiable inquiries, yet you have failed to remove, verify, or properly investigate them : XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX This is your final opportunity to resolve this matter outside of court. Remove these inquiries and provide confirmation within 5 business days.

Failure to act will result in a formal lawsuit being filed against your agency.

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 2025-12-02 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: Applied Data Finance, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report : Charged-Off Accounts EQ : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries EQ : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: ID

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-02 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: MD

Complaint narrative:
I am a victim of identity theft, and my personal information was compromised as a result of a data breach specifically the Equifax data breach, which exposed sensitive personal data including my Social Security number, address, and financial identity. Since then, unauthorized accounts and hard inquiries have appeared on my credit report without my knowledge or consent. I did not apply for credit or authorize any of these actions. I have submitted a valid FTC Identity Theft Report, government-issued ID, proof of address, and a written statement identifying the fraudulent items, in compliance with FCRA Section 605B. Despite this, Equifax and Experian has refused to block or remove the fraudulent inquiries and accounts, violating their legal obligation to delete identity theft-related information within 4 business days under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit report across the three major credit bureaus : Equifax ( EQ )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The following accounts are being disputed due to incorrect reporting, including outdated information, missing details, or discrepancies between the reporting bureaus. Kindly investigate the following accounts and provide a resolution according to the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX  XXXX - XXXX : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have not received the VOD. I have no knowledge of these debts that are reporting on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-12-02 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation