vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Exodus Movement, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at approximately XXXX EST I initiated a swap of XXXX bitcoin for XXXX on my XXXX XXXX. On XX/XX/XXXX at XXXX the platform updated the status of my transaction as failed. 

I then reached out to XXXX  through the application at XXXX. 

XXXX first replied acknowledging receipt on XX/XX/XXXX at XXXX, also requesting any details and transaction id for the issue. I replied at XXXX on XX/XX/year> with the XXXX transaction ID : XXXX XXXX  informed me that my transaction was sent to a third party vendor XXXX XXXX , & advised me contact them directly for an update at : XXXX XXXX XXXX began requesting XXXX verification which I obliged, and began requesting information to verify my source of funding for my transaction.

I have yet to have my transaction processed or have my bitcoin returned. XXXX XXXX Is based in XXXX, XXXX is a U.S. company listed on the XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
In XX/XX/year>, XXXX, through XXXX, applied charges to my account that were higher than what I originally agreed to and used. I noticed the overcharges about four months later and immediately disabled autopay through my bank and disputed the charges with both companies. XXXX has cut off all home security system features and monitoring services, claiming payment is due, but they never provided a written statement or invoiceall communication about the amount owed has been through their automated phone system or verbally. I provided evidence of my dispute and requested resolution directly with the companies, but they refused to correct the charges or restore services. I am requesting removal of the fraudulent charges, restoration of all services, and confirmation that my account is corrected. Since I started the dispute with CFPB they have deactivated some of my service on XX/XX/year> & today on XX/XX/year> my service was fully deactivated as retaliation and I had a message that they would love to have me back as a customer. They called and left voice messages arguing about what they have done. Today, I had an interaction with an XXXX agent, where I simply asked them if they would pause charging me during the dispute process. During the call, the agent, XXXX XXXX, employee ID XXXX, hung up on me.

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 2025-12-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Company Name : Chime Financial , Inc.

Product : Checking account / Deposit account Issue : Account frozen and closed ; funds withheld ; alleged agreement violation Amount in Dispute : {$1700.00} Complaint Description : On XX/XX/XXXX, I contacted Chime Financial , Inc. after discovering that my account had been frozen. During this call, I requested an explanation for the restriction ; however, the representative was unable to provide any reason or details regarding why my account had been frozen. 

On XX/XX/XXXX, I received an email notification stating that my account had been closed. Immediately after receiving this notice, I contacted Chime customer service and was informed only that the account was closed due to an alleged violation of Chimes Sign Agreement. No specific violation, evidence, or supporting details were provided.

At the time my account was closed, it contained approximately {$1700.00}, consisting entirely of legitimate payroll deposits from my employers. I have pay stubs and documentation available for download to verify the lawful source of these funds. Despite this, Chime has stated that I am not eligible for a refund, even though the funds were not fraudulent
. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted Chime multiple times and spoke with three different customer service representatives. None were able to explain the basis for the account freeze or closure, identify the alleged agreement violation, provide a dispute process, or explain how my funds could be recovered. 

On XX/XX/XXXX, I contacted Chime again and requested to speak with a supervisor. After repeated requests, I was eventually transferred to a supervisor ; however, I still did not receive any resolution or guidance on how to recover my {$1700.00}. The supervisor was also unable to explain the alleged violation or provide a process for disputing the decision or releasing my legitimate funds.

At no point was I provided with written notice detailing the specific agreement violation, nor was I given a meaningful opportunity to submit documentation or challenge Chimes determination. Chime has withheld my legitimate funds without transparency or due process.

Resolution Requested :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consen
t.

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 2025-12-16 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I had taken out a loan for dental care. This loan consisted of several years of payments. When I made my last payment, I called the company to ensure i did not owe anything else. This was in XXXX. I spoke to a lady who informed me that my loan was paid in full and I did not owe anything else. XXXX comes and I receive a text saying my payment is past due. I call the company, they inform me that I missed a payment the year prior and it was a late fee, mind you, when I pay via the automated system it always says payment of $ XXXX including a late fee of {$0.00}. Not once did I miss a payment. I was never informed of a missed payment. After several hours on the phone, a supervisor is looking through my account and specifically says, the payment in question went through so he was unsure what the charge was for. He asked me to call back in a couple days. I have since been unable to reach them. They refuse to send me documents claiming i owe the {$50.00}. They reported it on my credit and has since caused my credit to plummet over XXXX points. At this point, if they can not make it right, we may have to go to court over the {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
My accounts at TD bank were under review as of XXXX XXXX. On XX/XX/XXXX, I received a letter my company and personal accounts would be closed in 14 days, but I could close them sooner. I came to branch to close my accounts and they said I could not even with letter stating I could! On XX/XX/XXXX, I received letters for both accounts closing and I could go to branch to complete closing and receive my funds. I requested cash and she said they dont have cash. She said I had to wait for an expedited release even though letters stated specifically onto the branch to close my accounts and receive funds branch manager said she would not call to expedite process. Not leaving here without my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TN

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 XXXX 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 you have 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 XXXX 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 2025-12-16 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: ID

Complaint narrative:
THIS LATE PAYMENT DOES NOT ACCURATELY REFLECT MY ACCOUNT.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
I am submitting this complaint regarding a debt collection attempt related to a disputed dental charge. 
I was seen as a new patient for an emergency dental visit. Prior to being seen, I signed a standard financial responsibility form. However, after I was examined and while I was in the treatment room, the dentist informed me verbally that I would not be charged for the visit. I relied on this representation when proceeding with care. No treatment plan, itemized charges, or disclosure of costs was provided to me after this statement. 
Despite this, I later received billing statements from the dental office. I disputed the charges directly with the provider. Instead of resolving the dispute, the dental office turned the account over to a debt collection agency. 
The debt collector has attempted to validate the debt by providing internal summaries and clinical notes, but has not provided documentation showing informed financial consent, agreement to charges after the dentists verbal waiver, or agreement to late fees. The collector is now asserting that part of the care is chargeable while stating that another portion is not, which does not reflect what was communicated to me at the time of treatment. 
Additionally, the collector has applied a late fee to a balance that has been actively disputed, without providing proof that I agreed to such fees or that they were properly disclosed. 
I believe the debt collector is attempting to collect an amount that is not owed and is misrepresenting the validity and amount of the debt. I am requesting that the CFPB require the debt collector to cease collection activity, correct any reporting, and ensure compliance with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TN

Complaint narrative:
wrote : XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Regarding case number internal XXXX. Your office is showing this account is still reporting open and has a balance to XXXX. Please note that all other credit reporting agencies except for XXXX are reporting correctly. I have called. Ive sent emails asking for this to be corrected and they all been ignored. This account has been paid off has a zero balance and should be reported as such. Please review the screenshot taken directly from XXXX 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XXXX or XXXXXXXX XXXX someone opened an account with Chime in my name. I had never heard of Chime prior to unsolicited emails arriving that announced that I had an account with Chime. 

I contacted Chime and they sent email stating : XXXX [ XXXX ], Thank you for reaching out to Chime. We have reviewed the information that you provided and have taken appropriate action to stop any further activity if any unauthorized accounts were identified. 

Although we are limited in the information we can share regarding our investigation without the appropriate documentation, such as a government issued ID and a FTC report, we encourage you to take the following steps to protect your personal information : Monitor your credit reports : Visit www.annualcreditreport.com to review your credit reports for any unfamiliar activity. 
Place a fraud alert or credit freeze : You can contact the three major credit bureaus to help prevent further misuse of your information : EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Secure your online accounts : Update your passwords, especially if you suspect your information has been compromised. Enable multi-factor authentication where available. 
Report to the FTC : If you havent already, consider submitting a report to the Federal Trade Commission at XXXX for support and resources. 

Received a 1099 tax form? If you believe this may be related to identity theft, report it to the IRS. You do not need to report the interest income or request a revised 1099 form in such cases. 

Thanks, XXXX XXXX Services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
My husband sent me {$240.00} on cash app. Cashapp took our money XX/XX/year>. The money was withdrawn from my benefit card and he loaded it to cashapp to send to my cashapp account. Cashapp pending the transaction since XX/XX/year> and telling me its under investigation but for what reason we did nothing wrong. They are just holding it we are still able to use our accounts as normal as weve been using it. The payment has been stolen from us we have provided all the information as to where the money came from everything and they are not releasing our money. I have things to pay now I owe others behind them taking our money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I am writing to formally dispute an alleged late payment reported on my account for the months of XX/XX/year> and XX/XX/year>. This late payment was reported by XXXX, a currently open loan that I have, that began in XX/XX/year>. I can confirm this late payment entry is inaccurate and this payment was paid on time and at this time.

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 2025-12-16 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit report, which I believe is inaccurate. Below are the details of the accounts in dispute, separated by bureau : CHARGED OFF XXXX XXXXL Account Number : XXXX Account Date : XX/XX/year> Balance : {$0.00} LATE PAYMENT XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-12-16 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> {$13000.00} PERSONAL INFORMATION : XXXXEMPLOYER XXXX XXXXEMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> {$13000.00} PERSONAL INFORMATION : XXXXEMPLOYER XXXX XXXXEMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation