vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I made a cash deposit of {$2000.00} at a Bank of America ATM located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX During the transaction, the ATM malfunctioned, did not return my debit card, did not print a receipt, and kept the cash inside the machine. 

Immediately after my attempt, another woman in line used the same ATM and experienced the exact same issue, which clearly shows that the machine was malfunctioning. 

I went inside the branch right away, and a bank employee came outside to check. She informed me that they do not have keys or any access to open the ATM and therefore could not help. She told me there was nothing they could do and instructed me to call customer service. I have a video recorded that same day where the employee explains that they can not open the ATM and that I must call for assistance. The video also shows the woman who witnessed the incident. 

The bank issued a temporary credit for the missing deposit, but today, XX/XX/year>, they removed that credit from my account, saying they could not find the money. This is unacceptable because the ATM clearly kept my cash, kept my card, and failed to provide a receipt due to a malfunction. 

After the bank removed the temporary credit today, my account became negative, causing financial harm and unnecessary stress. 

I also have a photo of the safety notice posted on the ATM, showing the identifying number of the machine. 

I am requesting a full investigation and the immediate return of the {$2000.00} deposit, as well as correction of the negative balance caused by Bank of Americas error.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-14 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: TN

Complaint narrative:
Fraudulent Achieve Personal Loans account reinstated on Experian, Equifax,. I never applied, opened, or authorized this loan. No signed contract, application, or proof of obligation provided. FTC Identity Theft Report + affidavit attached. 
Violations : FCRA 15 U.S.C. 1681i ( failure to reinvestigate ), 1681s 2 ( furnisher duty ), 1681n/o ( civil liability ). Tennessee Consumer Protection Act ( Tenn. Code Ann . 47 18 104 ) prohibits misrepresentation of debts. Memphis Fair Debt Collection ordinances protect against false reporting.

Agencies notified : CFPB, OCC, FDIC, XXXX, Tennessee AG, U.S. AG.

Demand : Immediate deletion of Achieve Personal Loans account. Provide method of verification ( name, contact, documentation ). If unverifiable, delete.

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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading reporting by a debt buyer on my credit report. 

The account is reporting as follows : Balance : {$4600.00} Date opened : XX/XX/year> Status : Collection account. {$4600.00} past due as of XX/XX/year>. 


This reporting violates the FCRA and FDCPA for the following reasons : XXXX. The date opened is false and does not reflect the original Date of First Delinquency, violating FCRA 623 ( a ) ( 5 ). 
XXXX. The DOFD required by law is missing, making the reporting incomplete and unverifiable. 
XXXX. Past-due balance reporting by a debt buyer is inaccurate without validation. 
XXXX. No documentation has been provided showing the creditor owns the debt, violating FDCPA XXXX ( b ). 
XXXX. The debt buyer failed to provide proof of the amount owed, itemized charges, or chain of title. 
XXXX. The bureaus conducted an inadequate reinvestigation, violating FCRA 611.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was charged deferred interest on two promotional purchases with Synchrony Bank ( CareCredit ). 

When I made my purchase, I was never clearly informed that they were being placed under deferred interest promotions. I did not knowingly agree to any promotional financing or receive clear disclosure at the time of purchase that interest would be retroactively charged if the balance was not paid by a specific date. 

I only found out about these promotions after deferred interest charges appeared on my account, totaling over {$2000.00} in interest. I immediately contacted Synchrony Bank to resolve the issue and explained that I had not been aware of any promotional terms or payoff deadlines. I asked for a courtesy reversal, but they denied it, saying I had missed their 30-day dispute window by just 4 days.

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 2025-11-14 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:
I am writing to notify you that I am a confirmed victim of identity theft and to request the immediate removal of a fraudulent collection account that has been incorrectly reported under my credit file. 
I have now obtained my official police report, which documents the identity theft incident in detail. The account being reported by XXXX XXXX XXXX does not belong to me. I never opened or authorized this account, and the address tied to it is not an address where I have lived. The reporting creditor listed an address missing the apartment number, which further confirms that the information was not sourced from me. 
Under the Fair Credit Reporting Act 602A, 605B, and 611, you are required to block and delete information resulting from identity theft once proper documentation is provided. I am providing that documentation now. 
This fraudulent collection has caused significant credit harm and is directly interfering with my ability to obtain credit. I request an immediate deletion and written confirmation once the item is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

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 non-monetary relief
Consumer complaint received 2025-11-14 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 consent.

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 2025-11-14 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: KS

Complaint narrative:
I am a victim of the recent data breach that has affected many individuals. Under 15 U.S.C. 1681c-2a, I am requesting that the account mentioned on my credit report that is associated with this breach be blocked and deleted

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 2025-11-14 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: MA

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 XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
These requests arrived without prior notice and XXXX lack approval. Kindly review the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I requested written communications and a letter on information about what the debt was from Transworld Systems Inc. on XX/XX/year> and provided an address change to ensure that the communications were sent to the right place More than a month later, I still hadnt received anything and I requested again that written communications and a debt validation letter be sent to my address. I confirmed again that they had the correct address. 
I still have not received a debt validation letter or any written documentation or statements from Transworld Systems Inc. but I keep receiving frequent attempts of communication such as calls and texts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Topic : Mortgage Servicing Incorrect Payoff / Failure to XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX AmeriHome Mortgage Company , LLC XXXX XXXX XXXX, XXXX XXXX XXXX Oaks, CA XXXX XXXX ID XXXX Loan Number : XXXX Mortgage Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX am filing this complaint because my mortgage servicer, XXXX XXXX, is refusing to properly apply my lender-paid temporary buydown subsidy to my payoff amount during my refinance. 

I refinanced with XXXXXXXX XXXX in early 2025. My Closing Disclosure and Temporary Buydown Agreement ( Lender-Paid ) clearly show that the lender collected and deposited {$12000.00} into a buydown subsidy account ( listed as Buydown Fees ). 

The Buydown Agreement includes a legally binding clause ( XXXX  XXXX ) stating : If the debt is prepaid in full any remaining Buydown Subsidy shall be applied to the outstanding balance due on the Note and Mortgage. 

My loans servicing transferred from XXXX to XXXX on XX/XX/XXXX. Under Section XXXX of the agreement, the buydown subsidy account and remaining funds must transfer to the new servicer. 

I am now refinancing, which is considered a full prepayment, and therefore XXXX is required to apply the unused buydown funds to reduce my payoff amount. 

However, XXXX issued an incorrect payoff quote that does NOT include the unused buydown subsidy, despite the clear contractual requirement. I have contacted XXXX multiple times by phone, and each time I am told the correction will be applied today, but days have passed and nothing has been fixed. 

This delay is blocking my refinance and putting me at risk of losing {$12000.00} of funds that contractually belong to me. 




I am requesting that the CFPB require XXXX to : XXXX. Immediately apply my remaining buydown subsidy to reduce my payoff balance, as required under Section XXXX. 
XXXX. Issue a corrected payoff statement that reflects the unused buydown funds. 
XXXX. Provide written confirmation that the buydown subsidy funds transferred with my loan servicing as required under Section XXXX. 
XXXX. Ensure no delay or obstruction to my current refinance process. 

I simply want XXXX to follow the contract and apply the funds that legally belong 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 explanation
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
I am writing to dispute several items on my credit report. These items, which I believe are inaccurately reported or have errors, are listed below for each credit bureau. I request a thorough investigation of the accounts listed, and that they be corrected or removed from my credit report as necessary. 


Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-11-14 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I saw a charge on my online bank statement from PayPal for {$540.00}. I called the bank to stop payment because I never authorized that amount of money. PayPal then put a statement that I have a negative balance of {$540.00}. I have been fighting this since XXXX with PayPal. They said the charge was from XXXX, the only charge to XXXX that I approved was {$2.00} for email storage. 
The transaction ID is XXXX on XXXX. 
Case id from PayPal is XXXX XXXX XX/XX/XXXX. 

I also reopened the case in XXXX, PayPal closed the case without any resolution. 

PayPal then told me to contact XXXX, which I did, and have never received a response. 

Today I looked and the charge says its for XXXX XXXX. I am a XXXX XXXX XXXX women who hates football, I wouldn't spend {$1.00} for this much less over {$500.00}. 

Please help me get the charge off my PayPal account. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

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 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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AR

Complaint narrative:
Company : Chime/ XXXX XXXX XXXX XXXX XXXX XXXX Issue : Improper handling of dispute under Regulation E, repeated miscoding, failure to provide required written documentation, and failure to issue provisional credit.

Complaint : I am filing a complaint because Chime has repeatedly mishandled my dispute and violated my rights under Regulation E. 

On XX/XX/XXXX I filed a dispute for multiple back-to-back unauthorized transactions that occurred within the same minute clearly impossible for me to have made. Instead of properly investigating my claim, Chime has : 1. Miscoded my dispute multiple times ( at least XXXX separate times ), which caused delays that were not my fault. 
2. Restarted the XXXX timeline, even though their mistakes should NOT reset the Regulation E timeline.

3. Failed to issue the provisional credit that I was promised after XXXX business days. 
4. Failed to provide written documentation explaining the denial, which is required under Regulation E.

5. Closed my dispute without sending any written explanation or facts supporting their decision.

6. Told me different and conflicting information every time I called.

7. Promised me an email confirming that my provisional credit would be issued, but I never received it.

8. Caused me significant financial hardship, daily stress, and emotional distress by repeatedly mishandling this and keeping me from my own funds. 

On my last call, a supervisor told me that a provisional credit would be issued on the XXXX, and I would receive an email confirming this. I waited, but no email ever arrived. 

Because of Chimes repeated errors, I have been left without access to my money, forced into financial hardship, and put under severe mental and emotional stress. Chimes actions and inactions are not only unprofessional but appear to be in violation of consumer protection laws.

Company response to consumer: Closed with explanation