vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am writing to file a formal complaint against Comenity Bank regarding what I believe to be predatory lending practices, errors in payment allocation, and abusive tactics used in the collection of allegedly overdue payments.

Background : I have a credit account with Comenity Bank, account and statement is attached. I have consistently made my payments on time each month. My objective has always been to avoid incurring finance charges.

Issue 1 : Incorrect Payment Allocation and Unwarranted Finance Charges On multiple occasions, despite paying on time, Comenity Bank has allocated my payments in a manner that resulted in significant finance charges being applied. Specifically, over the past year of payments, I made a payment that should have covered my balance and avoided interest. However, Comenity Bank appears to have allocated these funds in a way that generated approximately {$700.00} in interest charges along with the inappropriates funds I had to reduce my automatic payments and did that all online. The company did not take any minimum payment and pretended like I didnt set them up to start charging interest and now they have marked my account as late. This contradicts my understanding and action taken through their online system.

Issue 3 : Unreasonable and Abusive Collection Tactics When attempting to resolve these issues, Comenity Bank representatives have been unreasonable and abusive in their collection efforts. They have insisted that I take blame for the situation and have been dismissive of my concerns regarding payment allocation errors and the setup of recurring payments. Their approach has been aggressive and has added significant stress during an already difficult time. not only have they been very abusive towards me they have been calling with an unknown number.

Desired Resolution : I request that the CFPB investigate these practices. Specifically, I seek : 1. A thorough review of my account 's payment history and allocation of funds to correct any errors and remove unwarranted finance charges.

2. Correction of my account status to reflect that payments were made on time and that the late payment status is a result of Comenity Bank 's system error or miscommunication.

3. An investigation into Comenity Bank 's collection practices and their communication with me.

4. Assurance that Comenity Bank will cease its unreasonable and abusive collection tactics.

I have records of my payments and attempts to resolve this matter, which I can provide if necessary.

Thank you for your time and attention to this serious issue. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or around XX/XX/year>, I noticed my bank account had only {$.00} in it. The week before it had {$1400.00}. I looked at my transactions and found that for the XXXX or XXXX time this year, Citibank allowed over {$1000.00} in fraudulent transactions. All the transactions were from XXXX, as they always are and every time Ive reported this fraud, Im promised that all transactions from this company will be blocked. They never are. On this occasion, I was sent a new debit card. Unfortunately, I could not activate the card since the card number online they claimed to have sent differed from the card number received. I have not been able to access my account at all online nor use any funds. Today, I called Citibank again and was told my account was closed and no further transactions were allowed, I asked for a reason repeatedly and was told that I would receive a letter at some point. I believe they closed my account because the bank repeatedly screwed up! Most importantly, I am XXXX and expecting a check from XXXX on XX/XX/year>. It is too late to change the direct deposit for this month and I very much need that check to pay my rent or Ill be evicted. I have no money for food, utilities, etc. in the meantime.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: DE

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-10-28 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: IL

Complaint narrative:
I have disputed the XX/XX/XXXX day late at least and the late payment is coming back as verified however I an requesting confirmation of the methods used to verify the XX/XX/XXXX day late, according to consumer laws I am entitled to this information

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 2025-10-28 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: MOHELA
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( q ) ( 3 ), and N.J.S.A. 2C:21-17. This notice is submitted by affidavit and serves as a formal statement of claim and demand for immediate corrective action. Through written communications and your own admissions, MOHELA / XXXX has demonstrated possession and use of my personally identifiable information ( PII ) and has shared such data with third-party creditors and consumer-reporting agencies ( CRAs ) without lawful consent. This conduct constitutes violations of 15 U.S.C. 1681 ( a ) ( q ) ( 3 ) and N.J.S.A. 2C:21-17.

Your failure to provide me with an opt-out disclosure as required under 15 U.S.C. 68026803 and 12 C.F.R. 1016.10 constitutes an unlawful disclosure of non-public personal information. As a direct result of MOHELA / XXXX  unlawful possession and dissemination of my personal and financial information, I have suffered : Violation of my right to privacy Damage to my credit reputation and creditworthiness Loss of financial and employment opportunities Emotional distress and reputational harm Ongoing financial injury due to unauthorized reporting activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reports must include only information that is accurate, complete, and verifiable. I am requesting a review of these reported late payments, and if verification can not be provided, they should be updated or deleted accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
On XX/XX/year> I rented a vehicle from XXXX XXXX XXXX XXXX. Chime XXXX XXXX has a pending/ holding charge for the total amount of {$1800.00}. I returned the vehicle on Thursday XX/XX/year>. The total due to XXXX XXXX XXXX XXXX was {$1600.00}. I am due a refund of the total amount of {$250.00} from a deposit that was included in the total charges. I have yet to receive a refund and Chime is trying to double charge me and wont release the funds to XXXX even though it was paid for in advance. XXXX mentioned they had this problem with Chime XXXX XXXX cards before. XXXX also mentioned that if Chime doesnt release the money that it will be reported and go on my credit report. This is unacceptable as I have paid the total amount and waiting for the rest of my money to be refunded. I do not owe Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$380.00} DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$0.00} DEPT OF ED/XXXX # XXXX XX/XX/XXXX -- {$0.00} DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute inaccurate and potentially misleading information appearing on my credit report regarding XXXX accounts that are currently reported with unclear or vague status designations. These designations may misrepresent the true nature of the accounts, including their charge-off status, and could negatively impact my creditworthiness. The status designations in question are vague, lack an industry-standard definition, and may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that all information furnished to credit reporting agencies be accurate, complete, and not misleading. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute this information and request a thorough investigation to verify the accuracy and completeness of these accounts with the original data furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00}

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 2025-10-28 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: GA

Complaint narrative:
I received two messages from a number claiming to be Chime bank asking me to verify suspicious charges to my account. I replied no on both. I then received a phone call from the verified Chime customer support phone number. The person on the phone said that they had restricted my account to no longer allow access to charges outside of my zip code without prior authorization. Two days later, I got more messages from a number claiming to be Chime about more attempted charges. I then received a phone call from the Chime verified customer support phone number. They listed off charges and dates from my account that nobody but Chime or I should have access to. They had my full name, date of birth, and date/time/vendor for all charges in my account. They then said that my account was compromised and that I needed to be set up with a new profile. They told me I would receive a request through the app for the money within the account so they could add the funds to my new account before anything else came out. As soon as the funds were gone, the line went dead. I assumed that the call disconnected, as this is a common issue. I immediately called back and the line went to Chime. I asked to be re-connected and explained what was happening. The customer support member said that Chime can not call me and that they would not request funds. They confirmed that it was a scam. I opened a dispute and the dispute was denied despite the fact that even they confirmed I was scammed. All of my money was taken from me. I called back when it was denied and asked for it to be re-opened. The customer support member said he would re-open it and that I needed to look out for an email confirmation. Three days later, there is still no confirmation. I called back again and the representative did not even attempt to re-open the case. Chime is not supporting their customers against fraud. They are allowing scammers to take money. They are not taking any action to prevent spoofing of their phone number, and they are not looking into these cases well enough. I have seen multiple commenting on their XXXX account about the same thing happening to them. This bank needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I assert that the incorrect late payment notations on my accounts represent a violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any errors in reporting these payments are both unfair and unlawful.

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 2025-10-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim. I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. 6802 of the GLBA to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the GLBA and its implementing regulations. Financial Injury Due to Noncompliance. Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to one or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy Loss of credit opportunities Damage to my credit and creditworthiness Wage loss and related financial harm Emotional distress and reputational injury

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I assert that the incorrect late payment notations on my accounts represent a violation of 15 U.S.C. 1666. I have consistently made my payments on time, and any errors in reporting these payments are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation