vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
A tribal lender that charges over the 30 % threshold in interest fees of the legal limit of XXXX Their fees are excessively high around XXXX % which is illegal in the state of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Between XXXX XX/XX/year>, 3 fraudulent charges were made on our Bank of America XXXX BOA ) debit account totaling {$2100.00}. I called BOA on XXXX XX/XX/year> at XXXX XXXX to report the charges and was credited back the funds on XXXX XX/XX/year>. After that, we received 0 communications from BOA until XXXX XX/XX/year> when we received a denial letter that erroneously claims " The following charge ( s ) was authorized by you or made by someone who has permission to use the card or account. '' This is a lie. On XXXX XX/XX/year> I reported this fraud to the XXXX, XXXX police department and a police report was written ( XXXX ). Additionally, the police logged myself and my husband, XXXX XXXX, in their database as identity theft victims as of XXXX XX/XX/year>. 
This is not the first time that BOA not only did not protect us from fraudulent charges, but then denied our claim with 0 facts or communication. I have placed an appeal for BOA to reopen the claim and lodged a complaint on XXXX XX/XX/year> ( BOA representative, XXXX XXXX. 
Please help us get our money back.

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 2025-12-08 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: FL

Complaint narrative:
I am requesting the CFPBs assistance because Experian is reporting multiple inaccurate and duplicated accounts, as well as unauthorized inquiries. I have previously disputed these items, but Experian failed to correct the errors or conduct a proper reinvestigation. The reporting between Experian and the other bureaus does not match, and it is preventing me from rebuilding my credit. 
I am asking Experian to verify these accounts properly or remove them if they can not be proven accurate. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} ( duplicate ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1100.00} INQUIRIES ( EX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-08 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: CA

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

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 2025-12-08 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: NJ

Complaint narrative:
On Friday XX/XX/XXXX around XXXX ish in the a.m, my phone start pinging. Me not knowing money was being taken out of my account I ignored it. Then it kept pinging and I said let me check because this is a lot of notifications. When I goes to check my notifications its telling me money was taken from my account in separate but different times. I called and disputed the issue with my Chime Bank. They gave me an extended amount of money to pay back as a spot me. I didnt have the money to pay back when I got paid they took my whole check from me for paying them back. Thats money I didnt have to give or spend. Ive been disputing this issue since the day it happened and I still havent gotten this issue taken care of. Every time I call and dispute the issue they send me the same documents and tell me there was no error occurred. Now Ive had past disputes when Chime has given me my money back, but it was a small amount. All of a sudden I dispute for {$150.00} and they cant help or reimburse me. Can somebody please help me because Im still in debt because of this and I dont know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 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 2025-12-08 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: IL

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: GA

Complaint narrative:
I have been making payments towards my mortgage, to my knowledge I have been late twice in the past four years. I have more than made up for these payments according to my mortgage company they have not received payments when I have bank statements documenting these payments were made. I have reached out to supervisors via email and I have spoken to several people on the phone who cant explain to me where my funds have gone. Beginning XXXX of this year I began sending almost a double payments just to get caught up according to their records and its still showing that I havent paid since XXXX when I again have bank statements showing otherwise I just need some help to find out whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Re : Discrepancy in Auto Loan Contract with Credit Acceptance Corporation I am writing to formally request an investigation into a discrepancy related to my auto loan financed by Credit Acceptance Corporation. 
Loan Details : XXXX XXXX Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX Date of Contract : XX/XX/XXXX Issue Summary : I was initially approved for financing in the amount of approximately {$27000.00}, as per the Truth in Lending disclosures and the credit application. However, the final contract indicates that the amount financed is significantly higher ( approximately {$33000.00} to {$36000.00} ), which does not align with the terms under which I was approved. 

Request : Proof of Ownership and Assignment : I request documentation that clearly shows the chain of ownership and assignment of the contract from the dealership to Credit Acceptance, and any involvement of a trust in this process.

Clarification of Financing Amount : I request a detailed explanation for the discrepancy between the initially approved financing amount and the final amount financed. 


Truth in Lending Discrepancies : I request that Credit Acceptance provide a clear breakdown of the finance charges, the amount financed, and any additional fees that were applied, ensuring transparency and compliance with the Truth in Lending Act. 


I believe that these discrepancies may indicate potential issues that need to be addressed to ensure fair and transparent lending practices. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 
Sincerely, 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 2025-12-08 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Good day, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
On XX/XX/XXXX my Cash App account was hacked and {$800.00} taken from my bank account and put to my Cash App account. Then the hackers logged me out of my account that was positive {$800.00} ( ash app ) then proceeded to change all my information including the address ( in which I have not changed back yet ) so I had no way to get into or use my account. I contacted Cash App and they started an investigation. On XXXX. XXXX I contacted Cash App as to how the investigation was going and who ever answered the phone told me they can get me back in my old account using my phone number so they tried and it worked! There was {$590.00} in there and i immediately transferred it back to my XXXX account. They will not pay me my {$200.00} dollars still owed to me I dont know what else to do. They say I made the transaction on XXXX XXXX it was impossible considering I could not use my account until XX/XX/XXXX. What can do? I need my {$200.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CO

Complaint narrative:
I bank at Key Bank in Colorado and have for several years. I set up a $ 600 monthly bill payment ( car payment ) to XXXX XXXX XXXX XXXX. It has been in place since XXXX with no issues. 
On XX/XX/XXXX, I noticed that my bank account balance was incorrect. A total {$5400.00} has been sent to XXXX  without my authorization. I researched and found that KeyBank has been sending duplicate {$600.00} payments to XXXX since XX/XX/XXXX. 
I do not have auto payment set up at the Credit Union. 
As of XX/XX/XXXX, I have not been contacted or received any information about my dispute. My inquiry this XXXX has provided no resolution and no proof of an investigation ot a timeline for resolution. 


.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NM

Complaint narrative:
Would you mind checking this entry? Its late and possibly flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, unverifiable, and incomplete information on my consumer credit reports, despite multiple written disputes and requests for validation. 

All three bureaus have failed to follow reasonable procedures to assure accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the creditors directly and requested validation. It has been well over 30 days, and none of them responded. These items remain on my reports without the legally required verification. 

Reported unverified accounts without producing an original signed consumer contract, which I demanded under FCRA 609 ( a ) ( 1 ) ( A ).

Failed to reinvestigate properly before continuing to publish the information.

Continued to report incomplete, inaccurate, or misleading data even after receiving written disputes. 

Harmed my ability to obtain credit and a mortgage for my family. 

Left inquiries that I did not authorize and that are not linked to any open accounts. 

I explicitly told each bureau to cease and desist communication with the creditors under FDCPA 15 USC 1692c ( c ). 

Equifax Resurgent Receivables Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For all of the above : The creditor never validated the debt. More than 30 days have passed. 

Experian Resurgent Receivables XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been validated after more than 30 days. 

TransUnion XXXX / Case # XXXX Missing the required creditor name a direct FCRA violation. 

Resurgent Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, all unverified after more than 30 days. 

Because the bureaus continue reporting accounts they can not prove belong to me, I have : Been denied credit Been blocked from securing a mortgage for my family Experienced unnecessary financial stress They are publishing information that is unverified, incomplete, and inaccurate, which is illegal under the FCRA.

Company response to consumer: Closed with non-monetary relief