vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, at XXXX XXXX. I initiated an {$800.00} P2P transfer from my Chime checking account to XXXX XXXX. At approximately XXXX XXXX. on XX/XX/year>, XXXX XXXX contacted me to inquire when the money transfer would occur. I told her I had already sent the money hours before. I logged into my Chime account and looked to see if came back to the account. The money was not in my account so I had to review the transfer. I realized that my phone had auto corrected the spelling of XXXX to XXXX. After realizing that the money had erroneously sent to the wrong XXXX XXXX, I contacted Chime. At XXXX XXXX on XX/XX/year>, I spoke with a representative at chime to get assistance with the return of the {$800.00} money transfer. I explained the situation and that it had only occurred a couple hours prior and that I needed the money to either be returned or sent to the correct XXXX XXXX. The representative said I would have to file a dispute, but that the money should be returned in no time. At XXXX XXXX. on XX/XX/year>, a dispute was filed. On XX/XX/year>, I received an email from Chime staying that a determination had been made regarding the dispute. Chime denied my dispute stating they found no error had been made. I called Chime to ask how there was no error found when the money had obviously been sent to the wrong recipient. I reported the error within hours of the error being discovered and had timely filled a dispute as advised by Chime. I explained that this was an {$800.00} money transfer that was for a monthly rent payment not a {$10.00} for pizza or something. I also explained that Chime shouldn't allow two people to have almost identical Chime signs in this case @ XXXX ( incorrect ) and @ XXXX ( correct ) XXXX I didn't understand how an auto correct mistake on my phone became a situation that I lost {$800.00} for my monthly rent payment. As a result, I am being evicted from my home. I need assistance getting the money returned to me. Chime is trying to deny giving my money back as I feel like chime is responsible for allowing two people to have the same Chime sign with the exception of one letter. Chime should protect it's customers better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Subject : Request for Escalated Review Repeated FCRA Violations by XXXX XXXX USAA Resulting in Consumer Harm Dear CFPB Representative, I am writing to request an escalated and non-automated review of a serious, ongoing violation of the Fair Credit Reporting Act ( FCRA ), this time emphasizing new facts, extended harm, and continued refusal to comply with consumer protection laws. 

XXXX and USAA continue to furnish inaccurate charge-off information to the credit bureaus, even after multiple disputes, formal complaints, and verification challenges. Despite previous filings ( which may appear similar in tone ), this is not a duplicate complaint but a documentation of their continued willful disregard for federal statutes and your previous intervention. 

New Information Since Last Filing : My credit report dated XXXX XXXX still shows the disputed charge-offs as active, even though no validation has been provided. 

I was denied a mortgage application on XX/XX/year> due to this reporting, which caused tangible financial loss. 

USAA and XXXX are now in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate or delete unverifiable data after receiving disputes through both the credit bureaus and the CFPB.

I am requesting that the CFPB initiate an official investigation into their data furnishing practices under 15 U.S.C. 1681n for willful noncompliance. 

These accounts continue to reflect false payment history, inflated balances, and mischaracterized liabilities that no longer exist or are legally incorrect. 

I Am Requesting : Immediate escalated review of this matter by a senior CFPB investigator.

A formal inquiry into whether PenFed and USAA are systematically violating FCRA 1681s-2 ( b ) across other consumer accounts.

A directive to the credit bureaus to delete these entries unless full documentation and lawful verification are presented within 30 days.

CFPB penalties, civil action, or legal referral under FCRA 1681n/o if violations are found. 

I am attaching the most recent credit report ( highlighted ), denial letters, and copies of previous disputes for your reference. Please consider the evolving harm and continued abuse of consumer reporting rights as a reason to open a new investigation. 

Thank you for your time and commitment to consumer justice.

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 2025-05-31 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: NV

Complaint narrative:
Let me be clear : this complaint is legitimate and warrants immediate attention. My credit report includes inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are causing ongoing and significant harm to my personal and financial well-being. I demand a thorough investigation and the prompt correction or removal of all inaccuracies. Resolving this issue is not just necessaryit is urgent and critical to protecting my rights and restoring the integrity of my credit profile.

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 2025-05-31 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:
XXXX XXXX To Whom It May Concern : Subject : DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED HARD INQUIRIES VIOLATION OF FCRA This letter is being sent to you in response to your continued failure to remove unverified hard inquiries from my credit report, despite my previous written disputes and the filing of an official complaint with the Federal Trade Commission ( FTC ). 
Let me be clear and unequivocal : You are knowingly reporting inaccurate and unverifiable information on my consumer report. These unauthorized hard inquiries are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which clearly mandates that you are required to investigate and VERIFY disputed items with the original furnishers within 30 days of receiving a consumer dispute. 
You have failed to do so. 
If you had properly conducted a reinvestigation as required, you would have seen that no verifiable authorization exists for these inquiries, and thus they should have been removed immediately. Instead, you continue to knowingly publish and distribute inaccurate, damaging information on my credit file, constituting willful noncompliance. 
Let me remind you : an inquiry is not verifiable unless the furnisher can provide PROOF of my written authorization for the pull. Generic statements from data furnishers claiming I " applied for credit '' are not sufficient under FCRA standards. Unless you can produce a signed application or equivalent written authorization for EACH disputed inquiry, you are legally obligated to delete them. 
This is your FINAL NOTICE to : 1. Delete all disputed, unverifiable hard inquiries from my credit report immediately ; -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Provide me with written confirmation of the removals ; 3. Send me a complete, updated copy of my credit report reflecting these deletions.

If you fail to comply within 15 days of receipt of this letter, I will be left with no choice but to escalate this matter further by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General ; Seeking legal action for damages for your willful and negligent noncompliance with the FCRA, including but not limited to statutory, actual, and punitive damages.

I expect immediate and full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I am writing to formally dispute and request an immediate investigation into the reporting of a charged-off XXXX XXXX account on my credit report. The account in question is inaccurately reported and is causing undue harm to my credit profile. 
Creditor Name : XXXX XXXX Grounds for Dispute : 1. This Debt Has Been Securitized It is my understanding, based on publicly available information and financial practices, that XXXX XXXX  routinely securitizes consumer credit card receivables, including charged-off accounts. Once a debt has been securitized and sold to a trust or third party, XXXX no longer retains ownership or rights to collect on the alleged obligation. 

If the debt was securitized, XXXX has received value for the account, and thus can not simultaneously report the balance as a personal debt owed to them. This creates a false and misleading representation on my credit file, violating the standards outlined by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Charged-Off But Still Reporting Balance If the debt has been charged off, XXXX has declared the account a loss for tax purposes. Continuing to report a balanceespecially if they no longer own the debtis inaccurate, misleading, and financially damaging to my credit profile. 
XXXX. Harm and Inaccuracy This account is negatively affecting my ability to obtain credit and pursue financial opportunities. The reporting is not only outdated but also incomplete and inaccurate under the FCRA Section 609 and 611.

Request for Immediate Action : Delete or Correct this account reporting across all three credit bureaus.

Provide written verification of your investigation and the data furnishers ( Discovers ) response. 
If XXXX can not prove continued legal ownership or right to report this account, it must be removed. 

Please consider this letter a formal dispute under the FCRA and a request for reinvestigation. You are required to respond within 30 days of receipt, pursuant to federal law. 

Thank you for your attention to this matter. I expect a timely resolution and removal of any inaccurate information harming my consumer credit profile.

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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I was scammed out of a total of {$1000.00} {$500.00} via Zelle and {$500.00} via XXXXXXXX XXXX by an individual who initially contacted me through XXXX XXXX under the name XXXX XXXX. 

He claimed he sent me a {$1100.00} payment through Zelle and that in order to receive it, I needed to upgrade my account to a business profile. I received fraudulent emails impersonating Zelle, and he introduced a second layer of the scam by pretending to be a Zelle customer service rep. He used very convincing language and repeatedly said we were on a recorded line to appear legitimate. 

When I attempted to send the {$500.00} via Zelle, I received a notification from XXXX that there was a problem processing the payment. I informed him of this, and he asked me to send a screenshot of the XXXX alert. After I did, he told me the payment had to be made using XXXX XXXX or XXXX instead. Trusting that I was speaking with an actual Zelle representative, I complied and sent the {$500.00} via XXXX XXXX. 

He then claimed the original Zelle transaction didnt go through and directed me to try again, so I sent another {$500.00} through Zelle XXXX After both payments were made, he became unreachable and blocked me. 

The recipient name on the Zelle transfer was XXXX XXXX, which did not match the XXXX profile XXXX XXXX, indicating intentional deception. 

Zelle denied a refund, even though this was clearly a case of impersonation, fraud, and social engineering. XXXXXXXX XXXX has filed a claim on my behalf for the Zelle portion. XXXX has not yet issued a final decision on their end. 

I am requesting CFPB support to investigate this fraud and hold Zelle accountable for enabling scams without consumer protection. I have full documentation including screenshots of all messages, fake Zelle emails, the XXXX notification, transaction confirmations, and both the XXXX and Zelle contact names used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/year> I opened a Chime account. I receive a pension monthly through XXXX XXXX XXXX of Northern California Local XXXX located in XXXX, California. This pension was set up by my ex husband and is payable to me for my lifetime. This account is still set up with the last name of my ex husband. When I opened up the Chime account I called customer service and told them that the checks were still in my ex husbands last name. ( This account is solely in my name ). 
They sent me a link to where I could send my divorce decree and driver 's license to them through the link. I sent all the paperwork that they requested. For whatever reason they emailed me asking to resend the paperwork. I sent the paperwork again two more times. On Wednesday XX/XX/year> I called customer service at Chime and asked if all was good because my direct deposit was going to be deposited on XX/XX/year>. Customer service told me that they had received all of my paperwork and that that all was good. On the morning of XX/XX/year> I checked my balance on the Chime app. The balance was {$0.00}. I called Chime immediately and I asked them why my check was not deposited using my direct deposit. The customer service lady told me that my check would be deposited anywhere between a few minutes to four hours. I waited four hours and checked my balance. It was still at {$0.00}. I called customer service again and was told that they needed paperwork. I was floored. I told customer service that all the paperwork was sent to them using the link that they sent me three times. They kept telling me that my driver 's license didn't match the name on the check. I told her that was why I sent the paperwork that they requested which was the divorce decree and my driver 's license with my legal name. She kept saying that she needed to know how I got the name on my driver 's license. I told her that I went to DMV and gave them the same paperwork that I gave them. She just kept repeating herself. I told her that DMV accepted the same paperwork that I sent them. She just kept repeating the same thing. I was beside myself. After all that she told me that they had already sent the check back to where it came from ( XXXX XXXX ). She said it would most likely take three business days for them to get it. Nothing was ever discussed with me about sending it back. This caused great damage. I couldn't pay my rent so there's most likely going to be an eviction notice for me and I have a loan payment I couldn't pay and my phone was shut off due to non payment. I trusted them with my money. Can you please help me? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Synovus Bank
State: CA

Complaint narrative:
Dear Sir or Madam, I am filing an official complaint against First Latitude Bank for deceptive business practices, unauthorized fund withdrawal, and failure to issue a promised refund, despite multiple written and verbal follow-ups.

1. Background In XX/XX/year>, I applied online for a First Latitude debit card. During the application process, I was informed of a {$29.00} application fee, and it was clearly stated that no initial deposit was required. I paid the {$29.00} fee using another credit card, as instructed. 

However, once the application was completed, I was suddenly required to deposit {$200.00}, which contradicted the terms originally presented. I chose not to proceed with the deposit. 

To my surprise, a few days later, I discovered that {$200.00} had been withdrawn without my authorization from my personal account at XXXXXXXX XXXX 

2. Attempted Resolutions I immediately contacted the banks customer service, but my refund request was refused. I decided to close the account and formally requested the refund of both the {$200.00} and the {$29.00} fee. 

Throughout XX/XX/year>, I sent several emails and letters, including a certified letter on XX/XX/XXXX, to the following address : First Latitude Card, XXXX XXXX XXXXXXXX, XXXX XXXX, TN XXXX, but received no satisfactory reply. 
i sent email a these dates : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX 

On XX/XX/year>, I received a letter from First Latitude stating that I would receive a refund check of {$200.00} within 10 days. That refund never arrived. 

On XX/XX/XXXX, I contacted customer service again. I spoke with a manager who assured me that she had submitted a request for an express refund, and I would receive it within 2 business days. 
As of XX/XX/year>, I have received nothing. 

3. Allegations I believe First Latitude Bank is engaged in deceptive and unethical practices, possibly amounting to fraud, including : Misrepresenting the terms of the application; Withdrawing funds from my account without consent ; Repeatedly failing to honor refund promises ; Ignoring customer communications.

This bank has wasted my time, taken my money without consent, and acted in blatant bad faith.

4. What I Request I respectfully request that First Latitude Bank be required to immediately refund the total amount of {$220.00}, which includes : {$200.00} withdrawn from my account without authorization ; {$29.00} charged as an application fee under false pretenses.

I also request that the CFPB investigate this institutions conduct, which appears to be part of a broader pattern of deceptive and abusive practices toward consumers.

Please find attached all relevant documents, including payment proofs, communications, and letters sent.

Thank you for your time and attention. I hope for your prompt action on this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Banking and reporting errors are actively damaging my credit, in direct violation of federal law. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally required to apply payments and credits accurately and ensure that reported information is correct. However, my account reflects several serious issues : payments I made were not properly recorded, and there are evident calculation errors in the reported balances. Furthermore, I was not provided with the mandatory 21-day advance notice before a payment due daterendering any resulting late payment marks invalid. These violations not only breach federal law but also cause unjust and ongoing harm to my credit profile. Immediate correction of these inaccuracies is both legally required and critically necessary.

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OK

Complaint narrative:
They came and repossessed my car the didnt honor the warranty of fixing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved these accounts, and their presence on my credit report is entirely unacceptable. This constitutes the reporting of inaccurate and misleading information, which severely misrepresents my financial history. I take the accuracy of my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning. I am demanding immediate clarification as to why these accounts are appearing and who is responsible for reporting them. This matter must be investigated and resolved without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
He is what happened : I am the homeowner of the property in XXXX, Pennsylvania have not lived at the residence since XX/XX/XXXX due to being placed in full-time care at a United States XXXX XXXX. Since then, the home has been occupied by a family member who is a XXXX XXXX XXXX veteran. 

In XX/XX/XXXX, the occupant was formally notified by mail of her responsibility to pay for all utility services, including water, and she acknowledged this responsibility. However, she has not paid any of the bills. As the legal representative for the homeowner, I paid the water bills myself to prevent service shutoff and further complications. Between XX/XX/XXXX and XX/XX/XXXX, I paid a total of {$380.00} to the XXXX XXXX Department. The payments were made as follows : XX/XX/XXXX {$35.00} XX/XX/XXXX {$58.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$60.00} XX/XX/XXXX - XX/XX/XXXX ( Do Not Owe ) The occupant receives state and federal benefits and is capable of paying her own bills, but continues to refuse. I am seeking resolution so that the homeowner is no longer held financially responsible for charges incurred while he was not living at the property and did not use the utilities.

Company response to consumer: Closed with explanation