vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I disputed this alleged debt in writing and requested full validation under the Fair Debt Collection Practices Act. The collector provided only a generic contract template and a XX/XX/XXXX billing statement showing a {$0.00} balance. They failed to provide itemized statements from XX/XX/XXXX through XX/XX/XXXX, proof of default, or proof of assignment. 

I provided a written deadline of XXXX business days for validation, which has passed with no response. The debt remains unverified, yet the collector continues to assert that it is owed. This is a violation of 15 U.S.C. 1692g ( b ). I am requesting that the CFPB require the collector to cease collection and correct or delete any credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The problem is the mortgage department is handling my insurance claim and they are miss leading me i have gotten a check to get the work done since XXXX and it was open in XXXX i have gotten XXXX checks but since the last check i have been i have to have at least 25 % of the work done so i have had XXXX inspections and XXXX was 10 % the next was the same even know there was substantial work done after each inspection they said you still have not reached the 25 %. I just had an inspection and I called to find out. Can I get a check and the first thing she said was to get a check you have to do another inspection I said what do you mean I just had inspection and they said you need 70 % done me for the last XXXX inspections you kept saying that I had to have at least 25 % now you're saying I have 45 % so what do you mean now I need 70 % will you misleading me the whole time after each inspection, they kept telling me you still have not reached 25 % but now I'm at 45 % and you're telling me I need 70 % and now they're saying well put in an XXXX for them to override something to get the money and I just wan na know are they doing fraudulent things? I notified Navy Fed about what's going on and I told them they can listen to the phone calls and hear them. Tell me on each phone call. I have not reached 25 % so I don't qualify for the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA denied my Regulation E dispute ( ID XXXX ) for two ACH debits totaling {$11000.00} from merchant " XXXX XXXX XXXXE '' ( XXXX XXXX XXXX XXXX ). 
The charges are : {$6800.00} on XX/XX/year> {$4300.00} on XX/XX/year> These are illegal upfront fees charged for assistance with an initial VA disability claim, which is strictly prohibited by federal law ( 38 U.S.C. 5904 and 38 C.F.R. 14.636 ).

Accredited representatives can not charge fees for initial claims help, and any contract for such fees is unenforceable. I did not receive legitimate services justifying these amounts, and the charges stem from predatory practices targeting veterans. 
USAA completed their investigation, determined no error occurred, and denied the dispute without ever issuing provisional credit. The decision was described as final. 
I believe the debits were not validly authorized due to the illegal nature of the underlying agreement and lack of services.

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 2025-12-24 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: Kikoff Inc.
State: LA

Complaint narrative:
On XX/XX/year> a company named KIKOFF have put a total of 5 late payments on my credit report that I havent authorized. One of the accounts says closed ( 3 ) late payments and another says. ( 2 ) currently late. Ive never open a KIKOFF account ever. Im also a victim of identity fraud. Id like this removed from my credit report as soon as possible. Its negative affecting my credit score. These marks do not reflect my actual payment history and are being reported in error. I have already attempted to resolve this with the credit bureaus, but the incorrect data remains. I am requesting a full correction of my payment history to reflect 'On-Time ' for these periods as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have been Using Chime Checking and Credit Builder for 3 years or more, as of XX/XX/XXXX, I received a notification on my Account that my Accounts, will close XX/XX/XXXX. I called several times to ask why? They said they do not have to reveal that information, and I violated one of there policies. I feel like if I did something wrong, or by mistake I should know exactly what I did, Chime reps had very little information on my issue, they were vague and put offish. I need the Services Chime off, and this will cause a hardship on my family, since I am XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Complaint Regarding Account Closure, Loan Application, an Direct Deposit. 

I am writing to file a complaint regarding the closure of my Huntington Bank account and the subsequent issues with my loan application. I opened my account on XX/XX/year>, and shortly after, I applied for a loan to explore financing options. Unfortunately, my account was closed without clear explanation and despite my direct deposit being active. 
I believe this decision was made in error, and I would like to request a thorough review and reinstatement of my account. The reason given for the closure does not seem justified, and I am confident that with proper review, this issue can be resolved. 
I kindly request your assistance in mediating this matter and helping me restore my account. Thank you for your attention to this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: 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 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 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a US citizen currently residing in XXXX. Three months ago ( around XXXX ), I lost access to my online account with San Diego County Credit Union ( SDCCU ), because my XXXX XXXX number on file stopped receiving voice call/text messages from SDCCU robocall XXXX which means I can't receive security/confirmation code required to log into my account. So I called SDCCU requesting to add a XXXX XXXX mobile number to receive text messages, an SDCCU representative told me it can only be done by sending an affidavit notarized by a nearby XXXX consulate in XXXX. I went to XXXX consulate in XXXX ( which involves making appointment days ahead, taking a day off to go to the consulate, lining up and pay a notarization fee of {$50.00}, then sending the affidavit to XXXX XXXX from XXXX ). However, when the USPS tracking showed the registered mail was delivered, I was told by an SDCCU representative it " was lost '' after checking with mailroom and I should use XXXX. So I went through the whole process again, when finally XXXX tracking info showed it was delivered, I was told by another SDCCU representative that they can't add any international number. I asked to add a US number on the phone since I have done this notarization twice, they insisted it can't be done, and I need to do this notarization for a third time. 

I feel I have been unfairly punished by SDCCU 's own mistakes ( mail mishandling and wrong information that international numbers can be added with notarization ). I hope SDCCU can own up its own mistake and allow me to add a number without endless notarization process. I have USPS and XXXX XXXX numbers, my two appointments files with XXXX XXXX in XXXX, and a long list of phone call records to prove what I stated above. 

Thanks for your attention. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
Please check the provided informationthe questions were sent without warning and might not be approved.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint against Credit Acceptance Corporation regarding unfair and deceptive auto loan and debt collection practices. 

I financed a vehicle through Credit Acceptance Corporation. On or about XX/XX/XXXX, my vehicle was involved in an accident and was declared a total loss. XX/XX/XXXX An insurance claim was filed, and Credit Acceptance was aware of the total loss. As well as paid for by XXXX car insurance once the vehicle was deemed total loss. 

Despite the vehicle being totaled, Credit Acceptance has continued to claim that I owe an outstanding balance. I believe this balance is inaccurate, inflated, and unfair, and I was not provided with a clear, itemized explanation showing how the balance was calculated after the insurance payment. 

Instead of working with me to resolve the account fairly, Credit Acceptance has continued aggressive collection activity and is now attempting to sue me for the alleged balance. I believe this is improper given the total loss of the vehicle and raises serious concerns about unfair debt collection practices. 

I dispute the debt and have requested clarification and documentation, but Credit Acceptance has failed to provide transparent and understandable information. I feel they are taking advantage of me as a consumer and attempting to collect amounts that are not legitimately owed. 

I am requesting that the CFPB investigate Credit Acceptance Corporations conduct, require them to provide full documentation of the alleged debt, ensure that all insurance proceeds were properly credited, and stop any unfair or deceptive collection or legal actions against 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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2024, I was notified of an attempted PayPal Pay in 4 purchase for airline tickets through XXXX XXXX an online travel agency in the XXXX. 

I immediately rejected the transaction and changed my PayPal password and the credentials on the attached credit card. I never authorized this purchase and never received any tickets or services. 

Despite rejecting the transaction and filing multiple fraud claims, PayPal denied my claims, stating the purchase was consistent with prior activity. PayPal continued billing and collection activity while the fraud claim was under investigation, forcing me to lock my bank account and incur fees. 

I also Contacted XXXX XXXX XXXX XXXX but, oter than giving me the name of the person who recived the tickets, they would/ could not assist. I have attached their response to my inquiry. 

Interest has accrued on a charge I did not authorize. I am requesting removal of all charges, interest, and fees related to this fraudulent transaction and correction of my account records. 

PayPal failed to properly treat this as an unauthorized transaction under applicable consumer protection laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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:
Equifax is reporting derogatory information that is disputed as inaccurate and unverified. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681i, Equifax must delete information that can not be verified during reinvestigation. Despite dispute, this information remains reported without verified accuracy. I request immediate deletion of the disputed tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a Bank of America checking account holder currently residing outside the United States. I opened the account as a XXXX student on work and travel and continued to use the account as i get paid in US by my company. I am able to log in to my online banking account, but I am blocked from completing access due to mandatory SMS-based two-factor authentication being sent to a U.S. phone number that I no longer have access to.

I contacted Bank of America multiple times by phone to request an alternative method of identity verification or to update my contact information or to get the authorization code. The verification method i provided only gives partial verification so I am told there is nothing that i can do. I was informed that access can not be restored unless I receive the SMS code or appear in person at a U.S. branch. 

I explained that I am unable to enter the United States due to visa restrictions and therefore can not visit a branch. No alternative verification options were offered. I also asked if it would be possible to get a virtual interview for verification or have someone go into a branch for me and give me a video call so i can provide the ID over video call. This so that i can gain access, get my funds out and close the account. 

As a result, I currently have approximately {$7000.00} in my checking account that I can not access, transfer, or withdraw.

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 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
In the Chime XXXX section under the outstanding balance tab/link the information and terms provided says my pay will automatically take money if I receive a qualifying direct deposit or make a manual payment towards my XXXX service. Then also states by quote You can make a payment when your Chime balance is more than your XXXX outstanding balance. My outstanding balance was {$100.00}, in my account at the time I had {$21.00} remaining in my checking account. Chimes XXXX service took my {$21.00} out of my checking account without my permission and it wasnt more than my outstanding balance. I called Chime to address the issue and they told me that the policy had changed back in XXXX that XXXX will take anything from my account whether its a partial payment or not and can no longer manually make payments on my own. Its XXXX and what they told me is not the information on the app. The app says if I have more than the outstanding balance which was {$100.00} then I can make a manual payment or they can take it automatically. My account was not over {$100.00} and they still took the money I had left in my account. They do not want to return the money even though I stated to them what their app says under the XXXX outstanding balance section. Im very frustrated with chime because they have been doing shady business. The company is an American company based out of XXXX  but every time I call its someone with a heavy XXXX XXXX  accent, so heavy to the point I can barely understand them. I talked to XXXX different people hoping for a clear speaking XXXX accent/language. The supervisor I spoke to has a XXXX XXXX accent as well. I dont understand why the company is like this but to me its a scam and misleading to have something stated on the app but told something completely different over the phone. If the policy so called changed back in XXXX, why isnt it updated with the same information in the app. Very confusing to customers and very misleading and false advertising. Chime do better. I will be closing my account after XXXX years of use once its back on full terms with the account back positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I XXXX XXXX, reached out to Chime on XXXX to report scam charges that occurred this year and reporting transactions with different types of merchants that was stealing money off my card during the time I had a open account with Chime when I reported these transactions with the dispute team and talked to one of the Chime dispute agent about if they receive evidences on dispute transactions, I sent in screenshot copies of a thread of conversation between me and the merchant to prove that they did not fix a vehicle. They scammed me out of money and charged my card previously times I asked for Chime to help me verify if they received the documents that they claimed I didnt send in. Im being penalized for asking if they can send me something showing I sent them evidence that I emailed them on several occasions when I had to verify information with them by uploading my evidence to the Chime app I am upset with Chime on the closing of my account due to me filing disputes that were unauthorized and not being investigated with proof that I sent to Chime during the time of my dispute! Now they want to close my account because I am asking for information from them to see if they received all the supporting document screenshots and emails that I sent them. Im asking someone to please investigate this matter.!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: SD

Complaint narrative:
Product : Money transfer / digital wallet Company : Block, Inc. ( Cash App ) Issue : Funds frozen / account closed with balance remaining Amount involved : {$590.00} Account type : Personal account My name is XXXX XXXX. Cash App ( Block, Inc. ) closed my personal account associated with cashtag XXXX XXXX and email XXXX, while retaining a balance of {$590.00}. 

Cash App has frozen my funds following receipt of multiple payments and has failed to release my money or provide a lawful written explanation for the continued hold. 

This conduct appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693f ) and Regulation E ( 12 C.F.R. 1005.11 ), which require financial institutions to promptly investigate, resolve, and provide written notice regarding issues involving consumer fund access. 

Cash App has failed to complete a timely investigation, failed to provide written notice explaining the legal basis for withholding my funds, and failed to return or transfer the remaining balance. A vague allegation of suspicious activity does not authorize indefinite retention of consumer funds under federal law. 

I am requesting immediate release of my funds or written documentation identifying the specific legal authority permitting Cash App to retain my money. If the funds are subject to reversal or law enforcement action, I request written proof. 

I respectfully request CFPB assistance to compel Cash Apps compliance with applicable federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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