vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
On XX/XX/year>, I was charged {$490.00} by a company called XXXX for a service that I never authorized to continue. Their team initially reached out to me directly, offering a free trial, to which I agreed under the clear understanding that I would not be charged unless I explicitly chose to keep the service. 

Prior to the charge, their representative XXXX XXXX XXXX explicitly stated in writing that I would only be billed if I decided to keep it. I never gave such consent, and I was ultimately dissatisfied with the product, which led to financial losses when using their betting tool. 

I contacted the company shortly after the charge to request a refund, but they refused. Then, approximately XXXX days after the charge was authorized through my bank, XXXX abruptly closed my account, completely cutting off my access to the serviceeven if I had wanted to use it ( which I did not ). As a result, I was charged {$490.00} without consent, denied a refund, and denied access to the product I was billed for. 

I then filed a formal dispute with my bank, Chime ( Dispute # XXXX ). Despite submitting supporting evidence that the charge was conditional and unauthorized, Chime denied the claim. 

At this point, I have paid {$490.00} for a service I did not consent to, was refused a refund, lost access to the product, and was effectively scammed. I am seeking a full refund and accountability for this companys deceptive, misleading, and retaliatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing regarding the account listed below, which is still being reported on my credit file despite being fully paid : Creditor Name : NAVY FCU Account Number : Amount : XXXX Date Paid : XX/XX/XXXX I settled this account in full on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed a fraud claim for {$120.00} on XX/XX/year> that encompassed three separate international transactions made in my name. They were XXXX transportation charges. A quick XXXX search shows that many people have had scam charges placed by the same people : XXXX XXXX XXXX. I did not make these charges. I have not traveled abroad in years. I live in XXXX  Bank of America failed to refund my charges and provided no explanation. Strongly considering cancelling my relationship with Bank of America. I have a credit score of 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 monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I've noticed some unauthorized inquiries on my report that were not authorized by me, and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts within following inquires XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XX/XX/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  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX/ Account # XXXX XXXX/ Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C. 1681, Section 602 ( a ) : Fair and Accurate Credit Reporting is Essential Congress recognizes that the banking system depends on accurate credit reporting.

Inaccurate reports harm financial efficiency and undermine public confidence.

Consumer Reporting Agencies Play a Vital Role These agencies assemble and evaluate consumer credit information.

They must exercise their responsibilities fairly and impartially.

Protection of Consumer Privacy The law stresses the need for respecting consumer privacy in credit reporting.

Agencies must follow reasonable procedures to ensure confidentiality, accuracy, and relevancy 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) : A consumer reporting agency may furnish a consumer report only if it is in accordance with the written instructions of the consumer. 

This means that a credit report can not be accessed unless the consumer explicitly authorizes it in writing. 

It protects consumers from unauthorized access to their credit 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed formal XXXX XXXX disputes to Experian, Equifax, and TransUnion challenging several inaccurate and unverifiable items on my credit reports. I am submitting this complaint early because the accounts in question contain obvious legal violations and I am documenting my effort to escalate through proper channels. 



Disputed Accounts and Issues : The accounts below show conflicting payment history, status fields, dates of last activity, and comment sections across the three credit bureaus. These inaccuracies violate XXXX XXXX format standards and federal law, including XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Credit Card Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian only full deletion requested ) XXXX Inquiry XXXX XX/XX/XXXX ( TransUnion unauthorized ) Violations Identified : These accounts are being reported in direct conflict with one another. Some show Paid As Agreed while others report 30 Days Late. Comments and status codes differ, and the number of reported delinquencies is inconsistent. Additionally : No Method of Verification ( MOV ) was provided ( as required under FCRA 611 ( a ) ( 7 ) ).

FCRA 1681e ( b ) has been violated due to lack of maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) entitles me to a full reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) holds furnishers responsible for knowingly reporting inaccurate data.

TILA 1666b was violated if late notations were applied due to payments made on holidays or weekends. 

These errors are materially harming my creditworthiness, and the pattern of noncompliance from the bureaus demands regulatory oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As soon as I realized I was just being romanced scammed which took far too long I reported it to Bank of America in hopes of them investigating my report of being g scammed. I thought at the very least it would be a huge red flag on the scammers account that Bank America would at least see I wasnt the only person she was doing this too. I know this just from making simple phone number search on XXXX because her number has been reported as a scammer by over XXXX different people. Theres absolutely no way my fraud claim was investigated at all by BOFA. If it was investigated thats even worse because that would suggest they are collaborating and or covering up fraud from this person. 
The bank ultimately sent me a letter in the mail stating that no fraud was detected so I guess this person gets away with XXXX XXXX dollars of mine. 
Now a year later I have been getting fraudulent charges from a XXXX winner company I believe just under XXXX XXXX dollars. So I was bank on the phone with Bank of America reporting that on XX/XX/XXXX. They deactivated my debit card reissued a new one and I received a temporary credit 10 days later. I understand the banks have 10 days to investigate a claim but its very difficult eat keep up with health and prescriptions for 10 days that youre left in the negative in checking account. Now Im back on the phone with Bank of America again with fraudulent charges from same company. Some of these charges were made during the time I was waiting to get new debit card in the mail but this time Im being told that these charges were made using my phone through XXXX XXXX. I cant express how stressful it is when I report fraud on my account knowing that no one else has access to my phone and also knowing some charges were made when I didnt have a new debit card yet just for their customer service to tell me my phone was being used to make the purchases. I have been with Bank of America for over 30 years and have never experienced being treated this bad from them. My phone was not used to make these purchases, XXXX XXXX has no record of these purchases being made I didnt make these purchases Im at a loss

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 2025-05-26 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: GA

Complaint narrative:
This complaint is about an inaccurate account listed on my consumer report dated XX/XX/year>. This information is factually incorrect, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is XXXX XXXX, I received an email XX/XX/XXXX, it says that my credit account was cancelled due to " indicia of misuse '', the account and the cash reward are all not eligible for reinstatement. Today ( XX/XX/XXXX ) I called the American Express to query about this, the staff talked with me was pretty impatient and rude, I was told this is their final decision, nothing can be changed. They rejected to answer any questions or concerns I asked. The reality I have been using this credit card since XXXX. I use this card almost every week to buy items from XXXX ... XXXX I almost never file any dispute or claim with AMEX. My credit XXXX credit score is about XXXX, I didn't nothing wrong, but AMEX just cancelled the account with any reason and refused to send my cash reward back ( about $ XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXExperian XXXX XXXXXXXXExperian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

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 2025-05-27 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am reporting Jefferson Capital Systems for continued and unlawful reporting of a fraudulent account on my credit file. The account in question is listed as originating from XXXX CREDIT CARD with a balance of {$890.00}. I have never applied for or opened an account with XXXX, and I am the victim of identity theft. 

To address this issue, I have taken the following steps : I filed a police report regarding the identity theft. 

I submitted an Identity Theft Report with the Federal Trade Commission ( FTC ). 

I directly disputed the account with Jefferson Capital Systems and provided both the police report and the FTC Identity Theft Report. 

I also submitted disputes with all three major credit bureaus ( Equifax, Experian, and TransUnion ), including all supporting documentation. 

Despite these good-faith efforts and the clear protections afforded to me under the Fair Credit Reporting Act ( FCRA ), Jefferson Capital Systems continues to verify and report this account as a valid, outstanding debt. This is a blatant violation of my rights under the FCRA, particularly concerning the proper handling of identity theft disputes and the duty to conduct a reasonable investigation. 

I am requesting that the Consumer Financial Protection Bureau take appropriate action to ensure this account is permanently removed from my credit reports and that Jefferson Capital Systems is held accountable for their noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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