vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am filing this complaint because Citizens Bank refused to investigate a {$10000.00} unauthorized electronic fund transfer on my account. I submitted fraud claims multiple times, and Citizens Bank denied every claim solely due to timing, without performing the investigation required under Regulation E. 

I did not authorize this transaction, did not benefit from it, and it qualifies as an unauthorized EFT under 12 CFR 1005.2 ( m ). 

Despite this, the bank denied my claim 4 separate times with the exact same reasoning : timing. No investigation was performed, and no evidence was provided. Citizens Bank refused to follow federally required procedures for handling unauthorized electronic fund transfers. 

Citizens Bank violated multiple sections of Regulation E ( 12 CFR 1005 ) and the Electronic Fund Transfer Act ( EFTA ) : The bank refused to conduct any investigation and repeatedly denied my claim due to timing only. 
Regulation E requires a reasonable, good-faith investigation. Timing does not remove the banks duty to investigate. 

The bank incorrectly claimed that my report was too late, and used timing as the basis to refuse an investigation. 
The 60-day rule affects liability, not the banks obligation to investigate or determine authorization. 


The bank exceeded the 10-business-day investigation window yet never issued provisional credit. 
Because they refused to investigate, they also avoided giving provisional credit, which violates the law. 


Citizens Bank refused to provide copies of the documents or evidence they relied on to deny my claim. 
They provided no merchant documents, logs, or authorization proofonly the statement that timing caused the denial. 

By misrepresenting my rights under Regulation E, denying the claim without investigation, and repeatedly giving incorrect legal information, Citizens Bank engaged in conduct that may violate : 12 U.S.C. 5531 ( UDAAP ). 


I request that the CFPB : Require Citizens Bank to reopen the claim and conduct a proper Regulation E investigation. 
Require the bank to provide all records and documents used in any determination. 
Require a full refund of the {$10000.00} unauthorized transaction, consistent with EFTA.

Review Citizens Banks practices, as multiple denials solely due to timing suggest a broader non-compliant pattern. 

Citizens Bank has repeatedly refused to follow federal law. All four denials were based solely on timing, which is a direct and clear violation of Regulation E. I am requesting CFPB assistance to enforce my rights under the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I had a case of identity theft in XXXX, I submitted police report and FTC report as well as everything else that was required to identify me. Transunion removed the fraudulent account from my credit report, however, It is reporting again and I was never notified of the reinsertion. XXXX  and XXXX  have fixed this problem and are no longer reporting this fraudulent account, however, Transunion is still reporting it and it has caused me to be rejected on a home loan application and now my dream home is sold.

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 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: CA

Complaint narrative:
In XXXX of XXXX, when I was only XXXX XXXX XXXX ( a minor ), I signed up for XXXX and their XXXX. I paid approximately {$600.00} of a {$1200.00} debt but never completed treatment. 

On XX/XX/XXXX, I emailed XXXX support asking to pause my payments because of financial hardship during the pandemic. I have attached that email. They never responded or paused the plan, or closed my account. 

I had no idea the account was still open or that payments were still being demanded. I only found out years later when a collector contacted me. 

In XX/XX/XXXX, XXXX shut down and went bankrupt without ever finishing my treatment or notifying me properly. 

Because I was a minor when I signed up, because I asked to pause/cancel in XXXX, and because the company went out of business without delivering the service, this debt is not mine. 

I want the remaining balance canceled, all collection stopped, the {$600.00} I paid refunded if possible, and this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I sent written debt validation requests beginning in XX/XX/year> and again on XX/XX/year> regarding multiple alleged American Express accounts. 

Validation has never been lawfully completed. The collection law firm retained by American Express XXXX XXXX XXXX XXXX, XXXX. ) responded only with photocopies of billing statements and a generic cardmember agreement. This does not legally satisfy validation requirements under FDCPA 1692g ( b ), as no proof of ownership, chain of title, sworn custodian affidavit, or evidence of lawful standing was provided. 

Despite the lack of validation, American Express has permitted continued collection activity including attempted lawsuit service by their retained law firm. 

American Express remains responsible for the actions of its agents and for the continued furnishing of inaccurate and disputed information to consumer reporting agencies. 

I have provided FOUR written notices disputing this debt. The statutory collection freeze remains in effect. 

I am requesting immediate intervention by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ME

Complaint narrative:
XX/XX/year> On this date unauthorized transactions were made on my account starting at XXXX eastern time. A total of {$100.00} was taking out of my XXXX checking account by way of my XXXX virtual debit card. There were a total of XXXX transactions that were put into a XXXX XXXX account. This is not the first time that this happened, iv found numerous other transactions that were made to bogus companys. The only reason I cought these transactions was cause I was sick that day. On a normal day I have at least a dozen transactions, this day those were the only ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: TN

Complaint narrative:
A service tried taking money from my bank account with chime without actually showing the payment amount or a actual check out paige and auto withdrew cash and when I disputed it. I even told chime I did not use the service and even canceled it on the same day and wanted a refund and chime denied it. {$96.00} was taken for something that I never used and canceled on the same day immediately after I seen the charge pop up on chime. There for I never got the service and nor did I use it. And it was dash pass for a year under its highest version. Again I never used it and did not make a order with it. And canceled it directly after they tried charging me for it with no actual paige to show cost or check out it auto took the cash. Yes I would like this matter taken to court and both companies sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX Account number XXXX Account type XXXX  XXXX  Date opened XX/XX/XXXX Balance {$430.00} Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX  Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
Chime closed my account because they said I didnt comply with regulations and when I called may of times asking what I wasnt in compliance with they had no answer. And I asked if I could speak to someone who has an answer and they still Couldnt provide that so it was totally out of the blue and I dont know why and also my money is being held and I havent gotten my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX Account number XXXX Account type XXXX  XXXX  Date opened XX/XX/XXXX Balance {$430.00} Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I AM REPORTING SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR RECOGNIZE. THESE INCLUDE : XXXX XXXX  XXXX XXXX ( XX/XX/year>, EXPERIAN ) XXXX ( XX/XX/year>, EXPERIAN ) XXXX XXXX ( XX/XX/year>, TRANSUNION ) XXXX XXXX ( XX/XX/year>, TRANSUNION ) XXXX XXXX XXXX XXXX XX/XX/year>, TRANSUNION ) XXXX XXXX XXXX ( XX/XX/year>, EXPERIAN ) XXXX XXXX XXXX A ( XX/XX/year>, EXPERIAN ) XXXX XXXX ( XX/XX/year> XXXX EXPERIAN ) XXXX XXXXXXXX ( XX/XX/year>, EXPERIAN XXXX XXXX XXXX XXXX XXXX ( XX/XX/year>, EXPERIAN XXXX XXXX ( XX/XX/year>, EXPERIAN ) I DID NOT APPLY FOR CREDIT WITH ANY OF THESE ENTITIES. I REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE REMOVED. I ALSO FILE AN FTC REPORT NUMBER 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 2025-11-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I AM REPORTING SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE OR RECOGNIZE. THESE INCLUDE : XXXX XXXX  XXXX XXXX ( XX/XX/year>, EXPERIAN ) XXXX ( XX/XX/year>, EXPERIAN ) XXXX XXXX ( XX/XX/year>, TRANSUNION ) XXXX XXXX ( XX/XX/year>, TRANSUNION ) XXXX XXXX XXXX XXXX XX/XX/year>, TRANSUNION ) XXXX XXXX XXXX ( XX/XX/year>, EXPERIAN ) XXXX XXXX XXXX A ( XX/XX/year>, EXPERIAN ) XXXX XXXX ( XX/XX/year> XXXX EXPERIAN ) XXXX XXXXXXXX ( XX/XX/year>, EXPERIAN XXXX XXXX XXXX XXXX XXXX ( XX/XX/year>, EXPERIAN XXXX XXXX ( XX/XX/year>, EXPERIAN ) I DID NOT APPLY FOR CREDIT WITH ANY OF THESE ENTITIES. I REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE REMOVED. I ALSO FILE AN FTC REPORT NUMBER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX. 
I am filing a complaint because OneMain Financial is reporting inaccurate, incomplete, and legally improper information to the credit reporting agencies despite the fact that my account was PAID IN FULL, the judgment was fully satisfied, the judgment was VACATED, and all liens/claims were released by court order. 

SUMMARY OF THE ISSUE OneMain Financial continues reporting a charge-off, negative pay status, and delinquency codes on my credit reports, even though : I paid off the judgment in full The court entered an official Satisfaction of Judgment The judgment was VACATED OneMain filed a Release of XXXX  The case is legally closed All of this is confirmed in court documents stamped and filed by the XXXX XXXX XXXX Illinois XXXX XXXX XXXX Case No. XXXX ). 

WHY THIS IS A PROBLEM Even after receiving : Proof of payoff A court order A vacated judgment And a released XXXX OneMain still reports derogatory information, including : Account paid in full / was a charge-off Charge-off status in the Pay Status field Incorrect derogatory codes Inaccurate balance history Incorrect removal date Past-due information even though the judgment is vacated This is false, misleading, and harmful. 

THE LAW THEY ARE VIOLATING This violates multiple sections of the Fair Credit Reporting Act : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) Duty to correct and update FCRA 623 ( a ) ( 8 ) Failure to reasonably investigate a direct dispute FCRA 607 ( b ) Maximum possible accuracy FCRA 611 CRA reinvestigation duties A vacated judgment can not be reported as delinquent, charged-off, or derogatory under federal law.

HOW THIS IS AFFECTING ME OneMains false reporting has : Lowered my credit score Caused credit denials Increased my interest rates Damaged my ability to secure housing and transportation Created emotional and financial stress Misrepresented my legal record XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MO

Complaint narrative:
Global Lending Services failed to send required monthly billing statements for at least three consecutive billing cycles. After a repossession incident during the summer, no periodic billing statements were mailed for the following months, even though the account had an outstanding balance and a payment schedule.

Under the Truth in Lending Act and Regulation Z, a creditor must send a periodic billing statement for every billing cycle in which a balance exists, interest accrues, or a payment is due. Because no periodic statements were sent for multiple months, no payment was legally due during those billing cycles.

Despite failing to provide any billing statements, the company recently issued a delinquency notice claiming the account was several months past due. This violates Regulation Z 1026.7 ( b ) ( 11 ), which prohibits a creditor from treating a payment as late unless they provided a statement showing the amount due and the due date for that cycle. 

If the company has furnished any negative credit information during the months in which no billing statements were provided, this would also violate the Fair Credit Reporting Act because the information would be inaccurate and incomplete.

I am submitting this complaint because the creditor did not follow federal billing requirements, issued a delinquency notice without providing the legally required billing statements, and may be reporting inaccurate delinquency information. I am requesting that the creditor correct the billing cycles, provide accurate statements, remove any improper delinquency reporting, and bring the account into full compliance with TILA, Regulation Z, and the Fair Credit Billing Act.

Company response to consumer: Closed with explanation