vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I applied with Ally to refinance my auto loan in XXXX. I was told my income would need to be verified, and I provided extensive documentation up front : bank statements, workers compensation disability pay stubs, and self-employment income records.

Before even verifying my income, Ally required me to have multiple documents notarized at my own expense, including DMV release paperwork for my previous co-signer on the original loan. They supplied a XXXX  label and instructed me to send the notarized originals before they would proceed. 
After submitting those notarized documents, Ally repeatedly changed the requirements. They asked for a XXXX tax return even though my business was only started in XXXX. Then they demanded a CPA-prepared financial statement, which cost me additional money to obtain. 
Despite complying with these expensive and time-consuming requests, Ally ultimately denied my loan application. At no point did they review my actual income before forcing me to incur these costs. I believe XXXX process is unfair and misleading consumers should not be required to pay for notarizations or CPA-prepared statements until underwriting has verified income and determined that the loan is otherwise approvable. 
This process wasted my time, caused unnecessary financial costs, and left me without the refinance I was approved for in principle. I am asking the CFPB to review XXXX practices to ensure consumers are not subjected to unreasonable, costly requirements before basic underwriting is completed. I also want reimbursement for my notary fees and accountant fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation.

Account Details : 1. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
CFPB Complaint Narrative Charge-Off Reported by Bank of America XXXX XXXX Description of the issue : * * On XX/XX/year>2024, Bank of America reported a charge-off in the amount of {$13000.00} to all three major credit reporting agencies ( XXXX XXXX and XXXX XXXX. 
Prior to that date, I took the following actions : - XX/XX/scrub> 2024 : I called Bank of America customer service to request clarification about the balance and possible payment options. I was informed the account was closed and that I should wait for written communication.- XX/XX/year>2024 : I sent a written letter requesting validation of the debt under the Fair Credit Reporting Act ( FCRA ). I did not receive any response.- XX/XX/year>2024 : I received a statement with conflicting information regarding the original balance and applied payments. 
* * Actions after the charge-off was reported : * * - XX/XX/year>2024 : I contacted Bank of America again to request documentation verifying the amount, the dates, and the legality of the charge-off. As of today, I have not received any verifiable evidence supporting the accuracy of the reported information. 
* * What I am requesting : * * - That the CFPB investigate the accuracy of the charge-off reported by Bank of America.- That Bank of America provide verifiable documentation of the amount, dates, and any required notices sent prior to reporting.- If such documentation does not exist, I request the immediate removal of the charge-off from my credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 )

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 2025-09-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Can not figure out how or where to use this digital gift card. The number doesn't work on websites, and can't use tap to pay. After trying so many different places, I came across a forum thread where tons of people have issues with this exact thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered multiple unauthorized hard credit inquiries listed on both my TransUnion and Experian credit reports. These inquiries were not initiated or authorized by me and were placed despite a fraud/security alert already filed on my reports. Under the Fair Credit Reporting Act ( FCRA ) 604, no permissible purpose existed for these inquiries.

I contacted the credit bureaus to dispute these inquiries, but they have continued reporting them without providing proof of my consent, such as a signed application or written authorization. This violates FCRA 611 ( failure to conduct a reasonable reinvestigation ), FCRA 605A ( failure to follow fraud alert procedures ), and Metro 2 compliance standards, which require accuracy and verifiability.

These unauthorized inquiries have negatively impacted my credit score and exposed me to further risk of identity theft.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I made an attempt to reach out to American Express a minimum of 4 times in XX/XX/year> in order to make a payment on XXXX accounts I have with them. I was not able to make a payment to them neither time. Customer service representatives would offer me a settlement amount but hang up in my face before I was able to make a payment. After the first XXXX times this happened I decided to record our phone call on my end because in the state of Alabama it is a XXXX party consent to record phone conversations and American Express had given the disclaimer. I uploaded the phone call to XXXX so all parties could listen to the call. This is the first account number XXXX. This is the second account number XXXX. 

This is the link to the fourth phone call when I was finally able to record the conversation XXXX XXXX XXXX 

Please get a human to listen to the phone call and verify the information from my complaint. 

My consumer rights under the Fair Credit Billing Act, FCRA, and FDCPA were violated.

I need your assistance as I am homeless and these XXXX accounts are stopping me from getting housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Company : Shellpoint Mortgage Servicing ( NewRez LLC ) Loan number : XXXX Product : Mortgage Issue : Escrow/impound account servicer failed to pay property taxes > Shellpoint failed to pay my XXXX  XXXX XXXX XXXX real estate taxes ( bill # XXXX, Parcel # XXXX ) despite collecting escrow funds. I was forced to pay {$3800.00} on XX/XX/year>. On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , issued check # XXXX to XXXX XXXX Refunds ( XXXX XXXX XXXX, XXXX, TX XXXX ) with instructions to return funds to my Shellpoint escrow account. To date Shellpoint has not credited or refunded this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Miller Davis & Peoples
State: CA

Complaint narrative:
Im being given a deadline to respond by a strangercompany i never signed papers with or did business with.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
To protect my account from unauthorized withdrawals, Chime Bank and XXXX XXXX, XXXX. agreed to send me a code to my phone either by text or phone call and once received I would send the code back to Chime Bank. After receiving the code back, Chime Bank would go to the next step and send a code to my email. Once I received the code, I would send the code back to Chime Bank and then and only then would Chime Bank and XXXXXXXX XXXX  XXXX. authorize the withdrawal. 
On XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, I received my social security direct deposit of {$4100.00} into my Chime Bank account. 
On XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, I changed my password and Chime Bank sent me a text notice to my phone. 
On XX/XX/year> at XXXXXXXX XXXX XXXX, an unknown person by the name of $ XXXX XXXX withdrew {$200.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. 
On XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, an unknown person by the name of $ XXXX XXXX withdrew {$2500.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. 
On XX/XX/year> at XXXX XXXX XXXXXXXX, an unknown person by the name of $ XXXX XXXX withdrew {$500.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. 
On XX/XX/year> at XXXX am XXXX, an unknown person by the name of $ XXXX XXXX withdrew {$200.00} and Chime Bank XXXX XXXX send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. 
On XX/XX/year> at XXXXXXXX XXXX XXXX an unknown person by the name of $ XXXX XXXX withdrew {$50.00} and Chime Bank failed to send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. 
On XX/XX/year> at XXXX am XXXX, an unknown person by the name of $ XXXX XXXX withdrew {$5.00} and Chime Bank XXXXailed to send a code to my phone and allow me to send the code back to Chime Bank to allow the withdrawal. 
A total of {$3400.00} was withdrawn form my Chime Account without my authorization. I filed a dispute with Chime Bank and they denied the dispute. I asked then how did XXXX XXXX gain access to my account. They refused to answer this question in spite of the fact that Chime Bank knew that I did not give XXXX XXXX or any other person my password.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
I am writing to formally report serious inaccuracies and fraudulent reporting on my credit file. 

Identity Theft : Certain accounts being reported do not belong to me. I have been a victim of identity theft and have already filed an FTC Identity Theft Report documenting this matter. 

Companies Reporting False Information : Specifically, XXXX XXXX XXXX XXXX XXXX and Green Dot are furnishing false and unverified information to Experian. These accounts have not been fully verified or validated as required under the law. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) requires that a consumer reporting agency conduct a reasonable reinvestigation of any disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting inaccurate or unverifiable information.

FCRA 605B ( 15 U.S.C. 1681c-2 ) requires a consumer reporting agency to block the reporting of information resulting from identity theft within 4 business days of receiving a valid identity theft report and proof of identity.

As I have already submitted my FTC Identity Th
eft Report, Experian, Equifax and Transunion is obligated under 605B to block the fraudulent information within 4 business days. If the information can not be verified, it must be permanently deleted from my credit file.

I am requesting that the Consumer Financial Protection Bureau
immediately investigate these violations and ensure Experians compliance with federal law.

Enclosed are copies of my FTC Identity Theft Report and supporting documentation.

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 2025-09-28 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:
I am writing to formally report serious inaccuracies and fraudulent reporting on my credit file. 

Identity Theft : Certain accounts being reported do not belong to me. I have been a victim of identity theft and have already filed an FTC Identity Theft Report documenting this matter. 

Companies Reporting False Information : Specifically, XXXX XXXX XXXX XXXX XXXX and Green Dot are furnishing false and unverified information to Experian. These accounts have not been fully verified or validated as required under the law. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) requires that a consumer reporting agency conduct a reasonable reinvestigation of any disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting inaccurate or unverifiable information.

FCRA 605B ( 15 U.S.C. 1681c-2 ) requires a consumer reporting agency to block the reporting of information resulting from identity theft within 4 business days of receiving a valid identity theft report and proof of identity.

As I have already submitted my FTC Identity Th
eft Report, Experian, Equifax and Transunion is obligated under 605B to block the fraudulent information within 4 business days. If the information can not be verified, it must be permanently deleted from my credit file.

I am requesting that the Consumer Financial Protection Bureau
immediately investigate these violations and ensure Experians compliance with federal law.

Enclosed are copies of my FTC Identity Theft Report and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
These accounts are not mine. I have never opened an account with this creditor, and I believe this may be a case of mistaken identity, merged credit file, or potential identity theft.

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or unverifiable. Please provide me with the results of your investigation in writing.

Please complete your investigation within the 30-day timeframe as required by the FCRA and confirm the removal of any inaccurate information.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in negotiations regarding a first time homebuyer loan. However, the hendrance is that Experian is showing that I have an open dispute which is preventing the loan officer from proceeding with the process. I have tried contacting Experian to no avail. Im just constantly sent to their online experience. This is preventing me from obtaining lending and I want the alleged open dispute closed immediately!

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AR

Complaint narrative:
It was about 2 months ago I'm not sure of the exact date but I had bought a new phone and I wish transferring all my information over to my new phone and because I still had the cash app on my old phone and I tried to log in on the new phone it automatically just close my account saying it was fraud and I don't understand that. I tried to reach out to the chat to speak with someone and all I was told is to email this site. They also told me to attach this XXXX XXXX ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year>, I was called by a Navy Federal impersonator explaining that there was fraudulent activity in my account based in Florida and that in order to remain safe from any more potential fraudulent activity, I need to clear my account, send the money from my Navy Federal account into my XXXX Pay account and then send all of the money that I just put into my XXXX Pay account into a Account number given to me by the impersonator that I was told was my temporary new debit card. After going through all of this, I realized I was scammed as I can hear the people in the back laughing, when I told these folks I would call the police and get my money back. They read me some of my own personal contact information and said they would kill me if I reported this to the authorities. The exact amount was 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 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
STATE WIDE IS STILL REPORTING ON MY CREDIT REPORT FOR A CAR THEY GOT BACK AND SOLD,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX, XXXX, I contacted Chase Bank regarding the removal of PMI from my mortgage. After three separate phone calls that day, I was instructed to pay a {$190.00} appraisal fee. I explained that this seemed unnecessary since my original appraisal in XXXX valued the property at {$190000.00}, my original loan was {$160000.00}, and my current loan balance is {$140000.00}. Based on market trends and municipal assessments, my home is currently valued at approximately {$270000.00} ( before renovations, which I submitted to Chase ). By these numbers alone, I should qualify for PMI removal. 

Despite this, Chase refused to proceed without an appraisal. They required me to wait for a mailed letter, submit the {$190.00} fee, and return documents via mailan outdated process that appears designed to delay PMI cancellation while continuing to charge me {$57.00} monthly. 

Chase cashed my appraisal check on XX/XX/XXXX. However, I was not contacted until XX/XX/XXXX, when I received an email asking questions that I had already answered in my appraisal application. When I called for clarification that same day, I was repeatedly hung up on by Chase representatives. I was transferred multiple times and eventually reached the executive office, who told me they could not explain the delays and would need another week to provide any answers. I spent 1 hour and 38 minutes on the phone that day without resolution.

During this entire process, Chase has continued to collect PMI payments, despite my clear eligibility for cancellation under the Homeowners Protection Act. Chase representatives also stated on recorded phone calls that their PMI department is located outside the XXXX and that they could not control how long the process would take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I owed XXXX  phone bill but I canceled everything before the due date because I didnt want them as my phone carrier, I payed the bill before, I cancelled it but they keep contacting me to pay, I returned the phone too and everything. I asked to dispute but I got no answer, the amount was XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: UT

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, and they are negatively affecting my credit profile. 
The following inquiries are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two separate inquiries ) 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  These inquiries were not authorized by me, and under the Fair Credit Reporting Act ( FCRA ), I respectfully request that they be removed from my credit file.

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