vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On or about XX/XX/XXXX a payoff amount was requested. The amount given in the letter was {$1000.00} good through XX/XX/XXXX. On XX/XX/XXXX {$400.00} was applied, on XX/XX/XXXX {$1000.00} as applied, on XX/XX/XXXX {$500.00} was applied, on XXXX {$300.00} all was applied to Ln # XXXX. On XX/XX/XXXX account shows {$300.00} as unapplied funds. On XX/XX/XXXX company issued a check # XXXX for {$300.00}, my account showed a balance of {$400.00} due, which was then reversed on XX/XX/XXXX additional principal and late fees have since been added, even after many calls and written requests to investigate this problem. The check issued by Rushmore was returned via certified receipt mail, for which a receipt was received signed by XXXX XXXX on XX/XX/XXXX. This check was never cashed by me. This is not the first and only time I had a problem with misapplied funds and late fees and other service fees added to my account without cause or explanation. This company has now reported my account past due and caused a problem with my credit rating. This company refuses to investigate or apply funds already in their possession causing me undue stress with the harassing calls, emails, and erroneous credit reporting of missed/late payment. They are now harassing me with phone calls all hours of the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
This company is charging a 490 % interest rate. That should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am sending to bring to your attention about inaccurate information appearing on my credit report that was not associated with my verified identity or financial history. This error involve inaccurate names andd addresses and charge-off accounts that had been inaccurately reported. I am requesting that these account be immediately blocked and permanently deleted from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
INACCURATE NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance {$6700.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am sending to dispute inaccurate personal information that has appeared on my credit file. This includes both incorrect names and addresses that do not belong to me and have never been associated with my credit history. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate blocking and permanent deletion of these inaccurate items.

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 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
this complaint is in reference to a complaint I submitted about XXXX weeks ago ( XXXX ) in regards to Ally Financial Services withdrawing money from my bank account for future car payments, as well as payments already received, without my knowledge or permission. Shortly after the CFPB contacted Ally, I began to receive via phone, text and emails, threatening to reposes my vehicle unless I pay them immediately. I would happily pay them for the months I owe, however when they went into my bank account they cleaned me out and sent my balance into the negative. My account still has not recovered and I had to borrow Money to make rent this month thanks to this event. If I knew this is what the future was going to look like, I would nit have spent thousands of dollars last month making repairs to the vehicle ( XXXX windows including windshield replacement and recalibration, XXXX tire replacement ) and body damage that I sustained this week alone from a hit and run, I would let them reposes this XXXX  XXXX car and let those XXXX eat the cost of repairing the vehicle. When Ally credited the money back to my account it mostly went to brining my balance above XXXX, so now I can't even make them XXXX legitimate payment. They have done to me twice in less than 6 months. I do not know why they think they can operate with XXXX XXXX, someone needs to hold them accountable. There is no way I am the first person they have tried to exploit, embarrass, degrade and gas light, there are certainly others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I was at the XXXX XXXX gas station in XXXX XXXX, South Carolina when I got a fraud notification from Bank of America BofA XXXX : XXXX, your credit card ending in XXXX was used at : XXXX # XXXX, {$160.00}, Declined, XX/XX/year>. 
Did you authorize this activity? Reply YES or NO. 

I responded no as I did not buy anything from XXXX and when I checked my credit card account I saw XXXX charges from XXXX different XXXX XXXX stores all in Florida for almost identical amounts ( {$160.00}, {$160.00}, {$160.00} ). I immediately locked my credit card and reported these as fraud as I did NOT make these purchases and I was in South Carolina and do not frequent Florida often. Bank of America now told me on XX/XX/XXXX they are not approving my fraud claim. The letter says XXXX, we're unable to approve your recent claim. 
Based on your account history, this charge is consistent with previous charges with this merchant.. I do not live or work in Florida and was not there to make these XXXX different purchases. The letter from Bank of America simply said they are not approving the claim and gave me no other options to prove that I did not make these out of state charges and someone else used my credit card information to do this.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Again KIA states they are doing a complete and accurate investigation yet there are still reporting inaccurately. They want me to do there job which I have numerous times including the last complaint that I included documentation to show they are mixing several accounts and names and reporting it inaccurately on my credit report which is reflecting negativitly and causing financial credit hardship for me. They are bullying me at this point with the same threating responses that they are correct but there own documentation shows otherwise so now I officially request that I would like to dispute under FCRA section XXXX ( a ) ( XXXX ) METHOD OF VERIFICATION REQUEST I am writing to dispute the accuracy and completeness of the following account ( XXXX ) Kia on my credit report. This letter serves as a formal request for reinvestigation again under section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) ACCOUNT NAME : KIA ACCOUNT NUMBER : XXXX REASON FOR DISPUTE : Accout is being reported inaccurately and incompletely. 

Please provide the method of verification as required under Section XXXX ( a ) ( XXXX ) of the FCRA. Specifically, provide the name, address, and telephone number of the party that verified all the information now and in the past XXXX other complaints filed and copies of all documents you relied upon during the reinvestigation. 
If you can not verify the accuracy of the information within XXXX  days, you are required by law to delete the disputed item from my credit file. Furthermore you will not be under XXXX XXXX compliance if reporting inaccurate information. Again the information disputed is to be removed from my credit file immediately. Under FCRA regulations credit reporting bureaus can only reported information that is verified, complete, and accurate. 
I would also due to the severity of numerous inaccurately reporting that they have been notified of and given documentation but chose to disregard it I will be pursuing legal action under The federal law that allows you to sue a company ( as a data " furnisher '' of information ) for reporting incorrect information on your credit report after numerous attempts to correct it is the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. {$1600.00} et seq, thank you for your immediate assistance and removal of all account information from all XXXX credit reporting agencies.

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 2025-11-13 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: PA

Complaint narrative:
I am submitting this complaint, I have discovered certain entries that I believe are erroneous or unsupported by accurate information. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and entitled to dispute inaccuracies on my credit report. I request that these items be remove as soon as possible to ensure my credit report is accurate and up-to-date. 
Firstly, I noticed that my report lists the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This is incorrect. My current address, which has been verified and updated, is XXXX XXXX XXXX XXXX XXXX, PA XXXX. I respectfully request that this address be removed and replaced with my correct address as per the information I have on file with you. This removal is necessary under FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates that consumer reporting agencies investigate and correct any inaccurate or incomplete information. 
There are multiple charge-offs listed on my report, but I believe that some of these may be inaccurate or outdated : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$60.00} XXXX XXXX  WSFS CHEK XXXXXXXX XXXX XXXX Balance Owed : {$71.00} * * These charge-offs are incorrectly reported, and I request that they be investigated and remove. I am requesting that all of these accounts be verified under FCRA XXXX ( a ) ( XXXX ) ( XXXX U.S.C. XXXX ), which obligates furnishers to report accurate information and update records when necessary. 
Additionally, there is a charge-off reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4100.00} * *, which I understand to be resolved and is not accurately reflected. Please update this entry and adjust it in accordance with IRS XXXX, which should provide guidance on debt cancellation. A XXXX form was issued for this account, and as such, the balance of {$4100.00} should no longer be reported as an outstanding debt. Under FCRA XXXX ( XXXX U.S.C. XXXX ), information that is legally cancelled or XXXX should not continue to affect my credit report.Lastly, there is an inquiries listed for XXXX XXXX XXXX  dated XXXX, XXXX XXXX XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XX/XX/year> '' This inquiry is associated with a dispute that I am not aware of and may be in error. Please confirm whether this inquiry is valid and whether it was authorized, as I would like to ensure it is remove reported in accordance with FCRA XXXX ( XXXX U.S.C. XXXX ), which stipulates that inquiries must only be made with proper consent.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
following account was opened fraudulently without my knowledge or authorization and is a direct result of identity theft. I require immediate blocking and permanent deletion of this information under FCRA Section XXXX ( XXXX U.S.C. 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
The Chime mobile application is using deceptive user interface designs ( " Dark Patterns '' ) to mislead consumers regarding the immediate availability of direct deposit funds. 
On XX/XX/year>, the Chime application displayed a large, bold headline stating " It's payday '' accompanied by a green active status light. A reasonable consumer interprets this specific phrasing and visual cue as a confirmation that funds are liquid and available for use. However, no funds were available. 
When I contacted Chime Support ( Agent " XXXX '' ) to verify this status, the agent explicitly admitted in writing that the " It's Payday '' notification was generated because " the system familiarized it '' ( an algorithmic prediction ) and not because a payment file had actually been received. Despite admitting it was a guess, the app presented it as a confirmed financial event. 
Furthermore, the algorithm Chime uses to make these " predictions '' is demonstrably false based on my transaction history : XXXX. False Frequency : The app lists my pay frequency as " Every XXXX Weeks '' ( XXXX ). My actual schedule is XXXX ( XXXX XXXX ). This failure to distinguish between standard pay schedules results in false date projections. 
XXXX. False Pattern : The app states deposits " Usually arrive Wednesday. '' My account logs prove this is false ; in the last XXXX cycles, only XXXX deposit arrived on a Wednesday. 
Chime is disguising an inaccurate prediction engine as a live banking status. By telling users " It's Payday '' when the bank does not possess the funds, they are creating a material risk of overdrafts and financial mismanagement for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as XXXX XXXX XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute submitted on XX/XX/year>, about the XXXX XXXX XXXX XXXX & XXXX BANK XXXX. The furnisher has already confirmed that it lacks the documentation necessary to verify the account and agreed to remove it. Despite this, Experian continues to report the account and has failed to provide the written reinvestigation results within the required XXXX period under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This constitutes noncompliance with federal law and has caused ongoing harm to my consumer credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theftM i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

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 2025-11-13 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: LA

Complaint narrative:
I recently reviewed my credit report and identified several collection accounts and inquiries that appear to be inaccurate or may not belong to me. I am formally requesting a reinvestigation of these items and the removal of any account or inquiry that can not be verified as accurate or authorized. 
The accounts and inquiries in question include : 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 XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute the accuracy, completeness, and legitimacy of these collection accounts and inquiries. The FCRA requires that consumer reporting agencies conduct a reasonable reinvestigation of any disputed info

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 2025-11-13 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: DE

Complaint narrative:
I am submitting this complaint against Experian for reporting multiple unauthorized hard credit inquiries on my credit report. I have no knowledge of these inquiries, and I did not apply for credit or give authorization to any of the listed companies to access my credit file. I believe these inquiries were made in error or as a result of possible identity theft. 

Despite my attempts to verify and dispute these entries directly with Experian, the inquiries remain on my report, negatively impacting my credit score and reputation. I am requesting that Experian be instructed to investigate and remove these unauthorized inquiries immediately in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Here are the unauthorized inquiries appearing on my Experian report : 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 XXXXXX/XX/year>

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