vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime denied my fraud dispute even though I reported it before posting, responded " NO '' to their fraud alerts, and provided proof. They allowed the transaction to finalize and refused provisional credit, violating Regulation E ( 12 CFR 1005 ). I request full reimbursement and written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-04 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MN

Complaint narrative:
Please recheck this entry it arrived past due and looks suspicious.

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 2025-11-04 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: OH

Complaint narrative:
THIS IS MY XXXX TIME formally disputing this following account CHARGE-OFF. I reviewed the following item XXXX XXXX  XXXX. This account is not in compliance with METRO2 standards and violation of FCRA 623a1a XXXX XXXX ERROR DELETE. THIS ACCOUNT IS IN ERROR PLEASE DELETE INCORRECT STATUS XXXX AND PAYING RATING INFORMATION MISSING. The date of First Delinquency ( XXXX ) is missing, inaccurate or has been re-aged to extend the reporting violating 605 ( c ) These reporting inconsistencies materially misrepresent the history and status of the account making the tradeline inaccurate and incomplete under FCRA.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern. My name is XXXX XXXX. Im writing to file a complain against Bank of America for blocking me from completing XXXX  transactions. 
On XX/XX/year> I received an email from Bank of America explaining that my mobile number and email were deleted from XXXX. 
The next day on XX/XX/XXXX, I called Bank of America 's consumer service to try to understand the reason behind this decision, but none of the representatives I talked to were able to give me a clear explanation. 
A few days later a Bank of America representative called me, and his explaination for the reason Bank of America blocked me from making or accepting XXXX transactions was that someone reported me for doing fraudulent transactions. I understand the severity if these claims, however I can attest that these accusations are false as I predominantly use XXXX professionally, as an alternate means of payment for my business ( all of my XXXX transactions can linked back to a booked appointment and service provided ). 
I attempted to contact XXXX XXXX customer service, but was told that I should solve the matter with Bank of America directly as it is the bank that has blocked me from using XXXX. 
I went on to open a Bank of America business account thinking that the matter would be resolved, but it has not been. As a business owner with many customers preferring to pay me by XXXX, I would appreciate that this matter being resolved quickly

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 2025-11-04 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: TX

Complaint narrative:
I hold no connection to these accounts ; kindly delete them within 15 days as USC 1681g dictates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: PR

Complaint narrative:
To whom it may concern, I am being pursued by Receivable Management Services LLC ( RMS ) for an alleged UPS-related debt that I already paid and formally disputed. This debt appears to stem from a shipment connected to an XXXX XXXX XXXX order in which I specifically requested XXXX XXXX XXXX XXXX XXXX  ) terms. The seller failed to comply, and as a result, I personally paid XXXX {$250.00} on XX/XX/XXXX in order to receive my package. 

Attached you will find the following documents supporting my case : a ) UPS receipt showing full payment of {$250.00} made via credit card ; b ) XXXX XXXX confirming a {$100.00} credit issued due to sellers failure to follow XXXX terms ( Claim XXXX XXXXXXXX ) ; c ) XX/XX/XXXX email from XXXX  XXXX  referencing a {$190.00} balance ( appears only in the email body, not as an official invoice ) ; XXXX ) My response to XXXX on XX/XX/XXXX, stating that all charges were paid promptly at delivery and packages were received. 

On XX/XX/XXXX, I submitted all of these materials in a formal written dispute to RMS via email ( email attached ). Despite this, RMS continued with collection activity : On XX/XX/XXXX at XXXX XXXX, Agent XXXX contacted me by phone and was unaware of my XX/XX/XXXX dispute. On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX called and claimed XXXX had appealed my dispute and that an additional invoice remained unpaid. However, she could not provide any invoice, only citing a vague and unexplained reference number : XXXX. 

While I continue to do business with UPS for unrelated matters, I have not received any new shipments or charges related to this transaction that would justify additional balances. I believe this may be a duplicate or misapplied collection effort caused by internal error or poor communication between XXXX and RMS.

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 2025-11-04 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: IL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
I am disputing the following accounts with Experian. These accounts have been reported inaccurately as charged off, and I request that you conduct a proper investigation into their reporting as per FCRA regulations. 

Charged Off Accounts : XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, {$460.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$9900.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, {$1800.00} XXXX, XXXX, XX/XX/XXXX, {$3200.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2300.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I started inquiring about a new vehicle from XXXX XXXX. We finally found a vehicle that fit everything I wanted. During negotiations I asked about a dash cam I had just put in my vehicle and asked if they could put that in my new vehicle or trade for a new dash camera I could install in the new vehicles. They said they could, but not in house, but could have someone do it. When I was signing paperwork I was told they would charge me {$180.00} to do it. I asked if they would just remove it, and they stated it would be {$180.00} to do it. They also advertised " purchase online, we will deliver to you '', the dealership is an hour away from our house, so that was one reason we wanted to take advantage of the offer. However when we asked for them to deliver, we were asked " could you please make the easy drive up? I'm stepping up so you don't have to go to XXXX ''. I don't think they ever had intentions of following through with that deal. I would have been able to look past that, because I love the truck, but while signing the contract, this happened. 

In XXXX XXXX XXXX I renewed my registration on my old vehicle for around {$800.00}. I know we get the unused portion back from the XXXX, which in this case would have been about {$550.00}. I purchased the truck on Saturday XX/XX/XXXX, and immediately put in a sold notice. The XXXX normally releases the funds pretty quickly. After a few days of not receiving the funds, I called the XXXX and they stated that the refund was sent directly to the dealership. XXXX XXXX never mentioned a credit towards my new registration. On XX/XX/XXXX, I reached out to the finance manager to inquire about the refund. He said that the XXXX records showed a plate credit of {$130.00}. I told them it should have been a lot more than that. I looked through my paperwork and could not find the document showing the credit. On XX/XX/XXXX I got confirmation that the credit was lower and a manager would be involved, and when the difference comes in, they would send it to me. I have not heard anything from the dealership. The XXXX sent me the confirmation that it was released on XX/XX/XXXX. 
I do believe this was done in bad faith and they intend to keep the credit. I sell cars every year to 2 years, so I know the process. The XXXX is very good with the plate credits. The dealership deliberately gave a smaller amount of credit with intention to keep the extra credit for themselves. It doesn't seem like a lot of money, but how often do they do this shady process?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Mortgage was paid off in XXXX of XXXX to Freedom Mortgage, and we were sent a letter from them stating that no further action was required and they would file the lien release documents with XXXX XXXX probate office. When running a title search on the property in XXXX, XXXX, it was discovered that the Lien Release document was never recorded, and they still hold a lien on the property, even though they sent us a " Satisfaction of Loan '' letter. 

I have spent XXXX hours on the phone/on hold with their customer service department over the last XXXX days and they are refusing to send me the " Lien Release '' letter. I have spoken with XXXX different people and get different answers from all of them. 

Per the law, they are allowed XXXX  days after satisfaction to record the release. They are now over 3 years late.

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 2025-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WLCC
State: MS

Complaint narrative:
Have contacted me by phone well over XXXX dozen times. They will call from different numbers before XXXX and after XXXX. They will call XXXX times a day. They have emailed numerous times threatening wage garnishment without a court order. I can screenshots of all emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
I am disputing the following account information on my credit report : CHARGED OFF ACCOUNTS : No charged-off accounts are currently listed for Experian. 
Please verify whether there are any charged-off accounts that should not be present in my report and remove any inaccuracies. 

INQUIRIES : XXXX, Date Open : XX/XX/year> I dispute the validity of this inquiry. Please verify if the inquiry was authorized and accurately reported. If the inquiry is found to be incorrect or unauthorized, I request its removal.

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 2025-11-04 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: FL

Complaint narrative:
Hello, I recently looked at my credit report and I noticed errors with my personal information : This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/year> SS # : XXXX As far as I know by the laws and regulations, any and all others are inaccurate and outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file. 

Please Delete immediately! this items listed below as it is inaccurate and mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate and delete immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report these remarks have been detrimental to my life and credit health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation