vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-08-26 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: MN

Complaint narrative:
I went to the ATM on XXXX to withdraw XXXX and i didnt received the funds. I called my bank to dispute the transaction. They filed the claim and provide me provicional credit on XXXX. now they email me stated there was no error and denied my claim. I can afford to loose XXXX its a lots of money. I am a single mother with XXXX boys. Please help me with this situation .. My bank is CHIME. I spoke with Chime agent and they told me to send any proof. I dont have any proof. I didnt took a picture, I didnt know i was supposed to take a picture. I have no proof. I spoke with the banker at the ATM location and they told me that i need to call my bank to dispute it. I really dont know what to do anymore. I am a very honest person and i work very hard for my money. Please help me..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, my Chase XXXX credit card with a limit of {$60000.00} was accidentally overcharged at a hotel I was staying at for more than {$260000.00}. The hotel caught the error and within two hours put a refund on my card for the incorrect amount charged {$260000.00}. Despite my credit limit being {$60000.00} and already carrying a balance on the card Chase aloud my credit card to be charged in excess of {$260000.00} without flagging it as fraud or confirming that the payment was legitimate just a week prior. Chase had flagged my account for fraud, for a {$200.00} attempted charge, closed down my credit card and sent me a new one. The day after this incident, Chase flagged a {$10.00} charge they suspected as fraud and called, texted and emailed me to confirm that the {$10.00} charge was legitimate. Chase never once flagged the $ XXXX payment as fraud or communicated with me at all whatsoever that I charge more than three times my credit limit had been made to my credit card. 

The {$260000.00} plus charge was cleared on Sunday, XX/XX/XXXX as of Tuesday, XX/XX/XXXX, the credit to balance the net to zero has still not cleared. I called Chase on Monday, XX/XX/XXXX and was told absolutely nothing could be done. I can not use my credit card because it effectively has XXXX balance left available to charge anything to it. This is an extreme inconvenience. When I called, I asked for them to process the refund that was still pending, that was done two hours after the initial charge and was told nothing could be done. I was told the hotel was to blame and chase took no accountability. Chase never gave an explanation for how they allowed my card to be charged in excess of my card balance or why they never communicated to me to legitimize the charge and agreed that they would do this again and again and there was no protection for me as the credit card holder and could effectively be charged hundreds of thousands of dollars anytime I had any balance on the card whatsoever. They stated they had XXXX controls to prevent this from happening again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
On XX/XX/year>, I made a {$1000.00} debit card payment to XXXX XXXX XXXX of XXXX. This transaction was tied to an invalid and fraudulent vehicle purchase, which I have since documented in federal court filings and in a separate CFPB complaint against XXXX XXXX XXXX. Santanders written CFPB response confirms that I have no valid loan or financing account related to this transaction. 
I filed a Regulation XXXX dispute with my bank, Chime ( Claim ID : XXXX ). I provided Chime with : The dealerships cash receipt for the {$1000.00} deposit ; XXXX CFPB letter confirming no loan exists ; Documentation showing I did not receive valid goods or services for the transaction. 
Despite this, Chime denied my dispute. I only learned of the denial after calling to check the status. Less than XXXX hours later, Chime sent me a generic email stating my claim was denied, without explanation. 
When I called back to request documentation of the investigation, the Chime representative said my dispute was denied as untimely. However : Chime never provided written notice of any timeliness issue, as required by XXXX XXXX XXXX ( b ) ; Chime did not provide copies of the evidence it relied upon, as required by XXXX XXXX XXXX ( d ) ; Chime failed to demonstrate that my dispute was outside of the statutory XXXX window from the date the error appeared on my account statement ; and Even if timeliness was at issue, Chime was still required to conduct a good-faith investigation and provide documentation of its findings. 
Instead, I received only a one-page email ( attached ) showing my transaction details, with no explanation or evidence supporting the denial. 
This conduct violates Regulation XXXX under the Electronic Fund Transfer Act, specifically : XXXX XXXX XXXX ( c ) ( XXXX ) ( XXXX ) : requiring a good-faith investigation and timely resolution ; XXXX XXXX XXXX ( c ) ( XXXX ) : requiring a written explanation of findings and evidence relied upon ; XXXX XXXX XXXX ( b ) ( XXXX ) : requiring banks to acknowledge and investigate timely reports of error ; XXXX XXXX XXXX ( c ) ( XXXX ) : requiring a provisional credit if the investigation is not concluded within XXXX business days. 
By denying my dispute without explanation, failing to provide evidence, and falsely claiming it was untimely, Chime deprived me of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
section XXXX ( b ), section XXXX ( I ) & section XXXX have all been violated, there has been no proper verification or validation.

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 2025-08-26 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: FL

Complaint narrative:
section XXXX ( b ), section XXXX ( I ) & section XXXX have all been violated, there has been no proper verification or validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
regarding the handling of my check deposit at Bank of America. 
On XX/XX/year>, I deposited a check in the amount of {$23000.00} from XXXX Bank. The check was issued in my previous legal name, which I verified at the time of deposit. 
I was informed that the funds would be available by XX/XX/year>. However, on XX/XX/XXXX, the hold was extended to XX/XX/XXXX without prior warning. 
XXXX Bank has already confirmed and processed the funds on XX/XX/year>, and I have an email from XXXX confirming this. Despite this, Bank of America continues to hold my funds. 
When I asked if I could cancel the deposit and retrieve the check, I was told this was not possible and that I had no option but to wait. 
This check represents a loan, and I have already been required to begin repayment as of XX/XX/XXXX, despite the fact that I still do not have access to the funds. This has created unnecessary financial hardship and is unacceptable.

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 2025-08-26 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: MI

Complaint narrative:
Submitted a dispute to all XXXX credit bureau regarding XXXX student loan reporting a balance on my report. I provided information indicating the loan amount of {$320.00} has been paid in full. XXXX  and XXXX  verification verified information and has updated my report to indicate paid in full. However Experian denied the dispute and has not updated the information. I spoke with XXXX XX/XX/year> and confirmed that there is not a balance and that the account is paid in full. Experian could not have conducted an investigation because they would have received the same information that the other reporting agencies had indicating the account is paid in full.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
What is the issue? 

I was charged {$940.00} on my account by XXXX for XXXX hotel reservation I did not make or authorize. I reported the charge to Eastern Bank promptly. XXXX confirmed that they either did not process the charge or that a refund was being issued. Despite this, my bank denied my dispute and has refused to refund the money. 

What happened? 

On [ insert date of charge ], a transaction for {$940.00} from XXXX posted to my Eastern Bank account XXXX I did not authorize this transaction and immediately contacted Eastern Bank to dispute the charge. 

I contacted XXXX multiple times. A representative named XXXX eventually confirmed that the charge either did not go through or would be refunded, and they had no active booking under my name. I relayed this information to Eastern Bank, expecting the funds to be returned. 

Despite all this, Eastern Bank denied the dispute and has provided no documentation or valid explanation. I have since received a call from an Eastern Bank representative stating that the case has been forwarded to their legal department, but I have not been reimbursed. 

The banks refusal to return the funds or provide a valid explanation appears to be in violation of consumer protections under the Electronic Fund Transfer Act ( if this was a debit transaction ) or Fair Credit Billing Act ( if credit ). 

I have done everything expected of a customer : reported the charge immediately, followed up, provided information, and confirmed with the merchant that the transaction is invalid. I now need CFPB assistance to have my money returned. 

What resolution are you seeking? 

I want Eastern Bank to immediately reverse the {$940.00} charge and return the funds to my account, as I did not authorize the transaction and XXXX has acknowledged 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Robinhood closed my account and wont respond to my emails about returning my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I HAVE DISPUTED AND WAS TOLD THAT ALL ITEMS ARE REMOIVED BUT LIED TO AND THERE IS NO PROFF XXXX IS INCORRECT REPORTING AND HAS XXXX PROFF OFF ALL ACCOUNT INFORMATIUON AND THIS IS FRAUD ANATHESIA PARTNERS OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I am an international student on an XXXX visa in the United States XXXX On XX/XX/year>, Robinhood suddenly closed my account with the message : Weve closed your Robinhood account due to recent account activity. They did not provide a clear explanation of what the activity was, and I was not given a chance to resolve the issue. 

My account currently holds approximately {$18000.00}, including {$15000.00} in buying power ( cash ). These are my personal savings, which I urgently need to pay my tuition next month. As a student, I rely on these funds for essential living and educational expenses, and withholding access without explanation is causing me serious financial and academic harm. 

I have always used my Robinhood account legally and responsibly, and I have not engaged in any improper or suspicious activity. I have attempted to contact Robinhood support, but I have not received any resolution or a timeline for the release of my funds.

Company response to consumer: Closed with explanation