vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XXXX, I received a personal deposit of {$98.00} from a friend to help me buy essential items like food and household supplies. Shortly after, Chime automatically applied almost the entire deposit to cover an overdraft balance of {$2.00} and to repay my outstanding MyPay advance.

I did not consent to Chime using my personal deposit. This money was not payroll or earned wages, but a gift sent specifically for my immediate needs. I was unaware of the recent policy change that allows Chime to take any deposit to repay MyPay advances.

Because of this action, I was left without the funds I needed to care for myself and my family. I contacted Chime to dispute the withdrawal and requested a reversal and an explanation. However, Chime refused to return the funds and did not provide clear notification or consent for this policy change.

This has caused me significant financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MI

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 2025-08-01 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I signed my kids up for sporting programs for {$270.00}, and they changed the location of where my kids would be doing the sporting program to over 2 cities away a couple weeks before they started. I told the company I wouldn't be able to drive 40 minutes each way to the practices and games and that I'd like a refund. They told me there wouldn't be a refund allowed because I had agreed to their terms which say the location may change. I told them changing within the city is reasonable or even up to 20 minutes but asking me to drive 40 minutes both directions for all of this was unreasonable and I wanted a refund. They agreed to refund {$190.00}. Originally the refund showed a {$100.00} refund and {$90.00} refund in pending, so I did a dispute for {$84.00} to get the rest of the money. Only the {$100.00} refund came through from pending to permanent, and then the {$84.00} got approved. I talked to customer service several times about getting it changed, and they kept saying they would change it but didn't ever do anything. I cancelled the {$84.00} thinking I could submit a new claim for the {$170.00}. After, it wouldn't let me reopen the dispute. I talked to customer service and told them, and they said they would reopen it for me. Every month or so, I've been contacting to ask what is happening with it, they tell me nothing was done before but they will take care of it, and then nothing happens still. So since XXXX, I've been waiting for them to actually get back to me, and nothing happens. I would really like to get this dispute resolved as soon as possible.

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 2025-08-01 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: IL

Complaint narrative:
I am a victim of identity theft, which has caused serious harm to my credit and personal peace of mind. Without my knowledge or consent, someone attempted to apply for credit in my name, leaving me feeling violated and vulnerable. These fraudulent actions have negatively impacted my credit standing and do not reflect my financial behavior or responsibility. 

I am committed to restoring my financial well-being and taking the proper steps to clear my name. As part of this process, I am formally requesting the removal of the following unauthorized credit inquiries from my report : Avant, XXXX, XXXX XXXX  and XXXX XXXX. 

These inquiries were made without my authorization and must be removed to accurately reflect my credit history. I appreciate your prompt attention and support in helping to resolve this matter.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: NEXBANK CAPITAL, INC.

Complaint narrative:
I called all of the phone numbers provided and nobody will answer during working hours. I even called their other numbers but you get sent back to a message that says leave a message. I can't close my CD which came due since I can't talk to a person and they don't call back. I got to a person in their loan department who said that they would send an XXXX mail to the banking people. So my account has reached maturity and I get no interest and can't close the account.

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 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
We took out a PLUS loan XX/XX/XXXX. Through XXXX, paid on it then it was given to XXXX. We continued to make payments of XXXX a mo. We stopped getting any correspondence so assumed it was paid off..... XXXX got a call from Aidvantage offering to refinance our loan. Told them no we paid it in full. I reached out to Feds and go no answer but when I looked on page it said {$0.00} balance. FF to two months ago and harassing non stop calls and emails to us demanding we pay in full??? XXXX.... crazy. So, I went Fed page and dug and found an app for Income Driven Payment for this amount with my husband 's name SS and my daughter 's address!!!!. Reached out and said we never filled out forms and I wanted all records dealing all the way back on this loan. We at no time agreed to or allowed this form to be completed. This is absolute fraud and we are XXXX and XXXX XXXX XXXX and on SS. Both retired, hubby works part time. I will have to borrow money to hire an attorney to fight this. Aidvantage has put me off, put me on hold threatened us and never got us the information we asked for. Sent us a form to file fraud charges for stolen money..... which is comical. We put two kids through school. This is criminal and it is fraud. We have fraud alerts now on everything but we did not in XXXX. Also says we borrowed {$33000.00} in loans. Not true. Just the one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-01 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: IL

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

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 2025-08-01 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: GA

Complaint narrative:
Subject : Formal Dispute Inaccurate, Duplicative, and Improperly Reported Accounts Demand for Deletion To Whom It May Concern, I am formally disputing the accuracy and legality of multiple accounts currently being reported on my credit file. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Your continued reporting of these accounts violates several federal protections. Specifically : XXXX XXXX XXXX XXXX XXXX You failed to reasonably reinvestigate this charge-off account, which contains conflicting balance and ownership reporting. 
XXXX XXXX XXXX This account involved GAP insurance, which should have resolved any post-repossession balance. Additionally, this account was previously removed and then reinserted without notice, violating FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX XXXX and XXXXXXXX XXXX XXXX  These are duplicate accounts for the same debt. Reporting both as separate derogatory entries is deceptive and violates FCRA 1681e ( b ) and FDCPA 807. 
XXXX XXXX XXXX This collection account has not been properly verified. 
XXXX XXXX The charge-off balance and timeline appear unverified and inconsistent. 
XXXX XXXX This was a deposit/checking account, not a credit instrument, and therefore has no permissible purpose for inclusion on a credit file per FCRA 604 ( a ) ( 3 ). 

For all collection accounts listed below ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, I formally demand that Experian and each data furnisher produce full verification of the debt, including : A copy of the purchase agreement or assignment of debt from the original creditor ; A complete chain of title showing ownership from the originator to the current entity ; The original signed contract or loan agreement containing my wet signature ( not a generic template ) ; A full itemized statement of the debt, including all interest, fees, payments, and charges. 

If these documents can not be produced within 30 days, the debt must be deemed unverifiable under FCRA 1681i and removed from my credit report immediately. 

For collection agencies like XXXX XXXX XXXX XXXX and XXXX XXXX, you are double-reporting the same debt, which is deceptive and violates both the FCRA and the FDCPA 807 ( 2 ) ( A ). No collection agency is permitted to report a debt without maintaining the rightful legal claim to enforce or collect, and without clear evidence, your bureau is enabling fraudulent 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 2025-08-01 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: GA

Complaint narrative:
The accounts being reported under my name were opened without my knowledge, consent, or authorization. I have never managed or approved these accounts, and their presence on my credit report is entirely unacceptable. This misinformation inaccurately reflects my financial history and raises serious concerns. 

I take the accuracy of my credit profile very seriously, and the existence of these unauthorized accounts is deeply troubling. I request immediate clarification regarding how they were linked to my name and who reported them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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 XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I disputed a charge of {$840.00} with Chase for a cosmetic procedure where the merchant injected my face incorrectly, resulting in harm and disfigurement. I was left with facial damage and had to pay additional money to another provider to try to correct the issue. 

Despite multiple attempts to resolve this with XXXX to several representatives and supervisorsthey stated there was nothing they could do, citing paperwork I signed at the time of the service. While I understand I signed forms, that does not justify the botched procedure or the fact that the merchant caused visible damage. I reached out to the merchant requesting a refund and was refused. 

Because the dispute was denied, my account is now overdrawn by {$840.00}, and I am not allowed to close it until the balance is brought to zero. I no longer wish to bank with Chase after this experience, and I feel like Ive been punished for being the victim in this situation. 

I am asking Chase to reconsider the dispute or at least assist me in clearing this balance so I can close the account. I have done everything I could and was trea

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
My name is XXXX XXXX, and I am filing this report because my personal information was compromised in a data breach, resulting in fraudulent activity and accounts being opened in my name without my knowledge or consent. I did not authorize the creation of the accounts listed in the breach notification or those currently appearing on my credit report. 

This breach has caused me emotional distress and placed an undue burden on my financial well-being and personal security. I am urgently requesting that these unauthorized accounts be thoroughly investigated and removed from all consumer reporting agencies without delay. Furthermore, I request any entities involved cease all collection attempts, account reporting, or legal actions associated with these fraudulent accounts. 

Please take the necessary action to protect my identity and assist in restoring the integrity of my personal information. I am prepared to provide any further documentation or identity verification required. 
I've contacted the companies and all was done was saying its verified when its not.

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