vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I applied for a Wells Fargo XXXX Checking account through the public website and accepted a {$400.00} consumer checking bonus offer. My confirmation email confirms the following details : Product : XXXX  Checking Bonus : {$400.00} consumer bonus offer Application Date : XX/XX/year> I met the direct deposit threshold of over {$1000.00} within the qualification period. However, Wells Fargo has denied the bonus, stating that my account is tied to a promotion requiring {$3000.00} in qualifying direct deposits. 

The Issue : The {$3000.00} direct deposit requirement is commonly associated with specific targeted or business promotions, not the public XXXX  Checking application flow I used. I did not apply using a targeted mailer or private link. I applied through the general promotional site. 
During the application process, I was also presented with the standard {$320.00} consumer bonus option. This strongly indicates I was in the public consumer application flow, where the corresponding {$400.00} offer required only {$1000.00} in qualifying direct deposits. 
It appears that an incorrect promotion codeone requiring a higher deposit thresholdwas attached to my account that does not match the public consumer offer I accepted at opening.

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 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
I had a mortgage loan through Servisolutions. We sold the house that we had this loan on. The closing was supposed to be on XX/XX/XXXX, so the payoff included the XXXX payment, which I then assumed I did not need to make the payment. The closing then got moved to XX/XX/XXXX, with a payoff date of XX/XX/XXXX, still not making my payment over XXXX  days late. I have proof of the payment wire and payoff being completed on XX/XX/XXXX. This company reported my XXXX payment as being delinquent which then dropped my credit score XXXX pts while I am in the process of trying to close on a new mortgage for our new home. I am the sole provider, we are a XXXX  income household, as my wife is a XXXX XXXX XXXX XXXX. This has really ruined a lot for us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Currently on a payment plan. Trying to pay off past due amount. They refused to accept past due amount and want current month due as well. I owe a past due of XXXX payments that were split over XXXX  months. I have paid XXXX of those payments and tried to pay the remaining XXXX payments ahead of schedule. They refused and said I also had to pay the current month as well. It is currently in the month and shouldnt be required. I am currently XXXX  days past due and paying off the past due would bring me to XXXX  days past due. They refused to let me do that. It should be illegal to refuse payment that would help bring me closer to being current. It also should be illegal because it allows them to charge more late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
XX/XX/XXXX in the amount {$720.00}. It is basically reporting that I was paying XXXX XXXX monthly since XXXX which was never coming out my account. Then in XXXX it was reporting like if I missed payments and saying Im late which once again never did it occur them to report to me or acknowledge me or was anything coming my accounts. Never was monthly payments discussed with the company or that they took anything. Falsely reported or claiming Im not paying or paying but nothing was ever coming out.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
My name is XXXX XXXX Ive contacted them numerous times to get this debt removed off my credit report because its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Easier Funding, LLC
State: TN

Complaint narrative:
XXXX day credit repair. Did not full fill their obligation of raising my credit score and continuing to try to take money out of my bank account and when I stopped the XXXX withdrawal from their company, they have hit my credit score XXXX times in XXXX month stating My account with them is over XXXX days past due! My credit score has dropped over XXXX points due to XXXX day credit repair. They have continued to contact me stating My account is past due but have no explanation of what they are doing to repair my credit. They are hitting my credit score Every month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
Both XXXX gift card and vanilla gift card websites claim an error has occurred when trying to activate or check card balances. Yesterday I spent over an hour on hold with one of the companies never actually speaking to someone. The issues are left unresolved and I can not access the funds on either card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/year> - I am enrolled in a XXXX XXXX XXXX XXXX. On this date, my XXXX agent and I identified that I received an XXXX for an open alert with Chime. This Account was opened on XX/XX/year>. I received the alert from XXXX on XX/XX/year>. My XXXX agent and I called Chime to identify that there is an account open under my name, which is fraudulent activity as I did not open this account nor have received a physical card from Chime. Chime then provided communication and an email that they need more documentation from me to close the account, such as an FTC and my government ID. 
- Chime XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I was shopping online for new wheels for my XXXX model XXXX plaid track pack. The website XXXX XXXX said their wheels will fit my car but it was false advertisement. i called XXXX XXXX before making the purchase to make sure it will fit my car they said it will fit but they lied. when i received the wheels, it did not fit because it was rubbing against the brakes. I called XXXX XXXX the same day for a return/refund because they lied to me saying it will fit! On XX/XX/XXXX They left me a voicemail stating those wheels were not meant to fit my vehicle and it's their fault for not putting that information on their website. I have screenshots on their website stating it will fit my car but now that this accident happened, they changed their website in big red letters saying it will not fit a XXXX XXXX plaid. i contacted XXXX XXXX again for a return and refund they refused. So, i opened a dispute with XXXX XXXXXXXX through Affirm, and XXXX from XXXX XXXX would call me tell me to end the dispute or he's going to win the case regardless of the issue because he has good relationship with Affirm and he never loses disputes. He said he always wins in his favor. After XXXX disputes on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ) finally agreed to return the wheels for a full refund and i have proof in texts with XXXX the owner from XXXX XXXX. On XX/XX/XXXX I shipped back the wheels and never received a refund and i still have to pay the loan through affirm. so, i basically got false advertise and robbed. Instead of doing the right thing and refunding me from the start this would have never happened but XXXX from XXXX XXXX wanted to steal money and do fraudulent business with me because his wheels did not fit my car. Affirm added an additional {$940.00} extra to my total balance and I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Chime Financial Inc
State: TX

Complaint narrative:
My bank - chime has repeatedly denied a legitimate dispute for an unauthorized tow despite evidence of lack of notice and improper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: SC

Complaint narrative:
LEaked my info to the dark web and now I have my credit ruined!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Manhattan Beach Venture, LLC
State: FL

Complaint narrative:
These term were introduced to XXXX  dispute center after review of my report. FCRA 1681 ( E ) ( b ) incomplete information misleading information reported The aging of the loan since XXXX  open which has been resolved but still reported as open interruption of credit reporting. Request original documents for service and payment details. Didnt receive.1681c ( a ) ( 4 ) obsolete information 1681 ( 2 ) ( b ) duty to correct after dispute

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 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: MS

Complaint narrative:
I am filing a complaint regarding Chime Financials handling of a disputed series of XXXX XXXX transactions and the reversal of a temporary credit. 

I received a written notice from XXXX XXXX stating there may have been double charges and overdraft-related issues, and instructing me to review transactions from [ X date ] to [ Y date ]. Following that notice, I contacted XXXX XXXX twice seeking clarification. On both occasions, XXXX XXXX representatives stated they were unaware of the issue and could not explain the notice. 

Because XXXX XXXX could not provide clarity, I contacted Chime for assistance. During my call with Chime, Chimes representative reviewed my account, selected the relevant transactions, and initiated the dispute on my behalf. I did not choose the individual transactions ; I relied on Chimes guidance and expertise. 

Chime issued a temporary credit during the investigation, indicating the dispute was being actively reviewed. Chime later ruled against the dispute and reversed the temporary credit. I believe this determination is incorrect and that the investigation was flawed. 

Chime has not provided transaction-by-transaction documentation explaining how each selected transaction was reviewed or why the dispute was denied. I was not given an opportunity to verify or correct the transaction selections before the credit was removed. 

Given that : XXXX XXXX issued a notice suggesting possible errors but could not explain it, Chime selected the transactions and defined the scope of the dispute, and a temporary credit was issued and later reversed without adequate explanation, I believe Chime failed to conduct a reasonable investigation as required under the Electronic Funds Transfer Act ( Regulation E ).

I am requesting : 1. Documentation of Chimes investigation for each disputed transaction 2. Evidence relied upon to deny the dispute 3. Reconsideration of the dispute and restoration of the reversed credit if the investigation was incomplete or improperly handled I can provide recorded calls between parties involved in this. As well as screenshots of the emails from XXXX and chime upon request. And notice that chime has changed the amount after the filing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: DISCOVER BANK
State: OH

Complaint narrative:
XXXX XXXX - XXXX XX/XX/year>, I called Discover to open billing disputes on transactions that were initially marked as fraudulent. Discover asked for documentation. I sent them a screenshot of XXXX confirming an account was opened without my authorization, a police report, and a screenshot of the findings from another financial institution at which my card was also used, which they determined the transactions to be fraudulent. Because Discover refused to pursue the transactions as fraudulent, I was advised to dispute them with the billing department. The above referenced documents were sent via fax to Discover at fax number XXXX from fax number XXXX at XXXX p.m. on XX/XX/year>. The fax was delivered at XXXX p.m. on XX/XX/year>. 

Event XXXX - On XX/XX/year> I called Discover to get an update on the fax reference in Event XXXX and was told to ask XXXX for the amounts of the transactions. I provided this via fax to XXXX from XXXX at XXXX p.m. on XX/XX/year>. The fax was delivered at XXXX p.m. on XX/XX/year>. 

XXXX XXXX - XXXX XX/XX/year> I called Discover to get an update on the fax reference in Event XXXX and was told the investigators left notes telling me to ask XXXX for the last XXXX digits of the card. I reached back out to XXXX requesting this information via email. I provided this via fax to Discover at XXXX from XXXX at XXXX p.m. on XX/XX/year>. The fax was delivered at XXXX p.m. on XX/XX/year>. 

XXXX XXXX - XXXX XX/XX/year> I called Discover to get an update on the fax reference in Event XXXX and was told the investigators left notes telling me to ask XXXX for the dates on which the refunds were to be processed by. I reached back out to XXXX requesting this information via email. I provided this via fax to Discover at XXXX from XXXX at XXXX p.m. on XX/XX/year>. The fax was delivered at XXXX p.m. on XX/XX/year>. 

Event XXXX - On XX/XX/year> I called Discover to get an update on the fax reference in Event XXXX and was told they had not yet received the fax referenced in Event XXXX. 

Event XXXX - On XX/XX/year>, I reached-sent the fax referenced in Event XXXX. 

XXXX XXXX - XXXX XX/XX/year>, I called Discover to get an update on Events XXXX. They then told me theres nothing we can do. Go ask XXXX. 

Constantly moving the goalposts is wrong and unproductive. This contradicts Discovers terms of service and my rights under federal law, not to mention that their constant sending me back and forth only to retreat on their assurances made in calls I recorded is evidence of poor banking practices and deception to a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC, regarding multiple collection accounts that are being reported inconsistently, inaccurately, and without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Metro 2 reporting standards. Jefferson Capital is reporting XXXX alleged debts with different furnisher names, different account numbers, and inconsistent reporting across credit bureaus, which is inherently inaccurate and misleading. The accounts are reported as follows : JEFFCAPSYS ( Original Creditor : XXXX ) Account # XXXX for {$5600.00}, and JEFFCAPSYS/ JEFFERSON CAPITAL SYST ( Original Creditor : XXXX  ) Account # XXXX / # XXXX for {$10000.00}. These same alleged debts appear under multiple variations of the furnisher name ( JEFFCAPSYS and JEFFERSON CAPITAL SYST ) and multiple truncated account numbers, and are reported to XXXX different credit bureaus, creating duplicate and conflicting tradelines. I have never received any written notice of debt, notice of assignment, or validation notice for either alleged account as required under FDCPA 809 ( a ). After disputing these accounts, Jefferson Capital failed to provide any legally required validation, including but not limited to : the original signed agreement with XXXX or XXXX, a complete itemized account ledger, proof of ownership or assignment, chain of title, date of first delinquency, date and amount of last payment, or a breakdown explaining how the balances of {$5600.00} and {$10000.00} were calculated. Under FCRA 611 ( a ), the credit bureaus and furnisher are required to conduct a reasonable reinvestigation, and under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information unless it is accurate and verifiable. Metro 2 standards require data to be accurate, complete, consistent, and supported by documentation, which is clearly not the case here due to duplicate reporting, inconsistent furnisher naming, and conflicting account numbers. I've done my research on Jefferson Capital and I know they've been the subject of multiple lawsuits and regulatory actions related to improper debt collection practices, failure to validate debts, and inaccurate credit reporting, making their continued reporting without documentation especially concerning. Because no validation was ever provided and because these accounts are being reported in multiple inconsistent forms, the reporting constitutes factual inaccuracies, improper duplication, and unlawful collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CITI AAdvantage Application ID : XXXX About XXXX XXXXXXXX  XXXX  ( I dont recall the exact date ), I applied for a Citi AAdvantage credit card for my business, XXXX  XXXX XXXX XXXX After calling business credit card customer service a couple of times, I was informed that my application had been denied. When I asked for the reason, I was told Id receive a letter in the mail. Eventually, I received a letter dated XX/XX/year>, stating : Hi, XXXX. We reviewed your application for the Citi/AAdvantage XXXX XXXX XXXX XXXX account . Were unable to approve your application because we couldnt verify certain information on your application, such as your address, telephone number, social security number, or income. 

My credit score is XXXX, and I am fully capable of verifying any information Citi needs. My business has been established for over XXXX  years, and I have all the documentation to prove both my and my businesss existence. When I called Citi again, the customer service agent refused to take my information, stating that once it is denied, they can not do anything, and it is a company policy. 

I want to understand why Citi declined my application when Im ready and able to provide all necessary detailsor if this is a case of discrimination based on my name and ethnicity.

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 2025-12-30 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:
I previously disputed a Florida Department of Revenue ( DOR ) child support collection account that contained inaccurate and inconsistent information. That account was removed from my credit reports after dispute. However, the same collection data was later resubmitted under an altered Social Security number variant and disputed again.

Although the DOR collection no longer appears as a visible tradeline on my Experian credit report, Experian has indicated that it continues to rely on this data internally. This reliance has resulted in a materially lower Experian credit score compared to the other nationwide credit reporting agencies.

Internal DOR records document unresolved discrepancies in balances across multiple systems, missing documentation, and lack of foundational court records. Despite this contradictory evidence, Experian accepted the furnishers self-verification during reinvestigation and closed disputes without independently evaluating the inconsistencies. 
On XX/XX/year>, Experian responded to a CFPB complaint by stating that it contacted the data furnisher, the furnisher verified the information as accurate, and Experian therefore accepted the verification. This response did not address the documented discrepancies or explain how unverifiable or non-visible data may continue to affect my credit file.

This complaint concerns Experians investigation process itself. Experian repeatedly relies solely on furnisher assertions of accuracy, even where evidence shows unresolved inconsistencies and missing records. This does not constitute a reasonable reinvestigation under the Fair Credit Reporting Act and has caused ongoing, measurable credit harm.

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 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Received a writ for {$13000.00} paid {$13000.00} still claiming on credit reports that {$4800.00} is owed additionally its reporting as late as. For the last two almost 4 years and reporting as charged off yet late. Which violates FCRA compliance

Company response to consumer: Closed with explanation