vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> my Fifth Third XXXX was charged {$3300.00} by a place called XXXX XXXX XXXX XXXX XXXX. Supposedly this business is located in XXXX, Michigan. I called Fifth Third immediately using the number on the back of my card. I told them this was not me making this charge! I have tried disputing this charge XXXX different times since XXXX. There are several businesses with a similar business name. When I look online, this doesnt appear to be a legitimate business. Although when I call the phone number, someone answers the phone, but then hangs up. Fifth Third ( each and every time I call which is over a dozen times ) says they contacted the merchant who they call the square app who then gives them my credentials. No one has ever actually contacted the merchant whom I have never used or heard of. Apparently the credentials consist of my name, address, phone number and email. Of course Square app has my credentials saved in their system! There are several small merchants I have used in the past that use square to process payments. No one on the Fifth Third disputes team has investigated the actual merchant listed on this charge. They continue to simply contact XXXX ( the payment processor ) calling them the merchant. XXXX has told me they do not have a business active in their account by the name of helpful hands cleaning XXXX XXXX. So thats it - XXXX simply processes my card and calls it good?! They simply process a charge on my credit card for a business they say XXXX exist?! This is fraudulent! XXXX is then acting as a nefarious agent assisting in laundering money. And now Fifth Third is backing up a fraudulent charge like this. Shame on all of these people!! I will not rest until this is resolved. I will also go to my grave before I pay this fraudulent charge. I have since removed all money except {$5.00} from our Fifth Third accounts. I have frozen my credit with all three credit agencies. I have filed a police report and a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Inaccurate personal names and addresses are also posted inaccurate in my Experian personal credit report.

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 2025-10-16 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: Newport Intermediate Inc.
State: OR

Complaint narrative:
I received a rewards card from my employer managed by XXXX Banks, XXXX. XXXX North Lane Technologies. This card is not used much as it will sit for several months so that the rewards can accrue prior to using and eariler this year XX/XX/year> I knew the balance should be several XXXX dollars and when I tried to use it the purchase was denied. 
Now the website through the employer states that we are responsible for keeping track of charges on the card by using their MyPaymentVault site to view purchases. Every time I need to login no matter how many times I reset this password it never works, I have to call customer service and wait for them to reset the account multiple times because forms were faxed and something curious about the charges is that they are almost the exact amount and only occur right after a deposit from my rewards happens. So it definitely has to be fraud from inside the company that are stealing these credit card numbers and know when they get deposits. They have refused to reissue the funds even though all the charges are from out of state. This company is hiding behind a clause on their small print that says all fraud claims must be reported within 30 days. Total of {$400.00} has yet to be reissued to my debit card. XX/XX/year> a letter from XXXX XXXX was mailed to me closing my case due to the elapsed time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Dear TransUnion Dispute Department, I am writing to formally dispute and request the immediate removal of several accounts and collections appearing on my credit report that do not belong to me. These entries are fraudulent and inaccurate and have negatively affected my credit standing. Please find below the details of the disputed accounts : Closed Accounts XXXX  Amount : {$200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Account not authorized or recognized. Incorrect reporting. 
XXXX Amount : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Fraudulent account and reporting of late/missed payments not associated with me. 
Collections XXXX XXXX  Amount : {$330.00} Date Opened : XX/XX/XXXX Reason for Dispute : Fraudulent collection account. Not mine. 
XXXX XXXX XXXX  Amount : {$340.00} Date Opened : XX/XX/XXXX Reason for Dispute : Fraudulent account, not associated with me or any known creditor. 
XXXX XXXX XXXX XXXX : {$10000.00} Date Opened : XX/XX/XXXX Reason for Dispute : Incorrect reporting and fraudulent collection activity. 
Fair Resolution Requested Conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
Remove all fraudulent and inaccurate accounts and collections listed above. 
Provide written confirmation that my credit report has been corrected and updated accordingly

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was sent money from a chime customer to my chime account. I changed my email address which I verified. I accessed my account with my password. I even added my XXXX XXXX account. I also tried sending to past contacts they have record of but locked my account anyway XXXX  why? Because I upgraded my phone! 

Chime should be sued again. An upgraded phone nor sending money to historical contacts on my account should be a red flag for anyone. 

I want this corrected and chime to have enough sense to never do this again to anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
SWORN STATEMENT OF IDENTITY THEFT ( For XXXX  XXXX XXXX XXXX XXXX ) Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX From : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email Address : XXXX Subject : Sworn Statement Regarding Identity Theft I, XXXX XXXX XXXX, do hereby declare under penalty of perjury that I am a victim of identity theft. I did not authorize or participate in the creation, opening, or use of the accounts or credit inquiries listed below on my XXXX  credit report. 
Fraudulent accounts or information : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$730.00} Opened XX/XX/XXXX Status : Collection account Not mine / opened without authorization. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$710.00} Opened XX/XX/XXXX Status : Collection account Not mine / opened without authorization. 
I request that XXXX  investigate and permanently block these fraudulent items from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
I have attached a copy of my government-issued photo ID and proof of address ( such as a utility bill, lease, or bank statement ) to verify my identity. 
I affirm that all information provided in this statement is true and correct to the best of my knowledge. 
Signature : _______________________________ Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXX Optional Attachments : - Copy of drivers license or state ID - Proof of address - Police report or FTC Identity Theft Report ( if available )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi XXXX Number XXXX- Didn't receive promotional Offer I received a promotion offer of {$500.00} upon initial deposit of {$25000.00} within 30 days. 
I did deposit check well in advance and check deposited successfully.Below is the content and was able to check online too.Now they were saying that check wasn't processed within 30days but i did deposit well in advance.Please help me.These guys were doing something fishy to save the {$500.00}. 

Please help .. Never mentioned that anywhere that check deposits aren't accepted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for opening a High Yield Savings Account with American Express Personal Savings. 



We have deposited your check for {$25000.00} into your new American Express Personal Savings account ending in XXXX on XX/XX/year>. 



If you have any questions about your account, please give us a call at XXXX. 



Remember, you can access your account online anytime at go.amex/savings. 



We value our relationship with you and thank you for choosing American Express Personal Savings. 



Sincerely, American Express Savings American Express XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XX/XX/year>, Capital One has been clearing my cashiers checks deposits then unclearing it and taken, then locking my accounts with XXXX available balance in it. Then closed my accounts with my money. I called multiple departments over and over and spoke to agents that put me through to other departments which they did over and over till I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear WFBNA Card, I am writing to request verification of the reporting of my account XXXX XXXX XXXX XXXX XXXX to the credit bureaus. Just a while ago, I reviewed my credit report and would like to ensure that the information being reported is accurate and complies with the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ).

Specifically, I request that you provide written confirmation of the following : 1. The complete payment history being reported for this account.

2. The current balance and credit limit ( if applicable ).

3. The current status of the account ( e.g., open, closed, charged off, etc. ).

4. Any late payments being reported, including the dates and amounts.

5. Any other relevant information being provided to the credit bureaus.

If any information is found to be incorrect or unverifiable, I request that you promptly correct it with all major credit bureaus in compliance with federal laws.

Please provide a response to this request within 30 days, as required by law. I appreciate your prompt attention to 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 2025-10-16 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: MS

Complaint narrative:
XXXXnsumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of 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 2025-10-16 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: MS

Complaint narrative:
XXXXnsumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of 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 non-monetary relief
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: TX

Complaint narrative:
Dear Regional Finance, I am writing to request verification of the reporting of my account XXXX XXXX XXXX XXXX XXXX to the credit bureaus. A few days ago, I reviewed my credit report and would like to ensure that the information being reported is accurate and complies with the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ).

Specifically, I request that you provide written confirmation of the following : 1. The complete payment history being reported for this account.

2. The current balance and credit limit ( if applicable ).

3. The current status of the account ( e.g., open, closed, charged off, etc. ).

4. Any late payments being reported, including the dates and amounts.

5. Any other relevant information being provided to the credit bureaus.

If any information is found to be incorrect or unverifiable, I request that you promptly correct it with all major credit bureaus in compliance with federal laws. 
Please provide a response to this request within 30 days, as required by law. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
When Shellpoint mortgage paid my water bill from my escrow account it was a misuse of my escrow tax funds causing an escrow shortage and subsequent increased monthly mortgage payment to my detriment. 

I see Section 7 of the contract which states " If Borrower fails to make these payments or the payments required by paragraph 2, or fails to perform any other covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may SIGNIFICANTLY affect Lender 's rights in the Property ( such as a proceeding in bankruptcy, for condemnation or to enforce laws or regulations ), then Lender may do and pay whatever is necessary to protect the value of the Property and Lender 's rights in the Property, including payment of taxes, hazard insurance and other items mentioned in paragraph 2.

This was not a significant proceeding such as a bankruptcy, condemnation or such. It was a water bill and not one of the other items mentioned in paragraph 2. It was a water bill on a property valued over {$800000.00} - insignificant. 

But, of course, YOU CAN PAY UTILITIES - JUST NOT FROM ESCROW. In accordance with Section 7 of the Security Instrument, these costs may be collected by the lender and will be added to the total debt owed by the homeowner, not taken from the escrow funds. 

Per the mortgage contract the escrow funds were not appropriately used. Nowhere in the contract, not in Section 7, not in paragraph 2, nowhere is there provision for the payment on utility bills out of the escrow funds. 

I am, again, requesting the {$1300.00} in escrow funds be returned to the escrow account and the account amortization updated.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XX/XX/year> my Zelle was restricted. About a week before I received two payments that were planed Zelle payments from a friend. I received a call a few days later asking if it was planned. I said yes and it was no issues. Few days afterwards my Zelle was restricted and was given to exact reason as to why. Contacted XXXX and Zelle early warning and got no help as to what my next step should be. No fraud was committed and it was a normal Zelle payment between friends/family

Company response to consumer: Closed with explanation