vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB Response Failure to Conduct Reasonable Investigation ( Metro 2 / FCRA Noncompliance ) To Whom It May Concern, This letter serves as my formal response regarding the handling of my dispute related to the XXXX XXXX XXXX account. 

According to the CFPB complaint record, no actions were taken by the furnisher in response to my dispute, despite my submission of valid identifying documentation and a clear request for reinvestigation. This failure constitutes noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Metro 2 Credit Reporting Guidelines .

At the time of my dispute, I provided sufficient information to trigger a lawful reinvestigation. However, XXXX XXXX XXXX failed to : Conduct a reasonable reinvestigation of the disputed information Correct, delete, or modify any inaccurate or unverified data Provide documentation supporting the accuracy of the reported account Demonstrate compliance with Metro 2 reporting standards Identify the method or evidence used to verify the account Under Metro 2 guidelines, furnishers are required to report complete, accurate, verifiable, and timely information. The absence of any corrective action or documented investigation indicates that the account was mechanically verified or ignored, which is not permissible under federal law. 

Furthermore, the continued reporting of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to report the account Completeness of payment history Compliance with Metro 2 data integrity standards Because no action was taken and no documentation has been produced, the reporting of this account is now unverifiable. Continued reporting under these circumstances constitutes willful noncompliance with the FCRA. 

I am formally requesting that XXXX XXXX XXXX either : 1. Provide full documentary evidence supporting the accuracy, ownership, and reporting authority of this account in compliance with Metro 2 and FCRA standards, or 2. Immediately delete the account due to failure to conduct a reasonable reinvestigation. 

If this matter is not resolved promptly, I reserve the right to pursue all remedies available under federal law. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: FL

Complaint narrative:
I have a Chime checking account and had transferred funds from an inheritance. I've only ever made miscellaneous transactions, but ones that I had made. 

I started to receive notifications from the Chime app that there was a transaction taking place from Washington DC. I live in Florida and this was not a purchase or a bill that I was paying. This was something that was being physically paid out according to chime, as if someone else has my physical card. 

I have never lent my physical card to anyone ever. I had contacted Chime to have them dispute these charges because later on, it would be a daily occurrence that someone would be using my card for this certain merchant. Chime couldn't do anything at the time due to them still processing. 

They had suggested to replace my card, which initially I did. Later on those same charges were reoccurring again from the same merchant. Again, I had reached out to chime, they still couldn't do anything as they were processing and once again recommended to replace the card. 

I had the card replaced a second time, and nothing had changed from the first time I had it replaced to where I never gave or let someone borrow my physical card or digital number. And the charges continued to happen. 

Later in the month of XXXX, while my father was hospitalized for health conditions, I happened to notice after XXXX  that there were MULTIPLE transactions that had occurred on different time intervals for the around close to the same amounts for XXXX. This was a clear sign of fraud. 

These transactions were never made by me, they were never authorized, I was never advised about these charges. I had reached out to Chime to formally conduct an investigation to dispute these charges from XXXX as well as from the Merchant located in Washington DC. 

Chime has said it could take up to 100 days in order to get a response back. And they had also decided to have my card replaced for a third time, but unfortunately I did not request for this even though this has not resolved anything in the past. During the time I was provided with a temporary credit for the amount that had been taken by fraud in the amount of {$3000.00}, but now I have received a response from them stating that they have denied my claim. 

Without doing a proper investigation in which these transactions clearly indicate that these are fraudulent transactions done by somebody else. 

I am in need of assistance in regards to having a more thorough investigation in regards to my claim and experience with Chime in order to retrieve these funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased multiple Visa Vanilla gift cards as XXXX gifts. Several of these cards were declined during normal use and then abruptly frozen by Visa Vanilla. I was informed the cards were cut off and replacement cards would be mailed in 710 days. 

These cards were purchased and used in good faith. No fraud occurred, and no suspicious activity was explained. Freezing paid-for funds and forcing recipients to wait up to 10 days to access gift money is unacceptable and defeats the purpose of a gift card. 

Visa Vanilla did not attempt to resolve the issue at the point of sale, did not provide immediate access to funds, and offered no expedited replacement. The delay caused financial harm, embarrassment to gift recipients, and inconvenience during the holiday period.

I believe this constitutes a failure to provide access to funds that were fully paid for and a failure to deliver the product as advertised. I am requesting immediate restoration of funds, expedited delivery of replacement cards ( or direct refund ), and a written explanation for why these cards were improperly frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TransferWise Ltd
State: NY

Complaint narrative:
Transaction from merchant XXXX dated XX/XX/year> for {$1900.00} is unauthorized. 
I had lost my debit card and I soon as I became aware I contacted customer service to report this. This unauthorized transaction happened between the time that I lost the card and when I became aware of this. I have asked the bank to provide me with all the documentation that proves that this transaction is valid multiple times and I have not been provided any

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Banks refusal to allow me to update my mailing address, which has resulted in my inability to receive an issued check. 

Wells Fargo has an outdated address on file for me. This address is no longer valid, and I can not receive mail or checks sent to that location. I have contacted Wells Fargo customer service multiple times by phone to request an address update or an alternative solution for receiving the check. 

Despite these repeated attempts, Wells Fargo has refused to update my address or provide a reasonable alternative method to deliver the check. No clear explanation or resolution has been provided, even after multiple calls and requests. 

As a result of Wells Fargos actions, the check remains undelivered, and I have been unable to access my funds. This situation has caused unnecessary delay and financial inconvenience, despite my good-faith efforts to resolve the issue directly with the bank. 

I am requesting that the CFPB review this matter and require Wells Fargo to either allow my address to be updated or provide a secure alternative method to receive the check. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
Applied for a mortgage in XX/XX/year> with Pennymac. Submitted all requested documents immediately upon request. PennyMac states they lost documents and delayed my closing. PennyMac providing misinformation which delayed closing. On the scheduled date of closing after all disclosures were signed, bank canceled closing and demanded an additional XXXX in down payment. Bank intentionally waited until the day before closing for a holiday weekend to delay my closing and failed to respond to myself, closing attorney, or real estate agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I ran my own credit report and saw that I had a debt of {$390.00} in collections due to Radius Global Solutions and the debt is from XXXX XXXX XXXX XXXX service associated with an address that I have never lived at. Also, I have never been a XXXX XXXX XXXX customer before as well. The representative I spoke to at Radius Global Solutions stated that the dates the service was used was from XX/XX/XXXX to XX/XX/XXXX. I explained to the representative that I have never lived at the service address to the XXXX XXXX XXXX XXXX was associated with. Radius Global Solutions stated that I needed to file a police report with the local police department and fill out a fraud packet and mail to the address of XXXX XXXX XXXX XXXX New Jersey XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year> at XXXX XXXX I was notified of a charge in my chime checking account for XXXX on XX/XX/year> I disputed the claim and opened a dispute stating it was an unauthorized charge. I provided evidence of my XXXX account showing that there were no items ordered in my XXXX account on XXXX and no items ordered with that total amount. The charge was listed as XXXX XXXX. On XX/XX/year> chime notified me that my claim was denied and the dispute was closed and I will not get credit to the account. I called and requested to receive the records and evidence for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am submitting a complaint regarding a XXXX XXXX personal installment loan used to finance a solar installation sold by XXXX XXXX. The loan was obtained through misrepresentation during the sales process. XXXX XXXX promised [ payment amount/savings/tax credit/rebates/system production/no lien/etc. ], but after installation and review of my agreement, those representations were false and I would not have agreed to the loan under the true terms and costs. I am requesting that Good leap investigate this transaction, provide a complete loan and funding file ( including itemization of amount financed and any dealer fees ), and work with me toward a resolution. I also request that XXXX XXXX pause negative credit reporting and collections while the dispute is investigated. I have attached the contract, proposal, communications, and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to National Credit Systems. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that National Credit Systems is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I am requesting you cease and desist from any and all communication with me regarding the above-referenced account, I am requesting that you no longer contact me by phone, email, text message, mail, or through any third party. Any further communication should be limited solely to written confirmation that you will comply with this request or notification of any specific legal action you intend to pursue. 
This notice is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a request that you comply with federal law and cease all direct contact with me regarding this matter. 
Please confirm in writing that you have received and complied with this request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: NY

Complaint narrative:
Klarna sent me a written notice on XX/XX/XXXX stating my {$850.00} XXXX order was canceled and nothing to pay. Klarna later confirmed by email that I would not be charged. I reordered and paid again successfully. When I reported the issue, Klarna told me to contact the merchant. The merchant confirmed they never canceled the order and could not help. 
Despite Klarnas cancellation notice, no-charge agreement, and the merchants confirmation, Klarna still charged me {$890.00} on XX/XX/XXXX. My bank could not reverse it because Klarna marked it valid and initiated no cancellation. 
I am requesting : ( 1 ) immediate charge reversal, ( 2 ) billing error investigation, and ( 3 ) written confirmation of resolution. This was caused by Klarnas incorrect cancellation communication, and Klarna has failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I purchased XXXX XXXX from the BXXXX XXXX XXXX XXXX, CT at which time I applied for the Synchrony Freedom to Ride credit card because it was 0 % interest. The merchant did NOT make me aware of the promotional terms or what those terms were, just that it was 0 % interest. 
Because I was unaware of the terms, I made payments on my debt but was unaware they needed to be paid in full by a certain date. As I was unaware, I missed the deadline and was charged interest for the life of the loan which increase my balance by ~ {$2800.00} in interest alone. 
I disputed this with Synchrony 3x and each time their answer was that I " received the product '' and provided me with a copy of the receipt & the monthly statements. What I needed them to furnish- which they did NOT - was a signed copy of the promotional terms between me and the XXXX XXXX, which clearly outlined the interest terms and agreement. Had that been done, I would seen this as my mistake and stopped fighting it, however, I do not recall ever signing anything at XXXX acknowledging the 0 % terms would expire by a set date, and Synchrony has not been able to provide any evidence of it either.

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I want all my claims approved for the full amounts and my money given back that Wells Fargo stole from me. I am a XXXX XXXX  who works as a XXXX XXXX. I will be contacting the news stations next as well as retaining a lawyer and contacting other federal agencies to assist me in suing and recovering my denied claim payments.

I filed a previous complaint due to denied claims with Wells Fargo. The reasoning for denying My claim was that transactions match previous accountant activity I told them that I had previously used some of merchants that appeared on claim but hadnt too recently. PIN number was verified at time of transaction these are Online transactions and dont require a PIN number. I have proof of merchants stating they wouldnt refund me but my bank will. As well as copies of my identity theft reports. Wells Fargo and their claims Department is a joke. I dont understand how a very small portion of this claim that i was credited was found to be eligible but other transactions were Not.
They were all from same time frame/places. Ive been a Wells Fargo consumer since 2014 and have literally never filed a claim on any accounts until this year. I told employees at wells Fargo working my previous cfpb complaint and claim as well as claim center circumstances regarding these unauthorized charges ( lost phone, replacement phone, mobile wallet, was out of state for work ) they also claim I verified a fraud Alert text on my phone which well is another lie I dont even have my personal phone with me when I was out of state working I am a XXXX XXXX and am provided a XXXX company used phone I use when traveling. I, as well offered documentation I have proving identity Theft report confirmations, correspondence with merchants involved saying I had to file a claim with my bank as they would be the ones to refund me to no avail they were uninterested. This all happened in XXXX when I was out of state for Work I was never issued any provinsary credits or anything just been waiting and Im pretty sure its illegal to steal someones money like that. I still dont believe some credits/refunds/depoists I have been issued match up either I went Through several months of past bank statements and the amounts are Definitely off/ not correct

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I opened an Ally Checking account when they were running a {$200.00} dollar promotion that i saw advertised on social media. I recieved confirmation I was enrolled in the promotion, and that I was meeting the terms. However, When it came time for me to receive the promotional bonus, I never received it. I reached out twice via the online chat feature, and bot times I was told a inquiry was filed on my behalf and I should see the funds in my account by the end of the month. I have still not received the promotion.

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 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo submitted forged and fraudulent evidence in two Maryland District Court lawsuits.

I swore under oath that neither signature was mine.

Did their attestations commit perjury before the court?

WF SHOWS ACCOUNT NUMBERS ENDING IN XXXX AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
WORLD FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WORLD FIN 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 explanation