vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a formal complaint against Chime regarding a series of unauthorized transactions that occurred on my account in XX/XX/year>, which I did not become aware of until XX/XX/year>, after my wallet and phone were stolen. The transactions include multiple charges from XXXX XXXX, XXXX, XXXX, and other services that I did not authorize. 

As soon as I discovered the fraudulent charges on XX/XX/XXXX, I contacted Chime immediately to report the issue and dispute the transactions. However, Chime denied and refused to issue a provisional credit, claiming that the charges were too old. 

This is a clear violation of Regulation E ( 12 CFR 1005.6 ), which protects consumers from liability for unauthorized electronic fund transfers. Regulation E allows XXXX days from when the consumer becomes aware of the unauthorized activity, not from the transaction date itself. 

Chimes refusal to provide a provisional credit and properly investigate the fraud has caused financial hardship and is not in line with federal consumer protections. I have also previously reported fraudulent activity related to impersonation in XX/XX/year>, which supports the fact that my card and account were compromised. 

I am requesting the CFPB to help ensure that : Chime issues a provisional credit during their investigation Chime complies with Regulation E protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Managing states I owe {$1000.00}, {$950.00}, {$690.00}, {$480.00}, and {$380.00}. I do not owe this company anything, I do not recall any of these charges. These have been sitting in my credit report recently. False documents and false accusations. I want the phone calls, the scam calls to stop calling me. I want these false amounts taken off my credit report ASAP thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/year>, my wife negotiated the amount owed on a credit card account ( ending XXXX ) with Wells Fargo. I had my own Wells Fargo Credit Card ( ending XXXX ) and was unaware that I was included as a co-owner/signer of my wife 's card. I never received any communication from Wells Fargo in an attempt to pay the my wife 's account ( XXXX ). I found out I was part of my wife 's account when Wells Fargo Closed my account ( XXXX ) advertently. I called to discuss the issue with the closing of my account and they advised they closed my account because it was considered a high risk account ( even though i had an XXXX credit score and never missed a payment in over 10 years ). Wells Fargo explained I was a cosigner on my wife 's ( delinquent account XXXX ) and thus I would also become affected because of my wife 's negative status on the account. I asked for information to fix the account and was denied information for not being the primary owner of the account. After my account was closed, my credit score dropped XXXX points. I called to complain with Wells Fargo and was told that an attempt to notify one of the two people listed on the account ( my wife ) was considered an attempt to notify both of us. This is a very unreasonable, unprofessional, and unfair way to conduct business, I was not given an proper opportunity or notification to fix the status of 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 2025-06-27 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: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
What happened? ( Explain your issue ) : Ive been trying to resolve a fraudulent charge on my SoFi credit card since XX/XX/XXXX, but XXXX has repeatedly mishandled the case due to internal failures, poor customer service, and a lack of communication. Ive spoken with over XXXX customer service reps and fraud agents over an eight-month period, yet the dispute is still unresolved. 

Each time I contacted SoFi, I was told the dispute was being filed, and that I would be contacted to submit documentation. I never received these follow-ups, and on multiple occasions, the case was either filed incorrectly or not at all. In XX/XX/XXXX, a SoFi representative admitted the claim had been submitted under the wrong category ( fraud instead of billing dispute ) and advised me to restart the process again. I complied. Despite all this, I received a letter in XXXX stating the charges were now too old to dispute even though I initiated the process months earlier. 

Ive kept detailed documentation of my communication attempts and timeline. XXXX has shown gross negligence in handling this matter, and Ive now been charged interest and reported late for payments I was told not to make while the investigation was underway. Meanwhile, XXXX other people defrauded by the same scammer ( we are all in a victim group ) had their cases resolved swiftly by their banks including XXXX, XXXX XXXX, XXXX, and XXXX. SoFi is the only bank that failed to act. 

Company Response Issues : Repeatedly failed to respond to or act on dispute in a timely manner Failed to follow the Fair Credit Billing Act ( FCBA ) by not acknowledging the dispute within 30 days Misfiled and delayed the dispute, then used those delays to deny the claim as " too old '' Ignored multiple follow-ups and failed to provide required documentation requests What resolution are you seeking? 

Full reversal of the fraudulent charges related to " XXXX  '' Refund of any payments made toward those charges Correction of credit reports to reflect a {$0.00} balance and no late payments Written confirmation that the matter has been resolved in my favor Have supporting documents? 
Yes. I am happy to provide my dispute letter, denial letters, chat and call logs, and group correspondence from the XXXX scam victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 noticed some hard inquiries on my credit report that Im unaware of all from the date of XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I opened a Wells Fargo business checking account on XX/XX/year>, responding to their marketing to receive a bonus of {$820.00} after putting $ XXXX into the account within 30 days. However, over the past couple of days, I have struggled to be able to transfer the funds into my account. I've attempted to link my bank to my personal account via my personal account 's website, which failed for unknown reasons. I then attempted to link my account from Wells Fargo 's website, which failed again. After calling, no one was able to help me over the phone, saying I'd need to drive to an ATM to verify my phone number ( why do I have to go to the ATM for this?? And why is this so important to an ACH transfer? ). After completing this step, I was FINALLY able to make a deposit of {$500.00} into the account to avoid their fee for a low balance. Now I'm trying to make the deposits necessary to receive the bonus, but when I attempt I receive a message saying " For your protection, we're unable to complete this transfer. Please explore other ways to transfer and pay with Wells Fargo Online ''. This happened despite the transfer page telling me I could make a daily deposit up to $ XXXX. 

Nothing anywhere tells me why I can't make the transfer, and the alternatives are altogether unhelpful. I tried XXXX, which didn't work, and even if it did the limits are too low to allow me to meet the threshold for the bonus. Furthermore, on the transfer page, it tells me that my 30-day limit is $ XXXX!! How am I supposed to make $ XXXX in deposits within 30 days if my 30-day limit is only $ XXXX??? 

This has altogether been one of the worst banking experiences of my life and I plan to close the bank account after receiving the bonus that I have worked so hard for. Please fix this so that I can carry on with my banking needs and make the payments that I need to out of this account. This feels like a scheme from Wells Fargo to book new accounts while setting tight limits to not allow customers to achieve the bonuses that they are advertising- very bad look.

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 2025-06-27 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I submitted formal dispute letters to Experian, citing 15 U.S.C. 1681c-2, demanding the immediate investigation or deletion of multiple inaccurate, unverifiable, or outdated tradelines, including forgiven federal student loans. These letters included copies of my ID, proof of address, and Social Security Disability award letter. 

Despite my request for action within four business days, the tradelines remain, including : XX/XX/XXXXoan accounts were forgiven through federal cancellation programs and should not be reported. Their continued presence violates the Fair Credit Reporting Act and CFPB student loan reporting guidance. 

I respectfully request the immediate deletion of all unverifiable and forgiven tradelines, and written confirmation that this action has been completed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint because Experian continues to report an outdated XXXX  XXXX account that is no longer eligible to appear on my credit report under the Fair Credit Reporting Act ( FCRA ). 

The account was opened on XX/XX/XXXX, and became delinquent shortly after. The account was ultimately charged off with a balance of {$2500.00} and has not been active for years. Based on the payment history, the accounts derogatory status began no later than XXXX, which means it should have been removed from my credit report in XXXX or early XXXX, in accordance with the 7-year limit for reporting negative accounts under the FCRA. 

I disputed the account with Experian in XX/XX/XXXX, and it was returned as verified, but no one addressed the fact that the account is time-barred under federal law. It continues to appear on my report and was recently updated again in XXXX and XX/XX/XXXX, which is unacceptable. 

I am requesting the CFPB to investigate this matter and have Experian immediately remove this XXXX XXXX account from my report as it has surpassed the legal reporting time limit.

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 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
In XXXX XXXX XXXX  I used Cashapp as the payment method for a purchase from a business. Turns out the business is a huge scam that hasn't been shut down yet. They take your money and don't provide you anything but the runaround. You never get what you paid for and you don't get a refund. 

I contacted Cashapp they said they would do an investigation and contact me. They never did. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

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

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 2025-06-27 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
I noticed some hard inquiries on my credit report that Im unaware of all from the date of XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-27 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: IL

Complaint narrative:
I noticed some hard inquiries on my credit report that Im unaware of all from the date of XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I see different accounts on my report that are unauthorized I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

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 2025-06-27 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-27 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00}

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