vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
I am filing a complaint against Chime regarding a missing refund from XXXX. 
Order number : XXXX Refund amount : {$160.00} Refund date ( per XXXX XXXX : XX/XX/year>2024 Account email : XXXX I never received the XXXX XXXX  XXXX order and XXXX confirmed they issued a refund on XX/XX/scrub> 2024. They have also stated the dispute was resolved in my favor. However, the funds have never posted to my Chime account. 

I have contacted XXXX repeatedly, and they continue to direct me to my bank. I have also contacted Chime, but the issue remains unresolved. My bank account should reflect the refund if it was received, yet it does not. 

To this day, nearly two months later, I have not received the refund. This has caused significant inconvenience and financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
On the XXXX of XXXX I tried for the first time to transfer my XXXX XXXX  ( aproximately {$34.00} XXXX XXXX dollars ) from my Abra XXXX  / XXXX Account to my trading account for withdrawal. Abra 's term state transfer from the interest-earning account take up to 7 days, but my transaction remains in " processing '' with no updates. I contacted Abra 's support at XXXX on XXXX of XXXX of 2025 for the first time, and multiple times after that. 
Their response on XXXX of XX/XX/year>2025 was that all deposits, withdrawals and transactions through Abra XXXX are temporarily suspended. 
This delay has prevented me from accessing my funds, causing financial inconvenience and personal 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 2025-08-23 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 am notifying you once again that the items listed below were opened as a result of identity theft. I have fully complied with FTC and FCRA procedures, submitting a valid identity theft report and affidavit. As the CRA and XXXX have failed to block or remove these items, you are now in violation of federal law. If you do not delete these accounts, I will escalate this matter to the CFPB, the FTC, and take legal action if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: GA

Complaint narrative:
Further, pursuant to the Fair Debt Collection Practices Act, 15 U S.C. 1692 ( g ) ( 3 ), as you are merely an 'agency or board, acting on someone elses behalf, this is a demand that you provide the name and address of the original principal or holder in due course for whom you are attempting to collect this debt together with your affidavit of assignment, power of attorney, and certification of your license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my open CFPB complaints regarding XXXX XXXX  XXXX XXXX 
Complaint # XXXX Complaint # XXXX Since filing my credit bureau dispute on XX/XX/year> and my initial CFPB complaint on XX/XX/year>, I have observed additional actions by the creditor that raise further concern : On XX/XX/year>, XXXX XXXX XXXX flagged my account as : 90 days past due Not more than four payments past due These entries were added before my XX/XX/XXXX payment due date and without any investigation, resolution, or new delinquency occurring. 

On XX/XX/year>, a second entry from XXXX XXXXXXXX XXXX reported the same XXXX delinquency, suggesting possible duplicate reporting under two separate entity names. 

On XX/XX/year>, I received a welcome letter from a debt collection agency, indicating that my account had been transferred or soldwhile still under active dispute. The original creditor has not updated the account to reflect closed, transferred, or sold status. 

As of today, the account continues to report inaccurately, with multiple late flags, duplicate entries, and no indication of transfer, which damages my credit profile. 

These actions appear retaliatory, occurring immediately after I exercised my legal right to dispute. The premature reporting, duplicate entries, and failure to update the tradeline appear to violate FCRA 15 U.S. Code 1681s2 ( b ) and may also conflict with FDCPA regulations concerning account handling during disputes and transfers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
Today I woke up and checked my credit like I always do. I noticed a collection on my XXXX  account. M.A.R.S. , Inc. is trying to collect a debt I know nothing about. M.A.R.S. , Inc. please verify this debt. Below I will attach a letter stating what I am asking for in order to verify the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
Apple CARD failed to provide evidence in support of a claim that our trade-in phone package arrived at Apple empty . The charge was disputed, and after their investigation, Apple Card claimed that the dispute was not valid, although they offered no evidence to support this claim.

Apple controls the trade-in process, providing packaging and a pre-paid shipping label. Once the trade-in is delivered to XXXX ( their shipping agent ), Apple assumes responsibility for the delivery of the trade-in package. As the trade-in was a material element in the transaction, and Apple/Apple Card has failed to mitigate the loss/damage of the trade-in phone under their care, refused to provide the trade in value as bargained for and Apple Card has been unable to deliver on a good faith basis the evidence supporting a decision to deny the dispute, have continually deploy evasive measures to avoid resolution. ( Chat discontinued, calls blindly transferred and abandoned, suggestions to call the police, etc )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant XXXX  it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I am submitting this letter as a formal dispute regarding inaccurate personal information currently listed on my Equifax credit report. Specifically, my name and address are reported incorrectly. The correct information is as follows : Inaccurate address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inaccurate Name : XXXX XXXX, XXXX XXXX. The inaccurate reporting of my personal identifying information is a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 607 ( b ) Obligation of credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. FCRA 609 ( a ) ( 1 ) Right to obtain disclosure of all information in my credit file. FCRA 611 ( 15 U.S.C. 1681i ) Right to dispute and request reinvestigation of inaccurate information.Under FCRA 611, TransUnion, Equifax, Experian must correct information that can not be verified. Under FCRA 623 ( a ) ( 2 ), furnishers must ensure the accuracy of their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The personal information listed on my credit report is inaccurate. 

My correct address is : XXXX XXXXXXXX XXXX XXXX XXXX, WV XXXX My correct telephone number is : XXXX My correct employment is : 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this rebuttal because XXXX response to my CFPB complaint ( Ref. No. XXXX ) did not address the core issue I raised. 

XXXX focused solely on denying a fraud claim. However, my dispute is based on inaccurate and inconsistent reporting between XXXX  and TransUnion regarding this account. Specifically, the status dates and dispute comments differ across bureaus, which means the account is not being reported with the maximum possible accuracy required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

A furnisher can not claim an account is verified if it is being reported differently by separate credit bureaus. This is evidence that the data is not being furnished or maintained consistently.

I am requesting that CFPB require XXXX, XXXX, and TransUnion to : 1. Conduct a reinvestigation focused on the inconsistencies.

2. Correct or remove the account if consistency and accuracy can not be achieved across all bureaus. 

XXXX letter failed to address this reporting violation, and I request CFPB oversight to ensure compliance. 

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my Discover Account ending in XXXX and XXXX XXXX Account ending in XXXX, that are inaccurate and not properly verified. Have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2. Furnitures must report accurate information. Under 15 USC 1681 S, credit bureaus most perform a reasonable investigation within 30 days. Neither have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TX

Complaint narrative:
The accounts listed are not legitimate, and I have not authorized or opened any of them. I have been the victim of multiple data breaches that have compromised my personal information, and these fraudulent accounts are a direct result of those breaches. I am providing this formal notice to inform you that these accounts are inaccurate, and you are required to remove them from my credit report immediately under FCRA 605 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX along with experian is reporting inaccurate information on my credit report violating my rights t. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I believe that the continued reporting of this account violates my rights and the accuracy requirements set forth by law.

Section 15 U.S.C. 1692c governs communication practices by debt collectors, and there are multiple provisions under this section that protect consumers from misleading or unauthorized reporting practices. I believe that the account in question has not been verified properly, and the information being reported is inaccurate and damaging to my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
XXXX XXXX XXXX along with XXXX  is reporting inaccurate information on my credit report violating my rights t. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I believe that the continued reporting of this account violates my rights and the accuracy requirements set forth by law.

Section 15 U.S.C. 1692c governs communication practices by debt collectors, and there are multiple provisions under this section that protect consumers from misleading or unauthorized reporting practices. I believe that the account in question has not been verified properly, and the information being reported is inaccurate and damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX PM CT, I called Klarna because funds I deposited from my Chime account into my Klarna balance could not be used to pay for a Turo rental. The agent told me that transferring a Klarna balance back to a bank is not available in my state and suggested I purchase a gift card instead. This restriction was not disclosed before I deposited funds, and Klarnas website states balances can be transferred back to a bank.

Timeline & amounts/actions : I attempted to start a Pay-in-4 plan for a XXXX rental. The app showed an adjusted initial payment of {$110.00}, but the plan would not process. 

I deposited funds to cover the {$110.00} and then added more funds as prompted. The plan still failed. 

A chat agent said the deducted amount would be reversed and to allow time. I didnt have time due to urgent transportation needs and the deposits were putting me behind on bills. 

To resolve quickly, I added the full remaining purchase amount to my Klarna balance to pay in full. The full-payment attempt also failed. My Klarna balance decreased/was held, but XXXX did not process. 

I tried purchasing a gift card in the Klarna app, but it only allowed me to pay with my XXXX card, not with my Klarna balance. I also tried paying my phone bill via Klarna using the balance ; it would not process. This was my attempt to just get the funds off of their card. As several representatives suggested spending the balance with their partners. This was against my financial arrangements. 

Contacts with Klarna : XX/XX/XXXX ( XXXX additional calls the same day ) : XXXX representative said my account was locked/on hold and to try again in XXXX business hours. Another told me to contact my bank to authorize my XXXX card. My bank confirmed Klarna transactions were already permitted. While on the call, Klarna also placed a {$1.00} authorization. 

XXXX additional contacts ( phone/chat ) after XX/XX/XXXX : I was repeatedly told my account is locked and to wait XXXX hours, to try another payment plan ( which also failed ), and in XXXX call the representative disconnected. 

Result : My funds are stuck in Klarna with no ability to use them or transfer them back. There was no clear fine print or in-app disclosure that my state could not receive a bank transfer of the Klarna balance, and Klarnas site indicates that bank transfers are available. I am aware that Klarna does not accept XXXX bank. But the Klarna balance accepted funds from my XXXX account. I have just opened a new bank account in hopes that this will help as Klarna is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Against : Wells Fargo Bank Product/Service : Bank account XXXX XXXX  transfer Date of Incident : XX/XX/scrub> 2024 Amount in Dispute : {$1500.00} Scammers Name Used : XXXX XXXX Complaint : On XX/XX/scrub> 2024, I was the victim of a check overpayment scam. The scammer, using the name XXXX XXXX, mailed me a counterfeit check for furniture and instructed me to send {$1500.00} via XXXX to cover moving costs. I did so, but shortly after, the check was revoked as fraudulent. 

I immediately reported the fraud to Wells Fargo. Despite my prompt report and the fact that I was clearly tricked into authorizing the payment, Wells Fargo denied my claim, citing XXXX authorized transfer policy. I did not authorize this transaction freely or knowingly I was manipulated into sending funds as part of a fraudulent scheme. 

It has taken me some time to file this CFPB complaint because I was not aware that this was an option until recently. 

Why I am filing this complaint : I acted responsibly by reporting the scam to Wells Fargo as soon as I realized it occurred. 
Wells Fargo promotes XXXX as a safe payment option but does not provide adequate fraud protections for consumers. 
Other payment systems ( like credit cards ) provide fraud protection in similar circumstances, and XXXX should not be treated differently when fraud is clearly present.

Resolution Sought : I am requesting a full reimbursement of {$1500.00} from Wells Fargo. I was the victim of fraud, and Wells Fargos denial unfairly leaves me without recourse.

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