vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened my 1st CD with Chase bank XX/XX/year>, on the morning of XX/XX/year> I had XXXX reported interest so I called Chase. A woman with Chase completely lied and said oh you have to notify Chase if you want to see your monthly interest, here let me activate that She then proceeded to tell me that I wont be able to see the interest till XX/XX/year>, then said no my mistake youll see it tomorrow XX/XX/year> Today XX/XX/year> again XXXX interest so I called in an a man said looks like she turned your compounding interest off and youll get monthly deposits this upset me and he said hed connect me to a specialist. He lied and put me back in a general pool waiting. 
Finally a lady today said I have ZERO option to see my interest because Chase doesnt allow it, but clearly in the app it has a total interest counter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
Issue : Failure to comply with FCRA and State Privacy Law Deletion Requests Complaint Narrative I, XXXX XXXX XXXX, am filing this complaint because LexisNexis Risk Solutions has repeatedly refused to comply with my verified consumer requests under the Fair Credit Reporting Act ( FCRA ) and the Texas Data Privacy and Security Act ( TDPSA ). 

I have made multiple lawful and verified requests for LexisNexis to : Provide my full consumer disclosure file Delete all personal information they maintain on me Despite submitting proper identity documentation, LexisNexis continues to claim they can not locate or verify my record. 

However, in their written communication to me, LexisNexis admitted accessing PACER to verify and share bankruptcy information with credit bureaus, while simultaneously stating my LexisNexis file has been frozen since XXXX. 

This is contradictory and unlawful : If my file was frozen, they should not have been able to access or furnish any data If they accessed PACER to provide information to bureaus, they can not claim they can not verify or locate my record This conduct violates : FCRA 609 ( failure to provide complete file ) FCRA 607 ( b ) ( failure to maintain lawful and accurate procedures ) TDPSA Sec. 541.051.052 ( failure to honor verified consumer deletion & access request ) TDPSA Sec. 541.101 ( unlawful processing and disclosure of data ) I have attempted resolution several times, including prior CFPB filings. LexisNexis continues to stall and refuse compliance. I am requesting the CFPB to enforce : Requested Resolution Full deletion of all data LexisNexis maintains about me Written confirmation of deletion Identification of any third parties who received or accessed my data Assurance that no further data will be collected or processed I am exercising my rights personally and directly. 
This company continues to violate federal and state law regarding my personal data and reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I am requesting CFPB assistance because Western Union has not completed a full investigation into the status of my money orders and ignored key evidence proving that the funds were returned by the bank. 

I purchased four Western Union money orders at XXXX on XX/XX/year>, totaling {$2000.00}, and they were deposited into a landlords account at XXXX XXXX. Western Union states the instruments were paid to XXXX on XX/XX/year>. However, XXXX returned the money orders stamped Refer to Maker meaning the bank rejected them and did not finalize credit to the recipient. 

The serial numbers of the money orders are : XXXX XXXX XXXX XXXX The agent number where the money orders were purchased is XXXX ( XXXX store in XXXX XXXX, FL ). 

I provided Western Union with clear proof of this return ( front and back images showing Refer to Maker ). Instead of reviewing the return, Western Union repeatedly states the money orders were paid and refuses to investigate the bank return or provide final credit proof. Their responses do not address the documented return and do not trace where the funds went after the bank rejected them. 

Additionally, Western Union recently provided a SOR document showing that the money orders were processed through clearing ; however, the XXXX does not show proof of final credit to the intended beneficiary account ( XXXX XXXX ). The document confirms processing, not successful deposit, and therefore does not resolve the issue nor explain the Refer to Maker return by XXXX XXXX. 

At this time, I do not have confirmation of where the funds are whether they remain at XXXX, were returned to Western Union, or are held in a clearing suspense status. I have been without access to my funds for over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
Account name XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I XXXX XXXX, I am filing this complaint against PayPal Prepaid Mastercard for repeated unauthorized withdrawals from my account after my physical card was stolen. PayPal hasnt should refund my money despite clear fraud, a stolen card, and a fraudulent PIN change. I demand full reimbursement of all stolen funds. 

Account and Card Details : Account Number : [ Last 4 digits XXXX ) This PayPal Prepaid account has multiple cards issued under my name. 
My primary card ( ending in [ XXXX ] ) was physically stolen on [ date of theft, XX/XX/year> ] while left in my gym bag at my office. I did not report it lost in the app until after discovering fraud. 
I have never shared my PIN, login, or card details. All cards require PIN for ATM/cash use. 
Timeline of Fraud : I receive weekly direct deposits of [ {$230.00} ] from [ Mississippi payroll ] solely for savings. 
On XX/XX/year>, I received an unsolicited email from PayPal stating : Your PIN has been changed. I did NOT request this. 
Upon login, I saw that within 24 hours of each deposit hitting, 100 % of the funds were withdrawn via ATM cash withdrawals in [ XXXX, CA ] not by me. 
Total stolen : {$1100.00} ] across [ number ] transactions. 

These ATMs required PIN entryproving the thief had both my stolen card + fraudulently changed PIN. 
Immediately disputed all transactions in PayPal Resolution Center as Unauthorized Card Stolen. 
Called PayPal XXXX XXXXXXXXPAYPAL. Rep confirmed multiple cards on file. 
I froze all cards, changed passwords, and enabled XXXX. 
clear evidence of physical theft + PIN fraud, PayPal has not refunded a single dollar and claims investigation ongoing. 

Why PayPal MUST Refund Me : Under CFPB Prepaid Rule ( Reg E ), I have {$0.00} liability for unauthorized use of a registered prepaid card reported promptly. 
Physical theft + PIN change without consent = textbook fraud. 
PayPal failed to block suspicious ATM use on a known stolen card. 
I am entitled to provisional credit within 10 days and full refund within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I had a direct deposit sent to my business checking account. They immediately placed a hold on my business and personal checking accounts which is preventing me access to my funds. When I called, they could not give me a detailed explanation as to why I cant access my funds except its on hold. I can not access my account online. I get a message that my account is inaccessible at this time and try again later. I have not been able to access my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: OH

Complaint narrative:
I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information regarding my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information regarding my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and identified multiple inaccuracies involving how certain collection and charge-off accounts are being reported. These accounts are not being reported according to FCRA accuracy standards or XXXX credit reporting guidelines. I have attempted to dispute and request verification, but the companies have not provided documentation to substantiate the balances, dates, ownership, or status coding being reported. 

Here are the issues affecting my reports : 1. Credit Collection Services ( XXXX XXXX XXXX XXXX The accounts are being reported as Open or with monthly charge-off histories, and in some cases show a Past Due balance. 
Collections should be reported as Collection accounts, with Past Due = {$0.00}, and no monthly payment/charge-off grid. 
I have not received itemized billing statements or verification of the balances. 
2. XXXX. XXXX ( XXXX ) The account is reported with monthly charge-off coding and Past Due balance, which is misleading.

I requested validation and did not receive final billing, service termination documentation, or itemization. 
3. XXXX XXXX ( XXXX & XXXX XXXX ) These accounts show Affected by natural disaster remarks, which I did not request and do not apply to me. 
They also show collection charge-off reporting patterns that are not consistent with XXXX standards XXXX 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same debt appears to be reporting multiple times across different furnishers. 
One version shows it as an Open Account with a Past Due balance, and another as a Collection.

I have not been provided chain-of-title or itemized breakdown to confirm the accuracy. 
5. XXXX XXXX XXXX ( XXXX XXXX XXXX ) These accounts are reported with ongoing charge-off coding and Past Due amounts even though they are in Collection status. 
I requested verification, but no contract, billing records, or assignment documents were provided. 
6. XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The accounts are being reported as Open/Installment or with misleading codes such as XXXX, along with Past Due balances. 
I have not been provided the chain-of-title documentation confirming XXXX owns these debts, nor itemized accounting. 
7. Original Creditor Charge-Off Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several charge-off accounts show Past Due = balance long after charge-off, and continuing CO updates that may suggest re-aging. 
I am requesting confirmation of the Date of First Delinquency ( DOFD ) to confirm the correct reporting period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
The response CBE provided for my last complaint is unacceptable and fails to resolve the issue. The CBE Group unlawfully collected money from my wages through garnishment before providing verification of the debt, in direct violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). Under this law, all collection activity must immediately cease until the debt is verified in writing.

CBEs own response admits that the dispute remains pending and unresolved, yet they continue to withhold funds taken from my wages. The responsibility for this violation rests with CBE, not their client. CBE initiated and executed the garnishment without meeting the statutory requirement for validation.

I am requesting that the CFPB re-open this complaint, investigate CBE Groups noncompliance, and require the immediate return of all funds collected. I also request written confirmation that the alleged debt has been found invalid, that no further collection or credit reporting activity will occur, and that my consumer records be corrected accordingly. 

If this matter is not resolved within a reasonable time frame, I will escalate it to my State Attorney General and pursue additional remedies under the FDCPA, the Fair Credit Reporting Act ( FCRA ), and other applicable consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
my personal and financial information was compromised violating FERPA i request full cancellation of my student loan debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
my personal and financial information was compromised violating FERPA i request full cancellation of my student loan debt

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 2025-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A dismissed bankruptcy continues to be reported on my credit file. I have provided a sworn identity theft affidavit, court dismissal order, and proof of address under FCRA 1681c-2. I request that this information be blocked or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A dismissed bankruptcy continues to be reported on my credit file. I have provided a sworn identity theft affidavit, court dismissal order, and proof of address under FCRA 1681c-2. I request that this information be blocked or removed immediately.

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 2025-11-05 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo Bank for failing to assist me in recovering funds from a fraudulent transaction. Despite providing clear evidence of deception and bad faith, Wells Fargo denied my dispute solely because the transaction occurred more than 120 days ago, without conducting a proper fraud investigation. 

On XX/XX/year>, I paid {$1500.00} to a photography business called XXXX XXXX for professional photography services. After receiving the payment, the photographer failed to deliver the agreed-upon services and has since blocked me on all communication platforms, including text, phone, and social media, to completely avoid accountability. 

Upon further research, I discovered multiple XXXX reviews and other online complaints showing that this photographer has scammed other customers in the same way, taking money upfront and then cutting off communication. This demonstrates a pattern of intentional fraud and deceptive business practices, not a simple service dispute. 

When I contacted Wells Fargo to report this fraudulent transaction and request assistance, I was informed that the bank could not help because the transaction was more than 120 days old. However, the Electronic Fund Transfer Act ( EFTA ) and Regulation E require financial institutions to investigate fraudulent or unauthorized transactions when the consumer reports them in good faith. Wells Fargos refusal to investigate based solely on a time limit is a failure to fulfill their consumer protection obligations. 

I respectfully request that the CFPB review this matter and hold Wells Fargo accountable for : 1. Failing to conduct a fair and complete investigation despite clear signs of fraud.

2. Denying consumer protection by rigidly enforcing a time limit instead of assessing the fraud evidence. 
3. Not providing any alternative means of remedy or escalation for fraud victims in similar circumstances. 

I have included proof of payment, screenshots of communication attempts, and evidence from XXXX showing other victims of XXXX XXXX. I am requesting that the CFPB require Wells Fargo to reopen and properly investigate this fraudulent case and assist in the recovery of my funds. 

Thank you for your time, attention, and commitment to protecting consumers from fraudulent business practices. Please let me know if you need additional documentation or further information. 

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