vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: LA

Complaint narrative:
XXXX XXXX cut my money off without notice and the only way I found out was because I went to pay for my medicines and my card was declined. I have called them numerous times they and the first call was about idenity, they wanted a copy of my drivers license which I have sent in 9 times and they keep refusing saying it's expired and it is not. I have money on that account and I need my medicines. XXXX XXXX is dening me access to my account, to my funds. They want a copy of my birth certificate and social security card, which makes no sense as neither one has my picture on it. I have also sent my NON-EXPIRED PASSPORT and they REFUSE that too. I lost my card & birth certificate in XXXX XXXX and at XXXX yrs old I did not see a need to have them. Please, Please, Please help me. I need my money and especially my medicines. It makes me wonder how many other elderly people they are doing this to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My Debit Card was stolen, I did not realize this until days after my account was already affected. The person went to two differents Chase banks at a location I don't visit in XXXX and was allowed to cash State Income tax checks. I did not have the amount in my account and it was still allowed. Chase took the money out of my account, over {$10000.00}. I did police report I asked them to pull video tape I still have nt gotten a response. Chase no longer cashes these kind of checks due to fraud, but has not done anything for me since this hass been done. I truly need my money, this has been going on since 2024. The Chase bank I use XXXX XXXX, I work and live on the XXXX, never in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint to request immediate regulatory intervention due to systemic non-compliance by multiple furnishers and consumer reporting agencies. The entities involved are reporting derogatory information concerning me without possessing the legal authority, documentation, or evidentiary basis required under federal law or commercial law. 
Entities : XXXX XXXX XXXX XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I . Violations of Federal Statutes and Regulatory Standards 1. FCRA 607 ( b ) : Failure to Assure Maximum Possible Accuracy Material inaccuracies, conflicting dates, inconsistent balances, and unverifiable status codes exist on multiple tradelines.

2. FCRA 609 / 611 : Improper Verification and Reinvestigation Procedures No furnisher has provided original contracts, accounting records, or assignment documentation. CRAs appear to rely exclusively on automated e-OSCAR verification.

3. FCRA 623 ( a ) : Furnishing Information Without Legal Authority Furnishers continue reporting despite lacking documentation supporting the alleged obligation.

4. Continued Reporting After Dispute ( FCRA 623 ( a ) ( 3 ) ) Furnishers continued reporting disputed data without proper verification.

II. Violations of Commercial Law ( UCC Articles 3 & 9 ) 1. Failure to Demonstrate Standing/ Holder-in-Due-Course Status ( UCC 3-301, 3-302 ) No documentation has been provided proving enforceable rights.

2. Failure to Prove Legal Assignment or Transfer of Rights ( UCC 9-203, 9-404 ) No chain of title, perfected security interest, or lawful assignment documentation has been provided.

3. Failure to Provide a Commercial Accounting ( UCC 9-210 ) Furnishers have not supplied itemized accounting, ledgers, or proof of balances.

III. Systemic Breakdown in CRA Verification Processes CRAs rely on automated responses without obtaining original-source evidence, violating FCRA 611 and CFPB Regulation V.

IV. Requested CFPB Intervention 1. Open a formal investigation.

2. Compel production of original documentation including contracts, accounting, and assignment records.

3. Compel CRAs to delete or suppress unverifiable items.

4. Review CRA reinvestigation procedures.

5. Provide written findings and corrective actions.

V. Conclusion These reporting failures constitute ongoing violations of federal and commercial law and have caused consumer harm. 
Respectfully, XXXX XXXX XXXX XXXX XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
In XX/XX/year>, I was contacted by Reliant Capital Solutions stating that XXXX XXXX University had placed an alleged balance with them for collections ( File # XXXX ). The text message from Reliant stated they were now handling the account and directed me to their portal for payment. 

Within the required five-day window, I exercised my rights under the Fair Debt Collection Practices Act and formally disputed the debt in writing, requesting full validation ( agreement, accounting, and proof of authority ). Reliant responded that they had updated their records to reflect my dispute and would obtain documentation from XXXX XXXX. I have received no validation since that date.

However, after Reliant informed me they were collecting the debt, XXXX XXXX sent me a new invoice dated XX/XX/year>, demanding the same {$1900.00} balance with a due date of XX/XX/year>. 

This means that XXXX XXXX : Assigned the debt to a third-party collector, Allowed that collector to initiate FDCPA-governed communication, And then continued to bill me directly for the same balance, despite no longer being the collecting entity. 

If I had not understood my rights, I could have been induced to pay both XXXX XXXX and Reliant, a clear instance of contradictory, misleading, and potentially unlawful collection behavior. 

Additionally, the XX/XX/XXXX invoice was sent after XXXX XXXX had already sent multiple final notice emails stating my account would be placed with collections within 30 days. Those notices were themselves contradictory and inconsistent with the mailed letter I received in XXXX. 

Key points of concern : Reliant claims to hold the debt, but XXXX XXXX continued billing afterward.

This creates substantial risk of double payment.

No validation of the debt has been provided by Reliant after my written dispute. 
XXXX XXXX contradictory notices, timeline inconsistencies, and overlapping collection attempts appear unlawful and abusive.

My credit report has not yet been affected, but the conflicting collection behavior places me at risk.

I am requesting that the CFPB review this as a separate matter because it involves the interaction between a university and a third-party debt collector, as well as the potential for double-collection and violations of FDCPA 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
I am filing this complaint because the debt collection law firm Silverman Theologou , LLP has repeatedly failed to communicate with me despite their ongoing collection activity and lawsuit they filed against me without notice. 
I have made multiple attempts to obtain information about the account and payment arrangements. Each time I speak with their representative ( XXXX ), I'm told he will check with the client or the attorney, but I never receive any follow-up or communication. They have recorded calls documenting my willingness to resolve the account and the pattern of no response or resolution. 
The firm filed a lawsuit without ever contacting me directly beforehand. The last communication they had was with my bankruptcy attorney because the original debtor called my place of employment without ever calling me directly. I asked for records of attempted contact, account details, and the threatening recorded calls. The request was never completed. 
Additionally, I don't reside in the state of Maryland. Their actions- including failure to communicate, failure to provide required notices, threats of legal action, and filing a lawsuit without proper contact appear to violate the FDCPA and state consumer protection laws. I have nothing to attach because I haven't received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Someone opened 2 credit card in my name, but used a different address, and possibly a different email. 

XX/XX/XXXX XXXX XXXX  issued a card and had a {$390.00} charge made to the card. I wrote to XXXX and they removed the charges, closed the account and resolved the problem with credit reporting bureaus. Fraudulent email address used XXXX. ( This is the email of an ex-daughter-in-law, divorced from my son in XX/XX/XXXX, XXXX XXXX Texas. I believe she is now living in XXXX, XXXX ). 



XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX issued a card, no charges have been made to this account. However, I wrote a letter, XX/XX/XXXX, to WFBNA to notify them this was a FRAUDULENT ACCOUNT, CLOSE IT IMMEDIATELY. They sent me a vague letter dated XX/XX/XXXX, saying " the information is accurate '', but did not specify what information is accurate ( their info or mine ). Today, XX/XX/XXXX, I got an email from XXXX  with this month 's updates. The account still is marked as open. There is also a fraudulent address included in the credit report. 
Fraudulent Address and possible email associated with these two fraudulent accounts : XXXX XXXX XXXX. 
XXXX XXXX, CA 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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received three emails from Chime. The first that said someone had logged into my account ( I don't have a Chime account ) from a location in another state, the next said that the account had been added to a digital wallet, and the third said " welcome to Chime '' but the name did not match mine.

I called Chime and they said that the account must have been a mistake and that they would close the account and that I would no longer receive correspondence from Chime. When I asked what info was used to setup the account they said they couldn't tell me over the phone but they would send me an email. I read the email with them on the phone which only said that my email had been removed from their system. When further questioned, they would only confirm that the account did not match my name, refusing to confirm if any additional info matched mine.

After the phone call I received an additional email showing that the account was not closed, but instead multiple extra digits had been added to my email to create a different email for the account. Meaning that the closing of the fraudulent account was a complete lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am filing a dispute regarding multiple accounts and inquiries listed on my credit reports with the three major credit bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). I believe these accounts contain errors and I am requesting a thorough investigation and correction of the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$810.00} LATE PAYMENTS XXXX XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2025-11-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Summary of Issue Citi Bank mishandled a billing dispute concerning two XXXX XXXX XXXX registrations. 
XX/XX/year> : The first camp was cancelled by XXXX  ; my refund request went unanswered. 
XX/XX/year> : I opened a partial dispute for {$660.00}. 
XX/XX/year> : XXXX  removed my daughter from the second camp two days before it began ; I immediately updated the dispute to the full {$1400.00} and submitted written proof of refund approval.

Despite repeated updates and merchant confirmations that the full {$1400.00} refund was approved ( XX/XX/XXXX ) and executed by the third-party summer camp provider, Active ( XX/XX/year> ), Citi credited only {$660.00} when the case was closed on XX/XX/year>. The remaining {$740.00} has never been applied. 
I sent three follow-up emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To the best of my recollection, these emails were sent shortly after phone calls with Citi representatives to ensure my updated dispute information was received. None of these emails received acknowledgment or reply. After closure, I called XX/XX/XXXX and XX/XX/year> and was told the case would be reopened, but no action followed.

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 2025-11-17 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:
I am submitting this complaint regarding multiple accounts on my credit report that I believe to be inaccurately reported. The following are the details of the accounts in dispute : Charged Off Accounts : XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} Inquiries : No inquiries listed for XXXX at this time. 

Positive Accounts : No positive accounts to dispute for XXXX at this time. 

Late Payments : XXXX XXXX  Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> I last used my card earlier this morning and I got on it later to find it had been closed due to fraudulent activity. I have {$89.00} on there its all the money I have, I have XXXX kids no card and dont live in town. The only card that I could have tried to link and transfer was my bank card I have no other card and noway of getting one my bank card would not link s I I called customer support and they told me I could not get my money unless I did this I explained to them my situation and they told me I couldn't get my money unless I do this and id have to wait 10 business days for a decision on my fraudulent activity or something like that I can not wait that long I have XXXX XXXX XXXX XXXX  and that's all the money I have I put it in there thinking it would be safe and now im beat on my money how is that ok.i dont even understand why my account was closed and all they kept telling me was because of fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XXXX XX/XX/year>, a XXXX and XXXX notice was sent via certified mail to Ally XXXX related to my former auto loan account ( XXXX ). The letter notified Ally of its violation of terms by failing to provide statutorily required notices as it related to the settlement/repossession of my vehicle account. Ally failed to provide a Notice of Sale prior to disposition of the collateral, as required by UCC 9-611 and 9-614, and failed to provide a Deficiency Notice following the sale, as required by UCC 9-616. As such, the debt became unenforceable under 12 U.S.C. 55315536 ( Dodd-Frank Act ). Despite notice of their contract violation, Ally failed to produce proof of both proper notification of sale and the deficiency notice post sale, as well as continued to report the invalid debt on to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 not a mistake my credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways you can't fathom, and they're exacerbating an already difficult situation. Correcting or removing them would be a significant relief.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: ME

Complaint narrative:
They are trying to take my money and send it to the state of maine I have tried to reason with them but no help and I have XXXX sitting Pretty in there I need them to unrestrict my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

Company response to consumer: Closed with non-monetary relief