vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision :XX/XX/XXXX Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that pers
on knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
A payment to me from a purchase on XX/XX/year> was refunded by cashapp for unknown reason. Customer did not dispute the transaction for {$180.00}. on XX/XX/XXXX cashapp charged my debit card {$180.00} for alleged " purchase '' that I made from said customer. the customer never received the {$180.00} and has no documentation of any refund being applied to initial purchase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
Company : LendingPoint Product : Installment Loan Issue : Payment not credited / Incorrect information on credit report / Improper servicing Requested Resolution : Immediate posting of payoff, confirmation of PAID IN FULL status, and written confirmation that no negative information has been or will be furnished to any credit bureau. 

What happened ( Full Narrative ) : I refinanced a second mortgage on my home, and as part of my closing, my title company issued a full payoff check to LendingPoint for Account XXXX. XXXX. The check was overnighted, received by LendingPoint weeks before the payment due date, and has already been cashed by LendingPoint ( supporting documentation attached ). 


Email with Check Payment Before the payoff arrived, I called LendingPoint and instructed them to remove my automatic payment. Their representative confirmed autopay was removed. 

Despite LendingPoint receiving and cashing the payoff check, the company has failed to apply the payment to my account for nearly a month. Instead, I continue to receive text messages, emails, and overdue notices. I have called LendingPoint multiple times. Each time, their representatives tell me they wont hurt my credit and that the funds are in accounting, yet they still have not posted the payoff or corrected the account. 

This is false, misleading, and harmful servicing behavior, and it places me at risk of incorrect, negative credit reporting. I have requested a supervisor on every call and was eventually told to email proof of the cashed checkwhich I didbut the account remains uncorrected. 

This has caused me significant stress and uncertainty due to the potential credit damage. The companys own employees admit they have the funds but continue to leave my account in overdue status. 

What I want LendingPoint to do : Immediately post the payoff and update the account to PAID IN FULL. 

Provide written confirmation that no negative credit reporting has been or will be sent to XXXX XXXX XXXX XXXX. 

Remove all inaccurate overdue or late payment designations from my account. 

Correct any inaccurate data already furnished to credit bureaus, if applicable. 

Why this is a regulatory issue : LendingPoint has accepted funds and failed to credit them in a timely manner. 

Their notices create a false overdue status. 

This is a violation of obligations under the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and general consumer protection standards requiring prompt and accurate posting of payments. 

I am requesting the CFPBs immediate assistance to compel LendingPoint to post my payoff, correct my account, and confirm in writing that my credit will not be harmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint about unauthorized transactions on my Chime checking account. I noticed two fraudulent transactions pending on my account ( XX/XX/year> at approximately XXXX ) and because they were pending, Chime told me I could not dispute them yet. However, I was given the option to cancel my debit card and order a new one. I canceled the card and received email confirmation from Chime that the card was canceled and new one had been shipped ( at XXXX ) After the cancellation, Chime still allowed more than XXXX additional unauthorized transactions to go through on the same card ( last XXXX of debit card XXXX ) number ( all after XXXX on XX/XX/year> ). These charges pushed my account to over {$800.00}. A canceled debit card should not continue to allow transactions. 

Chime is refusing to provide provisional credit and told me I must wait until XX/XX/XXXX for their investigation to finish. This violates Regulation E, which requires the bank to provide provisional credit within XXXX business days after I report unauthorized transactions. These extra transactions only occurred because Chime allowed charges on a canceled card. 

This situation has caused significant financial hardship, and I am requesting assistance so that the funds are restored immediately while the investigation continues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 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: I.C. System, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

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 2025-11-23 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: U.S. BANCORP
State: GA

Complaint narrative:
I made a complaint on XX/XX/year> about us bank is reporting on my credit report and the company still have not sent me any proof that the debt belongs to me but still reporting to my credit. Us bank was removed from my credit report but came back with out providing any proof that debt belongs to me

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 2025-11-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, a hard inquiry from Wells Fargo Card Services was added to my credit report. I did not apply for any Wells Fargo credit card, financing, or credit product on or around that date. I did not authorize Wells Fargo or any related entity to access my credit file for a hard inquiry. 

This inquiry was placed on my credit report without my knowledge or permission. I have no record of submitting an application, completing a form, requesting financing, or engaging in any transaction that would require a credit check. I did not receive any disclosures or communications indicating that a credit inquiry would be performed. 

Because this inquiry was not initiated or approved by me, I am disputing it as an unauthorized credit pull under the Fair Credit Reporting Act. I am requesting that the inquiry be removed from my credit report and that the furnisher confirm that no credit was extended or opened in my name based on this unauthorized inquiry.

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 2025-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This is not me or my health issues... I know that the credit system was hacked and XXXX XXXX XXXX people information was took over I need this deleted and removed ed from my credit report immediately because this was not me FCRA 605B ( 15 U.S.C. 1681c-2 ) All fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Credence Resource Management Attn : Collections Department RE : Cease and Desist Request - Account No. XXXX To Whom It May Concern : I am writing to formally request that Credence Resource Management cease all communication with me regarding the above-referenced account. 
This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Effective immediately, you are required to stop all forms of contact with me, including telephone calls, letters, emails, text messages, or any other method of communication. 
You may only contact me if the FDCPA permits it, such as to inform me that you are ending further collection efforts or to notify me of specific legal actions you intend to take. 
Please update your records to reflect this cease-and-desist demand. 
Sincerely, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Dispute of Inaccurate Information on Account I am disputing inaccurate information on my account, which I believe is the result of identity theft stemming from a data breach that exposed my personal information. Pursuant to 15 U.S. Code 1681 ( Fair Credit Reporting Act ) and Section 605B ( 15 U.S.C 1681c-2 ), I request that this inaccurate information be investigated and blocked. 
Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I attempted to withdraw cash from an ATM on XX/XX/year>, but the machine did not dispense any money. However, my Chase account shows the withdrawal as if the cash was successfully taken. I did not receive any funds.

I reported this issue to Chase, and they conducted an investigation, but they did not correct the mistake and have not returned my money. I am requesting assistance from the CFPB because I never received the cash, and the bank has not resolved the problem. 

I am requesting that the bank provide verifiable evidence such as the ATM journal, dispenser log, and camera footage from the ATM to confirm that the cash was not dispensed. I am also requesting that Chase issue a refund for the incorrect withdrawal. 

Details of the incident : Date of transaction : XX/XX/year> Time ( approximate ) : Between XXXX XXXX and XXXX XXXX  Amount : {$200.00} ATM location : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, United States ATM type : Chase ATM ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Additional information : The ATM malfunctioned and did not release any cash. I waited, and no one else retrieved the money. This was clearly an ATM dispensing error. I am requesting the CFPBs intervention to ensure the bank properly reviews the evidence and refunds the funds that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
The stuff on my credit report is not mine or it was unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
The stuff on my credit report is not mine or it was unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent 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 explanation
Consumer complaint received 2025-11-23 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: NCB Management Services Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I paid off a debt XX/XX/year>. They were supposed to send me a pay to delete letter after I paid off a debt that wasnt even mines. They were also supposed to send me a receipt that it is in paid in full with a XXXX balance. Each time I call I tell them I havent received anything. They were supposed to send an email, letter in the mail. They stated they did sent out but they havent. I told them I am reporting them because we had an agreement in order for to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX, who is reporting an alleged apartment debt originating from XXXX in XXXX, GA. 
I was told by the XXXX XXXX XXXX that my security deposit would be applied to my last month 's rent. I was never provided a final itemized statement, damages list, move out ledger, or proof of any balance. XXXX XXXX has not validated the debt. 
I am currently in an active XXXX  XXXX XXXX, and this reporting XXXX violate FCRA 602, 611, 623, FDCPA 807/809, and bankruptcy protections under 11 U.S.C. 362.

IQ Data has refused to provide documentation supporting the balance. I request that CFPB require IQ Data to fully validate the debt or delete the tradeline entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, I was the victim of a Wells Fargo bank impersonation scam. I received a fraudulent text message claiming to be Wells Fargo XXXX XXXX, asking whether I had authorized a XXXX transfer. I replied XXXX. Immediately afterward, I received a phone call from someone who said they were from Wells Fargo fraud/security and that my money was at risk of being stolen. 

I was instructed by these scammers to urgently transfer my money into secure accounts to protect it. Under that deception, I completed XXXX wire transfers totaling {$19000.00} to accounts controlled by criminals. I believed I was working with Wells Fargo the entire time. 

As soon as I realized this was fraud, I reported it to Wells Fargo and filed a police report with the XXXX XXXX XXXX XXXX : Case Number XXXX. 

Wells Fargo denied my claim, stating the transactions followed their security procedures. This is incorrect under Regulation XXXX, because a consumer can not authorize a transaction when being manipulated by fraud and bank impersonation criminals. These are unauthorized electronic fund transfers under 12 CFR 1005.2 ( m ) and 1005.6 ( a ).

This loss has caused significant financial hardship and emotional distress. I am requesting CFPB assistance to : Order Wells Fargo to reopen my claim Properly classify this as unauthorized fraud Reimburse the full {$19000.00} that was stolen Provide documentation of their investigation and decision Thank you for your help.

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 2025-11-23 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: MI

Complaint narrative:
I call in to complain to all credit agencies that my credit report says companies has been literally running credit to three or more lenders putting hard inquiries on my credit report which negatively affects me

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 2025-11-23 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 call in to complain to all credit agencies that my credit report says companies has been literally running credit to three or more lenders putting hard inquiries on my credit report which negatively affects me

Company response to consumer: Closed with explanation