vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
XX/XX/25 There was unauthorized access to my chime account. The email and phone number on file were changed. There was {$290.00} transferred from my account to another person 's own chime account via the pay anyone feature. I did not authorize the login nor the transaction. I disputed this with chime, and within XXXX hours my dispute was denied. Upon reopening the dispute, the agent sent me a link to submit screenshots of the email notifications regarding when my account was hacked. The link did not work. I called back and the agent guessed that the link was not working and advised me to wait an unspecified amount of time to try again, and to call back if it still did not work. I asked for XXXX  escalation and was denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
I recently discovered a collection account ( XXXX XXXX XXXX {$5300.00} ) that appeared on my credit report which is not mine and appears to be the result of identity theft. I immediately filed a dispute with Equifax, but despite disputing this with Equifax, the account is still on my credit report. 

At this time, I am unable to file an FTC Identity Theft Report due to the current federal government shutdown, which has temporarily suspended the FTCs reporting system. As soon as the system becomes available again, I will complete that report and provide a copy to all relevant parties. 

Please note that I have no financial responsibility for this account and am actively pursuing all legal channels to correct this error. 

Thank you for your understanding as this situation is being resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
What Likely Happened : Check XXXX on XX/XX/year> ( {$25000.00} ) : The bank put a hold on most of the check, which is common for large deposits. 

{$6500.00} was made available early, and the rest was scheduled to clear on XX/XX/year>. 

XXXX by XXXX State of J : On or before XX/XX/year>, the XXXX of XXXX issued a levy or garnishment request to your bank to seize funds for unpaid taxes. 

Despite the funds being on hold, the bank released the full amount ( or part of it ) to the state before XX/XX/year>. 

Key Legal/Banking Points : Funds on Hold Can Still Be Levied : Even if the funds are not available to you due to a check hold, banks XXXX still consider them " in the account '' for legal purposes meaning they can be frozen or seized by a valid lien or XXXX. 

Timing is Crucial : If the XXXX XXXX request came before the funds were officially available to you, and the bank accepted it, you might have grounds to challenge the validity of the XXXX based on the hold status. 

Why the XXXX Was Filed : You mentioned the state filed the XXXX because you couldn't make your payment but thats not typically a valid defense. From their view, you didnt pay, so they acted. 

Your Possible Actions : Request Documentation from the Bank : Ask for a detailed transaction history and funds availability schedule for the check. 

Get a copy of the notice of XXXX from XXXX State of J and how your bank responded to it. 

XXXX a Formal Dispute with the Bank : If you believe the bank released funds prematurely or in error, file a written dispute. 

Ask them to explain their reasoning in writing, especially regarding releasing held funds. 

Contact the XXXX XXXX XXXX : Request a review or appeal of the XXXX if the funds werent technically accessible to you when the levy was executed. 

Show that you intended to pay and that the funds were held, which delayed your payment. 

Legal Assistance : You XXXX want to speak with a tax attorney or a consumer rights attorney ( some offer free consultations ). 

Especially if this XXXX created overdrafts, bounced payments, or impacted your finances.

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 2025-10-17 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:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6400.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX {$5400.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on 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 2025-10-17 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX Missouri XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : XXXX XXXX {$310.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account # XXXX reported as a collection with inconsistent balance and reporting dates across bureaus. No validation received. Violates FCRA 623 ( a ) and FDCPA 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
MOHELA issued a corrected IRS Form 1099-C for tax year XXXX showing cancellation of {$38000.00} as of XX/XX/XXXX, under Identifiable Event Code G ( decision or policy to discontinue collection ). 
Despite this official IRS filing, MOHELA continues to treat the account as active and is seeking payment. 
On XX/XX/XXXX, MOHELA stated that it needed a 90-day review period to determine whether to approve, deny, or further investigate the corrected 1099-C. On XX/XX/XXXX, MOHELA claimed it had XXXX record of the discharge and requested a discharge letter, ignoring the corrected 1099-C it previously issued and received. 
I have already provided the corrected 1099-C multiple times, including through certified mail on XX/XX/XXXX ( tracking attached ). This form is the legal record of cancellation ; there is no separate discharge letter for this identifiable event. 
I am requesting that the CFPB require MOHELA to : Acknowledge and honor the debt cancellation shown on the corrected 1099-C, Cease all collection activity, and Correct any internal records or credit reporting related to this cancelled debt.

Company response to consumer: In progress
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
This is my second complaint against XXXX  regarding the ongoing issues with the XXXX XXXX XXXX application process ( issued by XXXX ). 

XXXX  has repeatedly failed to allow me to properly complete my credit card application due to a persistent technical system error on their website and app that prevents me from entering my Social Security Numbera required field to verify identity and submit the application. 

I contacted XXXX  support, and they instructed me to remove a credit freeze from XXXX XXXX ( a sub-bureau often used for identity verification ) before reapplying. I followed their exact instructions and successfully removed the freeze. Despite doing so and notifying XXXX, the same issue persists, and no one from Gemini has resolved the technical blockage or responded with a clear fix or timeline. 

Because the system continues to prevent me from submitting my SSN, I am being denied the ability to even apply for the XXXX  Credit Card. XXXX  lack of action and communication has effectively resulted in a procedural denial of credit that may violate its obligations under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) and the CFPBs Regulation B ( 12 C.F.R. 1002 ), which require lenders and their agents to ensure fair and non-discriminatory access to credit.

Furthermore, their failure to address this issue after direct notice constitutes poor customer service, a lack of compliance oversight, and potential negligence in handling consumer access to financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
The account has been paid in full, yet it still displays late payment information.

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 2025-10-17 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an Apple Card ( issued by Goldman Sachs ). A transaction from my doctors office has been repeatedly mislabeled by the issuer with the wrong merchant name. 

* First, the transaction appeared on my Apple Card statement as XXXX. 
* After I raised the issue, the merchant name was changed, but still incorrectly, a different merchant, not my doctors office. 
* Despite my providing receipts from my doctors office showing the correct merchant and amount, Goldman Sachs has not corrected the record to show the true merchant. 

This ongoing mislabeling has made it difficult to dispute related charges and has caused confusion for my financial and medical records. I have requested correction multiple times, but the errors persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Durrett Motor Company, Inc.
State: MO

Complaint narrative:
15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided.

It is my understanding that because I was unable to make an uninformed decision, the agreement is void.

DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$140.00} XXXX  XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX  XXXX Balance : {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX at XXXX XXXX  and I attempted to withdraw {$220.00}. The transaction showed as completed, but I was only able to get {$80.00}, leaving {$140.00} stuck in the machine. The XXXX attendant was able to retrieve only {$80.00} and I was told to contact the number listed on the machine. That connected me with a representative of XXXX XXXX. He told me to file a dispute with the bank associated with the card used. He told me to have them file an E Regulation Claim and to ask for a provisional refund which I did on XX/XX/XXXX. Cash Ap  is the agency I contacted because I had used my cash ap debit card. I had called Cash Ap about this dispute several times before being told that it would take up to 45 days for them to investigate and give me an answer as to whether or not the would honor my dispute and refund me the {$140.00} thst I still have not received. I have done everything that I have been told to do regarding this. Yet still today, 46 days later Im still being made to feel like they really arent interested in helping me to get the money Im owed. Ive offered to get all three individuals involved at this point on the phone with Cash Ap on a conference call because thats the only investigating that needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Debt Validation & Cease and Desist Complaint WFBNA Card This complaint pertains to a derogatory WFBNA credit card account being reported as a collection or charge-off. No documentation or evidence of ownership, balance accuracy, or charge-off details has been provided. Under FDCPA 809 ( 15 U.S.C. 1692g ), the furnisher is required to validate the debt, and under FCRA 1681e ( b ) and 1681i, the bureau must ensure accuracy and reinvestigate disputed data. This account appears to have been reported without validation and continues to harm my creditworthiness. I am requesting that this account be deleted or fully validated with original signed documentation and itemized balance records.

You are hereby instructed to immediately CEASE AND DESIST all collection activity, reporting, or communication regarding this account until full written validation is provided. Any continued furnishing or collection without validation constitutes a willful violation of FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 1681s-2 ( a ).

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 2025-10-17 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:
Subject : Follow-Up : Equifax Failed to Correct Inaccurate Personal Information FCRA Violation Prior CFPB Case XXXX XXXXXXXX Consumer Name : XXXX XXXX XXXX SSN XXXX XXXX XXXX ) : XXXX Original CFPB Case XXXX XXXX XXXXXXXX Date Originally Submitted : XX/XX/year> Date of Current Report : XX/XX/year> Credit Bureau : Equifax Information Services XXXX XXXX To the Consumer Financial Protection Bureau, I am submitting this follow-up complaint because Equifax has failed to comply with federal law and with the previous CFPB case ( XXXX XXXXXXXX ) regarding incorrect personal information on my credit report. I have waited months for correction, yet my latest Equifax report dated XX/XX/year> continues to display multiple false entries. 

Background : My original complaint ( filed XX/XX/year>, Case XXXX XXXXXXXX ) clearly identified the incorrect personal information and requested correction under the Fair Credit Reporting Act ( FCRA ). Despite XXXX claim that the matter was reviewed, no changes were made, and the false data remains. 

Inaccurate Information Still Appearing : Name : Incorrectly listed as XXXX XXXX Correct legal name : XXXX XXXX XXXX Address : Incorrectly listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Correct current address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Employment : Still shows multiple false employers XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Only correct employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Violation : Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), Equifax is legally obligated to : Conduct a reasonable reinvestigation when a consumer disputes information. 

Correct or delete inaccurate or unverifiable information within XXXX  days. 

Provide the consumer a written confirmation of all corrections. 

Equifax has failed to meet these legal requirements after multiple written and electronic disputes and even a prior CFPB case submission. This ongoing negligence is a direct violation of FCRA Section 611, as the bureau continues to publish false identity and employment data that is materially misleading.

Summary : I have made every reasonable effort to get this corrected directly with Equifax and through the CFPBs process. The ongoing publication of false information about my name, address, and employment is unacceptable and unlawful. I respectfully ask the CFPB to take immediate enforcement action to ensure full compliance and correction of my file. 

Thank you for your continued assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation