vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
I filed a Regulation XXXX dispute with Chime Financial ( Claim ID XXXX ) on XX/XX/year> for {$830.00} under the reason Paid for Goods/Services by Other Means. 

Chime sent a final determination stating that no error occurred and closed the claim without providing any documentation or evidence supporting their decision. 

I requested copies of the records and evidence used to reach that outcome ( as required under Regulation XXXX XXXX XXXX XXXX ) and asked for a reinvestigation. Chime has not responded through XXXX or their customer service number ( XXXX ). 

The transaction in question was already paid for by another method, so the {$830.00} charge on my Chime account was a duplicate or unauthorized payment. I believe Chime did not perform a proper Reg XXXX investigation and closed the case improperly. 

I am requesting CFPB assistance to require Chime to provide the supporting documentation and complete a full reinvestigation. 

Claim ID : XXXX Account ending in : XXXX Date reported : XX/XX/year> Amount : {$830.00} Complainant : XXXX XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Against Wells Fargo Bank Location : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue : Unauthorized access to and tampering with my safe deposit box, resulting in a {$73000.00} loss, and unfair business practices in the Safe Deposit Box Lease Agreement. 
On XX/XX/XXXX, I entered into a Safe Deposit Box Lease Agreement with Wells Fargo. In XX/XX/XXXX, I discovered {$5000.00} in cash missing from my safe deposit box without my consent. On XX/XX/XXXX, branch manager XXXX XXXX informed me that my box had been mistakenly drilled open by the banks maintenance crew. I was asked to identify the contents, now stored in a plastic bag, without prior notice. The bank admitted the error but stated no security footage was available due to the absence of cameras. This incident resulted in a loss of {$48000.00} in gold jewelry and {$20000.00} in cash, totaling {$73000.00}. I filed a police report with the XXXXXXXX XXXX XXXX and a civil complaint with the XXXX XXXX XXXX XXXX XXXX. 
The Lease Agreement mandates arbitration as the sole dispute resolution method and caps liability at {$10000.00}, which Wells Fargo has refused to pay despite their admitted error. I believe these practices are unfair and deceptive for the following reasons : Inadequate Disclosure : I was not given sufficient time to review the agreement, nor was I informed of the arbitration clause or liability cap. As a first-time user, I was not offered an interpreter or legal consultation, leading me to entrust {$73000.00} in valuables under false assumptions.

Unfair Terms : The arbitration clause and {$10000.00} liability cap limit consumer redress, favoring the bank. Arbitration is costly and biased, burdening consumers with additional expenses.

Negligent Management : Unauthorized access to my box and the lack of security cameras demonstrate Wells Fargos poor oversight and accountability.

I urge the CFPB to investigate Wells Fargos disclosure practices, the fairness of the arbitration clause and liability cap, and the banks management failures. I seek recovery of my {$73000.00} loss and accountability for Wells Fargos negligence and unfair practices. I can provide supporting documentation, including the police report and court filings. Please contact me for further details.

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 2025-10-27 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: TX

Complaint narrative:
These accounts are appearing on my credit report under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is unacceptable and misrepresents my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

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 2025-10-27 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: CA

Complaint narrative:
XXXX XXXX REPORTING INCORRECT ACCOUTNS XXXX BALANCE ON MY CREDI REPROT DO XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
I am submitting this fourth follow-up complaint as a concerned consumer regarding multiple inaccuracies on my credit report that continue to misrepresent my financial history. Despite previous disputes, these accounts and inquiries remain, and I am requesting their permanent removal under my rights protected by federal law. 
The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} reported inaccurately and does not reflect my true financial history. 
XXXX XXXX XXXX Balance Owed : {$0.00} reported inaccurately as negative. 
Reporting these accounts violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 605B ( 15 U.S.C. 1681c-2 ). I request that these accounts be permanently deleted. 
XXXX XXXX XXXX, Balance Owed : {$0.00} inaccurately reported as XXXX XXXX. Reporting zero-balance accounts as charged-off violates FCRA 611 ( a ) and 605B, and must be permanently removed. 
The following inquiries were unauthorized, inaccurate, or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries violate 605B ( 15 U.S.C. 1681c-2 ), FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), and FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and must be permanently removed. 
XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX, Balance Owed : {$5800.00} this collection account is inaccurately reported and unverified, violating FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ). I request its permanent removal

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts investigated to ensure maximum possible accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} This account is inaccurately reported as having late payments. These false reports are severely damaging my creditworthiness by creating a misleading portrayal of me as a consumer who does not meet obligations on time. In reality, I have always managed my accounts responsibly, made timely payments, and maintained a strong payment history.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, a transaction was attempted using my Cash App card. The merchant subsequently canceled this transaction and has confirmed the cancellation. 
Despite the merchant cancellation, the funds have not been returned to my available balance. The charge remains in a pending status on my account, tying up my money. 

Date of Incident/Cancellation : XX/XX/XXXX, XXXX XXXX : Over XXXX days ( more than a week ). 

The core issue is that Cash App refuses to initiate a formal dispute or release the funds because the transaction has not " posted. '' As the merchant officially canceled the charge, it will never post ; it is simply a pending hold that Cash App is responsible for clearing. This policy has created an indefinite hold on my funds. 
Because my money was held for over a week due to this delay, I was forced to use Cash App 's " Borrow '' or " Advance '' product to cover other expenses, thereby incurring unnecessary fees or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I requested a chain of title, validation of debt and which this company did not provide legal documentation on this issue, and there was also inaccuracies under 2 metro characters positions : XXXX XXXX XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, Equifax received a certified dispute letter (XXXX XXXX XXXX XXXX XXXX XXXX XXXX, signature illegible) requesting reinvestigation of inaccurate, duplicate, and unverifiable credit accountsincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXXand removal of outdated personal information and unauthorized inquiries. Instead of conducting the required reinvestigation, Equifax responded by requesting additional identification documents, and after those were provided, failed to complete the reinvestigation or issue results within the XXXX-day period required under 15 U.S.C.  1681i(a) of the Fair Credit Reporting Act.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate accounts that appears on my credit report. The following accounts do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). When I first reviewed my report, I was surprised to see entries that did not match my own records or payment history, which raised immediate concern about how this data was verified. Under FCRA 1681i ( a ) ( 1 ), I have the right to request a reasonable reinvestigation of any disputed information, and I am exercising that right now to ensure my report is both fair and factual. I take pride in maintaining my financial responsibilities, and I believe every consumer deserves an accurate representation of their creditworthiness. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXXXXXX XXXX Balance {$200.00} XXXX & XXXX XXXX Original creditor : XXXX XXXXXXXX Balance {$240.00} XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. I'm filing this CFPB complaint. I have several fraud accounts on my credit report that I noticed once I checked my credit report none of these accounts were opened by me all these accounts come from fraud. Block and remove these accounts in 4 days in accordance with FCRA 605B ( 15 U.S.C. 1681 c-2 ) Midland Credit Management XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a Bank of America credit card customer for over three years. When I opened the card, I set up AutoPay to pay the full statement balance by the due date each month. I never had any issues with this feature, and my checking account has always had sufficient funds to cover all payments. 

In XXXX, while reviewing my account rewards, I noticed that my payment was marked past due. I immediately contacted Bank of America and learned that my AutoPay had been turned off sometime in XXXX or XXXX. I was never notified that AutoPay was deactivated. The only reason I did not notice sooner is that I had a small credit balance for a couple of months.

After researching online, I found that other Bank of America customers have reported the same issue AutoPay being turned off without notice or authorization. Fortunately, I caught this before the missed payment was reported to the credit bureaus, but this appears to be a recurring problem that could harm consumers credit scores and lead to unnecessary fees.

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 monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate items on my credit report that have caused significant harm to my financial reputation and are not being reported in compliance with the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 602 ( A ), I have the right to fair and accurate credit reporting, and Section 607 ( B ) requires credit bureaus to maintain maximum accuracy in all reported information. Additionally, FCRA Section 611 ( A ) grants me the right to dispute and request reinvestigation of any unverifiable data, while Section 623 ( A ) holds furnishers responsible for reporting complete and accurate information. Finally, FCRA Section 605 ( A ) prohibits the continued reporting of outdated or unverifiable items. Based on these provisions, I respectfully request the permanent deletion of the disputed entries from my credit file to ensure compliance with federal law and to restore the integrity of my credit profile. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: OH

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or authorized any of them. This is unacceptable and misrepresents my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have toed for the past few years to communicate but to no avail I paid Ive {$6000.00} to escrow as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Credit Bureau Representative, I am writing to dispute and request validation of certain accounts reported as late or delinquent on my credit file. Upon review, I identified entries that appear to be inaccurate, outdated, or unverifiable under the Uniform Fair Credit Reporting Act ( UFCA ) 1681s-2 ( a ) and the Metro 2 Reporting Compliance Guidelines.

At this time, I am in active deferment with several creditors. Any notation of missed or late payments during this deferment period is factually incorrect and violates FCRA and Metro 2 accuracy standards, which require furnishers to report deferment status accurately and suspend delinquency reporting during approved deferment periods. Under the Fair Credit Reporting Act ( FCRA ), cr
edit bureaus must ensure that all furnished data are complete, accurate, and verifiable. Several of the accounts in question appear to have been re-aged or misclassified, contrary to Metro 2 guidance prohibiting modification of delinquency dates or continued reporting of non-current accounts.

Furthermore, following the XX/XX/XXXX lawsuit and subsequent compliance directives, furnishers and credit bureaus were explicitly reminded of their duty to validate every consumer debt prior to continued reporting and to delete any unverifiable or non-compliant data. 
Accordingly, I request that you : Validate each reported account ( including creditor name, account number, date of first delinquency, payment history, and balance ).

Correct or remove all inaccurate or unverifiable entries inconsistent with UFCA 1681s-2 ( a ), FCRA 611, and Metro 2 standards.

Provide written confirmation of your investigation within 30 days. 
If these accounts can not be verified or updated accurately, they must be deleted from my credit file in compliance with federal law. 
CFPB Complaint Notice If the inaccuracies are not corrected within the required timeframe or if validation is not provided, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This complaint will include documentation of this certified dispute, supporting records of my deferment status, and evidence of non-compliance with UFCA 1681s-2 ( a ), Metro 2 Reporting Guidelines, and the enforcement actions stemming from the XXXX settlement. I am prepared to pursue all appropriate remedies under the FCRA to ensure my credit record reflects only accurate and verifiable information. 
Thank you for your immediate attention. I expect written confirmation of receipt and investigation results within the statutory 30-day period.

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 2025-10-27 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: MA

Complaint narrative:
Dear Credit Bureau Representative, I am writing to dispute and request validation of certain accounts reported as late or delinquent on my credit file. Upon review, I identified entries that appear to be inaccurate, outdated, or unverifiable under the Uniform Fair Credit Reporting Act ( UFCA ) 1681s-2 ( a ) and the Metro 2 Reporting Compliance Guidelines.

At this time, I am in active deferment with several creditors. Any notation of missed or late payments during this deferment period is factually incorrect and violates FCRA and Metro 2 accuracy standards, which require furnishers to report deferment status accurately and suspend delinquency reporting during approved deferment periods. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all furnished data are complete, accurate, and verifiable. Several of the accounts in question appear to have been re-aged or misclassified, contrary to Metro 2 guidance prohibiting modification of delinquency dates or continued reporting of non-current accounts. 

Furthermore, following theXX/XX/XXXX lawsuit and subsequent compliance directives, furnishers and credit bureaus were explicitly reminded of their duty to validate every consumer debt prior to continued reporting and to delete any unverifiable or non-compliant data. 
Accordingly, I request that you : Validate each reported account ( including creditor name, account number, date of first delinquency, payment history, and balance ).

Correct or remove all inaccurate or unverifiable entries inconsistent with UFCA 1681s-2 ( a ), FCRA 611, and Metro 2 standards.

Provide written confirmation of your investigation within 30 days. 
If these accounts can not be verified or updated accurately, they must be deleted from my credit file in compliance with federal law. 
CFPB Complaint Notice If the inaccuracies are not corrected within the required timeframe or if validation is not provided, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This complaint will include documentation of this certified dispute, supporting records of my deferment status, and evidence of non-compliance with UFCA 1681s-2 ( a ), Metro 2 Reporting Guidelines, and the enforcement actions stemming from the XXXX settlement. I am prepared to pursue all appropriate remedies under the FCRA to ensure my credit record reflects only accurate and verifiable information. 
Thank you for your immediate attention. I expect written confirmation of receipt and investigation results within the statutory 30-day period.

Company response to consumer: Closed with explanation