vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning inaccurate and erroneous child support arrears information reported on my credit report by Equifax. This false reporting pertains to one ( 1 ) missed child support payment from XX/XX/XXXX and the subsequent addition of a collection to my report. The facts of the case are as follows : I have never missed a child support payment during the timeframes reported, and my account with the XXXX Child Support Agency has been consistently in good standing. Over the past several years, I've had multiple recorded phone conversations with child support agency representatives who have confirmed my account status as current, with no penalties. I do not owe any child support arrears, and there should be no missed payments or collection listed on my credit report. On XX/XX/XXXX, the XXXX Child Support Agency inaccurately reported the one missed payment, and this false entry were subsequently added to my Equifax credit report. Despite this, the inaccurate information remains on my credit report, which has negatively affected my financial standing. Under the Fair Credit Reporting Act ( 15 USC 1681b ), I have the right to have only accurate and up-to-date information reported on my credit file. This notice is to inform you that you unlawfully reported an account to my consumer reports that did not arise from a consumer credit transaction, there were no lines of credit extended or was there any application or agreement for any lines or extension.

Child support is not a consumer credit transaction and therefore must be deleted from my Credit reports.

See Case Law : Kevin D. Miller v. TransUnion LLC. Experian Information Systems , Inc. and Support kids, Inc., Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson , LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos vs. Pacific Creditors Association, Experian Information Solutions, Inc. No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
DriveTime/Bridgecrest To Whom It May Concern, I am writing to dispute inaccurate information on my Experian credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The item in question contains incorrect repossession information, and I am requesting an immediate investigation and correction. 
Account Being Disputed * Creditor XXXX XXXX XXXX Account Number : XXXX ( as shown on my report ) * Current Status Showing : Repossession ( Reported for XX/XX/year> and XX/XX/year> ) XXXX XXXX Report Date : XX/XX/year> * Report Reference Number : XXXX Annual Credit Report XXXX XXXX Reason for XXXX XXXX  XXXX XXXX this account as having a repossession in both XX/XX/year> and XX/XX/year>. This information is factually incorrect. 
My vehicle was repossessed on XX/XX/XXXX, XXXX was no repossession event in XX/XX/year>, and reporting it as such is inaccurate and misleading. 
Under the FCRA, all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. The duplicated/incorrect repossession reporting negatively impacts my creditworthiness. 
Request for Correction I am requesting the following : XXXX. Removal of the inaccurate XX/XX/year> repossession entry. 
XXXX. Verification of the correct repossession date : XX/XX/year>. 
XXXX. Removal of any repossession notation that can not be verified as accurate and consistent. 
If Bridgecrest can not provide documentation verifying an XXXX repossession eventwhich does not existyou must delete or correct the inaccurate information per FCRA 611.

Please complete the required investigation within XXXX  days and provide me with written confirmation of the results. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime has a current referral bonus that is running from XX/XX/year> until XX/XX/year>. The current bonus amount that I have been promised is {$200.00} per referee that meets all of the necessary requirements with includes, activating the debit card and receiving a qualifying direct deposit of {$200.00} within 45 days. My second to last referral that completed all of the necessary steps but chime refused to pay me the full {$200.00} dollar amount because they insist that I missed the promotion period. Even though I have all of the terms and conditions documented, I even sent everything to them and they refused to fairly acknowledge their own terms and conditions. To make matters even worse they did not pay me any money at all for my last successful referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Company : Block, Inc. ( Cash App ) Product : Money transfer / Peer-to-peer payments Issue : Fraud / Unauthorized transfer / Improper dispute handling What happened I was the victim of a scam involving a person I sent money to through Cash App. On, I sent {$1000.00} to a Cash App user who misrepresented what the money was for and never delivered what they promised. As soon as I realized it was a scam, I contacted Cash App Support and submitted a dispute.

Cash App repeatedly denied my dispute without reviewing my documentation, and they continue to respond using automated messages instead of a real representative. They are asking me to re-submit information that is already in my file, and the decision was made within minutes, showing that no proper investigation took place. 
Why I am filing this complaint Cash App failed to perform a reasonable investigation. They refused to : review the evidence I provided verify the fraudulent activity reverse the transaction allow me to escalate the dispute to a human representative give any contact information for their legal department My dispute was denied automatically, even though I was clearly scammed. I am requesting that CFPB require Cash App to conduct a real review by an actual person, not an automated bot. 
What I want I am asking for : A full investigation by Cash App conducted by a human representative A reversal/refund of the {$1000.00} fraudulent payment Confirmation that Cash App documented the scammers account and activity Cash Apps refusal to properly review fraud claims puts consumers at risk. I am requesting that the CFPB step in to ensure fair handling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I bought an ebike in XXXX From aliexpress using paypal. During shipping XXXX damaged the bike beyond repair. I tried to warranty it with aliexpress but they kept marking it as customer denied when I didnt. So I tried to file a claim with fedex. They denied me because I didnt ship it. XXXX has my damage pictures and is going to anyway. I filed a claim with paypal. Paypal is my main complaint because during the dispute they said I needed to ship the bike back at my cost. The warranty on the aliexpress website claims I do not need to pay they will. XXXX XXXX denied shipping it because it is a hazard. Damaged ebikes can not be shipped. I got a letter from fedex telling me it cant be shipped but paypal keeps telling me to ship it amyway?? I have picture proof. They habe denoed my claim and filed a dispute on my behalf without my knowledge. Recently demanding I break the law and ship a hazardous item if I want my warranty. So Im stuck with a trashed bike and no way to retun it and a company demanding I break the law and put people in danger so aliexpress can keep their money. I documented everything from day one. Pictures and screenshots included.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took out a loan with TitleMax in XX/XX/year> for {$4400.00} and was never able to pay it off. I knew it was a month-to-month loan, but to avoid losing my car, I made 23 payments totaling {$20000.00}. I can no longer afford the payments, and the car will be repossessed. Although the payments never appeared on my credit report, the contract states that repossession will damage my credit. My complaint is simply to prevent poor people like me from having to go through this. If at least {$100.00} of each payment went toward the principal, after 23 payments, I would have already paid more than half of the loan. I think there's something wrong with this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
They dropped my score another XXXX points. At the bottom it says make payments before they are due. Which I have but they are not adding any of my on time payments to my report.... I have rent that has been paid on time also that is being reported but not added to my report.These screenshots are showing the pattern and that none of my current on time payments were added and that they dropped my score for using only 18 % of my credit balance.... which is well below the 30 % and the right range of below 30 %.... this is why I feel like this is a malicious attack. I don't know if it's because I'm XXXX or because they don't care. Something needs to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding Wells Fargos discriminatory conduct, improper treatment, and extremely invasive actions taken against my family during a lawful wire transfer. 

On XX/XX/year>, at the Wells Fargo branch located at XXXX XXXX XXXX in XXXX, my mother and I attempted to complete a wire transfer using funds from my grandmothers account. My mother is the legal Power of Attorney and verified authorized user. 

Despite providing all required identification and answering the same questions multiple times, the branch representative repeatedly questioned the legitimacy of the transaction and treated us with suspicion without justification. The representative made incorrect assumptions, repeatedly questioned the source of the funds, and implied wrongdoing even after all documentation had been verified. The tone and nature of the interrogation appeared racially motivated. 

Most concerning, after we left the branch, Wells Fargo sent a social worker to my grandmothers homeunannounced and without informing us. My grandmother was subjected to degrading assessments, including being asked to draw a clock and answer questions about her hygiene, cooking abilities, and personal living arrangements. These actions were taken despite full verification of the transaction and documentation at the branch. 

This constitutes : Discriminatory treatment during a lawful transaction.

Invasive and unjustified elder verification far beyond any reasonable safeguard.

Failure to properly honor a legal Power of Attorney.

Emotional distress and humiliation imposed on an elderly customer.

I request that the CFPB investigate this matter to determine whether Wells Fargo violated : Federal laws protecting consumers from discrimination in banking ; Regulations surrounding proper handling of POA-approved transactions ; Standards for elder financial protection without overreach or abuse ; Fair and equal treatment obligations applicable to all consumers. 

The actions taken by Wells Fargo were excessive, inappropriate, and discriminatory in effect. I am requesting CFPB review, intervention, and corrective action. 

Thank you for your attention to this matter.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A fraudulent credit card application was submitted to Comenity Bank using my personal information. I contacted Comenitys fraud department and requested the business records related to the fraudulent application, as allowed under the Fair Credit Reporting Act ( FCRA ) 609 ( e ). This federal law requires a financial institution to provide an identity theft victim with business records relating to the fraudulent account once the victim provides identification and an identity theft report.

Comenity Bank refused to provide any information at all, stating that company policy prohibits them from disclosing any details, even after I referenced FCRA 609 ( e ). I asked if I would be able to submit a police report or identity theft report and my own identification in order to access this information, to which they said that the sole way this information could be accessed was if a subpoena was issued. A blanket refusal based on internal policy is not consistent with the banks obligations under federal law. I am requesting that Comenity Bank comply with FCRA 609 ( e ) by providing the business records associated with the fraudulent application, with any legally permissible redactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: MI

Complaint narrative:
XXXX. Send this to XXXX XXXX. File a complaint with CFPB and copy paste what you sent to tekcollect https : //www.consumerfinance.gov/complaint/ XXXX. In 2-3 days this debt collection will be closed. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt that you have placed in collections under my name. I recently discovered this debt, which you claim originated from XXXX ( XXXX ). However, as you may be aware, XXXX XXXX XXXX, along with affiliated debtors, filed for Chapter XXXX on XX/XX/XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas, Case No. XXXX ( XXXX ). Subsequently, on XX/XX/XXXX, the cases were converted to XXXX  XXXX proceedings.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I am requesting the following : 1. Validation of the Debt- Provide proof that I legally owe this debt, including the original signed agreement and a detailed payment history.

2. Proof of Your Legal Right to Collect - Documentation showing that TekCollect legally acquired this debt and that it was not discharged in XXXX XXXX bankruptcy.

3. Proof That This Debt Is Still Enforceable - A statement confirming that the debt has not been discharged or rendered uncollectible due to SDC 's bankruptcy. 

If you can not provide proper validation of this debt, I request that you cease all collection efforts, remove this account from my credit report, and confirm in writing that this matter is resolved. 

Furthermore, if you continue reporting this debt without proper validation, I am prepared to file disputes with the Consumer Financial Protection Bureau ( CFPB ), my state 's Attorney General, and the Federal Trade Commission ( FTC ) for potential violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

Please note : Services and goods are no longer supplied by XXXX XXXX XXXX and they are no longer in operation. 

Please provide the requested information within 30 days of receiving this notice. If you fail to do so, I will assume this debt is invalid and will demand its immediate removal from my credit report. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation