vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX processed a {$550.00} refund to my XXXX XXXX card ending in XXXX linked to my Cash App account. XXXX confirmed the refund was successfully funded on XX/XX/year> and provided the XXXX XXXX XXXX ( XXXX ) : XXXX. 

Despite this, Cash AppXXXX XXXX  has not credited the funds to my account. I have contacted Cash App support multiple times and specifically requested they escalate the issue and run an XXXX trace, but they have refused to do so or provide any resolution. 

XXXX records and trace prove that the funds left their system and were received by Cash App/XXXX XXXX . The issue is now entirely on the receiving banks side, yet they continue to deny responsibility or escalate the matter. 

I am requesting the CFPBs assistance in compelling Cash App/XXXX XXXX  to locate, apply, or release my {$550.00} refund that was properly transmitted and documented

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CHARLES SCHWAB CORPORATION, THE

Complaint narrative:
On XX/XX/XXXX a charge was made from someone named XXXX XXXX near XXXX XXXX in XXXX for {$1000.00} Charles Swabb XXXX XXXX XXXX, XXXX XXXX denied my claim in 2 days without any real research. She said it was because the cards chip was read and I admitted the card was in my possession which was true. I had my card. 

I explained that was impossible as I was no where near XXXX XXXX ( especially at XXXX ) I explained I was at XXXX XXXX day in XXXX XXXX I live. Its XXXX kilometers from XXXX XXXX My caretaker took me to XXXX and dropped me back at my apartment that afternoon. I am XXXX yr young and have people looking after me most of the day. 
I have no vehicle nor do XXXX XXXX. 

I sent XXXX web articles about how a chip could easily be read without the owner being present. 
I included articles from XXXX with details on a product that is easily purchased and accomplishes just that. 

As it stands now XXXX And XXXX say the case is closed and resolved. 
I disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
First thing lets make it clear when you come in the middle of the night and steal my truck that is not the following. 
A voluntary repossession requires you, the borrower, to initiate the process and arrange to return the vehicle to the lender. An involuntary repossession ( simply called a " repossession '' ) occurs when the lender or its agent takes the vehicle without your cooperation, which can be done without prior notice in many states, often in the middle of the night.

The bank 's action of taking the truck in the middle of the night without your involvement is an involuntary repossession, not a voluntary one That is issue 1a issue 1b I never did somekind of secured teleconference or what ever you going on about as it is false information anyhow. So now that you know it was not a voluntary anything lets stop lieing about that.

2. Wells fargo reported it as a involuntary and also charged repo fees and you left the truck in my name for 13 years and then bought the loan back inn 2021. Again all pointing to nothing voluntary at all. 
Just lies flowing from you. 
3 I was having issues with my health and you rep avoided my calls only to do the arbitration discrimnating agaisnt me major.

. Arbitration is a form of alternative dispute resolution in which the parties to a disagreement agree to have their case heard by a neutral third party ( an arbitrator or panel of arbitrators ) outside of the traditional court system. The arbitrator reviews evidence and arguments from all sides and renders a final, legally binding decision ( known as an " award '' ), which is generally only subject to very limited judicial review. You will note there are 3 partys to do this right. When one of the partys is disabeld and waited 13 years on you it is not arbitration to have one party unable to be there for what ever reason. You attitude is as such that wells fargo keeps getting caught stealing for the people that bank with them showing you have learned zero and you are a problem being at wells fargo bank and one that maybe should have went to jail with other wells leadership. You should be put out of business for stealing and lieing. You are not even good at that.

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 2025-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX based out of XXXX, Tennessee did not notify me in one single way of trying to collect a debt since XXXX. They garnished my checking account for {$6500.00} XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
Inaccurate information too many different vendors have my information and report inaccurate info on my account

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 2025-10-20 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: IL

Complaint narrative:
I want to be absolutely clear, this is not a misunderstanding. My credit report contains multiple incorrect entries that fail to meet the standard of accuracy required by law. These repeated inaccuracies are causing tangible harm to my finances and wellbeing, creating undue hardship and stress. This situation is unacceptable and must be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
Inaccurate information too many different vendors have my information and report inaccurate info on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
Inaccurate information too many different vendors have my information and report inaccurate info on my account

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 2025-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
The company continued contacting me directly after I notified them that my daughter, XXXX XXXX, is my authorized representative and handles my estate. 
I did not receive a signed or notarized copy of the documents they had me sign. They gave me unsigned copies because it was late and that I would get the signed copies in the mail. 

The final amount increased by XXXX without explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
I XXXX XXXX XXXX was in a car accident and in the chaos of the accident my wallet phone and cards were stolen .. they were used to make multiple unauthorized transactions withdrawal and purchases .. because the theft had access to my phone whixh had access to everything cause chime to Believe that the transactions being made were me and authorize .. when this was brought to my attention I contacted chime to dispute the transactions they deemed it denied .. which h is not acceptable because I didn't make the transactions I was in XXXX XXXX .. it XXXX looked like it was me making the transaction but after sending reports stating it was unauthorized I still was not refunded the money that was stolen and my money is insured up to XXXX and I don't understand how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate accounts and inquiries that do not belong to me. The following collections are falsely reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$130.00} ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( {$660.00} ), XXXX XXXX # XXXX XXXX XXXX XXXX  {$140.00} ), XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  {$430.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} ). Inquiries in dispute : XXXXXXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX  XX/XX/XXXX ). These are indicators of mixed file or misreporting. Under FCRA 1681e ( b ), 1681i ( a ), and 1681c ( a ), only accurate and verifiable data may be reported. The XXXX XXXX XXXXXXXX inquiry is unauthorized under 1681b ( f ).

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 2025-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and XXXX score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries remain on my record. This failure to act is unacceptable. 

The continued presence of these potentially fraudulent entries is highly concerning and raises serious suspicions of identity theft. This ongoing issue has caused significant emotional and financial distress.

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 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: TN

Complaint narrative:
I am disputing the collection account reported by " The Bureaus '' with a balance of XXXX}, originally from XXXX XXXX. The dates associated with this account are inaccurate and misleading. 
The account is shown as opened on XX/XX/XXXX, and reported as of XX/XX/XXXX. However, this is not when the original debt was incurred, and the account appears to be re-aged in violation of the Fair Credit Reporting Act ( FCRA ). 
Additionally, the balance reported is inflated by over {XXXX} compared to what was owed to XXXX XXXX prior to the sale. I never agreed to these additional fees, and they were never disclosed or validated. 
Due to these serious inaccuracies including incorrect dates, inflated balance, and misleading reporting I request that this collection account be deleted in full from my credit report. If the furnisher can not verify and correct all information, it must be removed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
they still haven't remove there information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account remove all my accounts that dont belong to me, has violated my rights. 

I looked at my Experian credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedu

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
Please help mohela has Poor customer service wait times over and on let XXXX tried to call with questions about my loan that they are wrong no one never answers and when they do the phone hangs up. Mohela is very unresponsive with my communication to them. The customer service rep gave me inaccurate information then got mad at me and hung up. 
My PSLF is mismanaged and incorrect. All of my MOHELA PSLF payments are not correct. Furthermore, they take the loans off my credit and then back on causing my my credit score to drop often over the last 3 years. This is stressful and heartbreaking since we were in the process of making big purchases but unable to become approved due to the drop in credit from mohela add to my credit every 4 months. 
My last straw was today when I asked to send my case to a manger or supervisor due to these issues after the call the added mohela loans to my credit profile again. Please help

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bilateral Credit Corp, LLC
State: NY

Complaint narrative:
This reporting is false and damaging to my credit profile. I have taken all proper steps to dispute it including contacting Bilateral Credit Corporation directly and filing a Federal Trade Commission ( FTC ) identity theft report yet the account remains on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires immediate blocking and deletion of any information resulting from identity theft once the proper documentation is received.

Because Bilateral Credit Corporation has failed to comply with federal law and continues to report inaccurate data, I am requesting that the CFPB take immediate enforcement action to ensure this account is deleted from all consumer reporting agencies. 

I have enclosed copies of my FTC Identity Theft Report, relevant dispute correspondence, and credit report documentation showing the inaccurate account. 

Thank you for your prompt attention to this matter. I respectfully request written confirmation that this account will be removed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Company : Mr. Cooper ( Nationstar Mortgage LLC ) Product : Mortgage Issue : Improper mitigation handling, missing documentation, and unauthorized credit inquiry. 

What happened While my mortgage was serviced by Mr. Cooper, I was repeatedly asked to resubmit assumption and mitigation paperwork XXXX times, with no resolution. 
During that period, they continued to charge late fees while claiming they had not received documents. 

After I threatened legal action, they refunded {$250.00}, removed a few fees, and pushed my account forward but they refused to complete the loan assumption, leaving my deceased mothers name on the loan. 
She passed away in 2022, and their refusal has made it impossible to clear title or fully assume the loan. 

In addition, in XX/XX/year>, a representative named XXXX XXXX attempted to originate an unauthorized refinance for {$100000.00} without my consent. 
I never signed any documents, yet a hard credit inquiry appeared and my credit score dropped significantly.

This was an unauthorized credit pull and improper origination attempt under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-10-20 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: TX

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 reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$54000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$34000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Good afternoon, my name is XXXX. I'm writing a complaint to Chime on a refund of my Dispute and Rebuttal. I had placed a dispute and rebuttals on XX/XX/XXXX of {$8000.00} total in transcation from XXXX with my Chime debit card for XXXX XX/XX/year>. 

I spoke to customer service representative on XXXX that I was dissatisfied with a service someone was providing for my family and I requested a refund. They told me I can request the refund and go to Chime to dispute the whole transactions where their debit card originally came from. 

I gave Chime over 60+ documents of screenshots of all receipt/invoices of the $ XXXX transcation from this XXXX with all the reason for initiating the dispute. Chime constantly kept missing my information and documents that I constantly sent for the dispute daily and closed by dispute without notifying me at all. Then they.did the same thing again when they closed both of my rebuttals. 

Despite this, Chime closed both my dispute and all subsequent rebuttals prematurely, without providing a clear explanation or justification. Nor was there any sign that my evidence was reviewed seriously. The responses I received from Chime were vague, unhelpful, and dismissive. 

Chime didn't conduct a fair and thorough investigation into my claim, violating my rights under the Electronic Fund Transfer Act ( EFTA ). I had the right to dispute this charge and be treated seriously, especially given the amount of evidence I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This information is incorrect. I have already filed an identity theft and fraud report with the Federal Trade Commission ( FTC ) and provided this documentation to XXXX. Despite this, they have failed to investigate properly or remove the account as required under the Fair Credit Reporting Act ( FCRA ), Section 605B, which states that a consumer reporting agency must block and remove fraudulent information upon receiving proper documentation. 

Because I have complied with the FTC reporting and contacted the furnisher directly, XXXX is now in violation of the FCRA by continuing to report inaccurate data. I am therefore requesting that the CFPB take immediate action to ensure this account is deleted in its entirety from all consumer reporting agencies. 

I have included copies of the FTC identity theft report, correspondence with XXXX, and the relevant credit report showing the inaccurate account details.

Company response to consumer: Closed with non-monetary relief