vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: E Mortgage Capital, Inc.
State: WA

Complaint narrative:
Subject : Abusive and Unprofessional Conduct by Loan Officer NMLS # XXXX I reached out to E Mortgage Capital, IncXXXX ( NMLS # XXXX ) requesting a standard loan estimate and a detailed cost breakdown. Instead of receiving transparency and professionalism, I was subjected to abusive and hostile communication from their loan officer.

The officer had previously encouraged me to not hesitate to reach out, yet when I followed that guidance and requested basic loan details, I was met with aggression and personal attacks. This behavior is completely unacceptable and demonstrates a lack of professionalism and basic customer etiquette. They even took my SSN number for the sake of locking rates and give loan estimate but it seems they were only mining for SSNs Given that E Mortgage Capital already has a documented history of regulatory actions in Washington State, I believe this is part of a broader pattern of misconduct. Consumers deserve clarity, respect, and compliance with RESPA/TILA regulations not hostility for simply asking for a breakdown of loan terms.

Requested Resolution : Investigate the conduct of the loan officer involved.

Confirm whether E Mortgage Capital , Inc. is complying with federal and state disclosure requirements.

Require corrective action to ensure this type of abusive treatment of clients does not continue.

Loan Officer / Entity : Company : E Mortgage Capital , Inc .

NMLS ID : XXXX Location : XXXXXXXX XXXX  ( licensed in WA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I attempted to pay with my cash app card in the amount of {$130.00} plus a {$2.00} so {$140.00}. convenience fee for my XXXX XXXX bill on the XXXX XXXX app. It said there was an error, so I proceeded to enter my cash app " checking account '' information and it accepted that payment for {$130.00}. When I checked my cash app account it was showing that both of these payments had been deducted. I only received a receipt from XXXX XXXX for the {$130.00}. I contacted the customer service for XXXX several times and they told me it did not go through on their end for the payment. I sent proof for them that it was deducted from my cash app account. They told me to contact my bank ( cash app for this ) and tell them that I dispute the charges. Cash app denied my claim stating that it was a valid transaction and that they would not give me my money back. XXXX is saying they did not receive my payment. So I am out the {$130.00} because either one of these companies are working with me to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dispute Letter to Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern, I am writing to formally dispute inaccurate, inconsistent, and/or incomplete information on my Experian credit file. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate information and to conduct a reasonable reinvestigation of disputed items. 
The following accounts contain errors or inconsistencies compared to other bureaus : XXXX. * * XXXX XXXX XXXX * * Experian reports this account as 30 days late with {$26.00} past due in XX/XX/XXXX. Equifax shows it as current with no late payments. This is inconsistent reporting. 
XXXX. * * XXXX XXXX XXXX * * This tradeline does not appear on Experian, yet XXXX reports it as a repossession and TransUnion as a voluntary surrender. The absence of reporting creates inconsistency across bureaus. 
XXXX. * * XXXX XXXX XXXX * * Reported on XXXX  as a charge-off with a balance of {$13000.00}. Not reported on Experian or TransUnion. Either XXXX is misreporting or Experian is omitting material data. 
XXXX. * * XXXX XXXXXXXX XXXX * * Experian shows charge-off with {$1700.00} balance and closure in XXXX, but XXXX and XXXX show derogatory activity into XXXX. This discrepancy requires correction. 
XXXX. * * XXXX XXXX * * Experian shows this account closed in XXXX with {$3.00} balance. XXXX shows derogatory activity into XXXX, while TransUnion shows charge-off closed XX/XX/XXXX. These differences are misleading. 
XXXX. * * Collections ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) * * Experian lists two NCA collections. 
TransUnion lists these plus an additional XXXX XXXX collection. Equifax lists only one NCA. These discrepancies suggest duplication and inaccurate reporting.

These inconsistencies are damaging my creditworthiness and violate FCRA 607 ( b ). I request that Experian conduct a full reinvestigation and either ( 1 ) provide documented proof verifying the accuracy of these accounts from the original creditors/collectors, or ( 2 ) delete the inaccurate or unverifiable items immediately. 
If verified, please provide the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). If you can not provide such documentation, the accounts must be deleted. 
Please complete your reinvestigation and provide me with a written response within 30 days, as required by law. 
Sincerely, 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 2025-09-06 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: TX

Complaint narrative:
I am a victim of identity theft. I have been XXXX XXXX XXXX I have no knowledge of these accounts listed on my reports.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a text notifying me of a fraudulent charge and asked me to confirm if it was me. I said no the. Immediately received a phone call from what I thought was XXXX XXXX. Caller ID said XXXX XXXX. I was informed by the person that my account was compromised. This person proceeded to impersonate a XXXX XXXX representative and it was clear he had access to my account since he was reading recent transactions I had approved and had also sent me an email that looked like an official XXXX XXXX email. He said I needed to move my funds into my XXXX XXXX  and out of the compromised account and he even added a new XXXX XXXX debit card to my phone. He then instructed me to move the money to the new account. This was in the amount of XXXX. The following week I reached out to XXXX XXXX to check on the status of my new debit card and they knew nothing of it. I then realized Id been scammed and proceeded to try to get XXXX XXXX to help get my money back. I made a claim and it was unfortunately denied. I reach out directly to XXXX who informed me it was out of their hands since the transaction had been processed even though I had record of where the money went. They instructed me to contact Chase bank where the money was sent to. I went to a chase branch and they also refused to help. I understand that I was victim of a scam but XXXX seems like it would be easy for the banks to replace especially when there is clear record of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally demand the correction of inaccurate personal identification information on my credit file. This is a formal request for a manual review of my file to ensure this critical error is resolved and does not get processed through an automated system without human intervention. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I demand that you investigate and correct the following error : PLEASE SEE ATTACHED!!!

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
Received a credit card from a company called Chime via mail to my permanent address, a card that I did not apply for. Upon receipt of card when forwarded to my shipping/mailing address, I called fraud department at company to report fraud and request immediate cancellation of the card and any associated account. They requested my full name, credit card number on the unauthorized card, email address, and photos of the front and back of my ID. I was not comfortable providing my email and photos of my state issued ID, so I only provided full name and credit card number of the card I Received. They opened a claim and provided a claim report number, however no further information on what they would investigate, how long it would take, or when/how they would contact me with updates on the status of the investigation and account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was approved for this XXXX XXXX credit card on XX/XX/XXXX. My account was has been closed by creditor since XX/XX/XXXX but I still pay the minimum balance every month. I noticed an error on my credit report in XX/XX/XXXX and I have mailed a coupon tender of payment and sent letters demanding documentation of proof to resolve this matter while currently continuing to make monthly payments. I receive multiple letters of no compliance as response to all of my demands violating my rights.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was approved for this XXXX XXXX credit card on XX/XX/XXXX. My account was has been closed by creditor since XX/XX/XXXX but I still pay the minimum balance every month. I noticed an error on my credit report in XX/XX/XXXX and I have mailed a coupon tender of payment and sent letters demanding documentation of proof to resolve this matter while currently continuing to make monthly payments. I receive multiple letters of no compliance as response to all of my demands violating my rights.

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Denied Dispute - Unauthorized Transaction on Cash App Card To Whom It May Concern, I am submitting this complaint against Cash App ( Square , Inc. ) regarding their handling of a dispute I filed for an unauthorized transaction.

- Transaction in question : {$27.00} at XXXX - Date of dispute : XX/XX/year> - Case outcome : Cash App denied my dispute, claiming the transaction was authorized. 
- Cash App case # : XXXX - Key issue : My Cash App Card had been declared stolen and deactivated by Cash App. I did not authorize this transaction, nor did I give anyone permission to use my credentials. 
Cash App has already refunded me {$2000.00} and {$150.00} for other unauthorized transactions made on the same stolen card. However, they denied my dispute for the {$27.00} charge, which is inconsistent and unfair, given that all these transactions occurred under the same circumstances. 
Despite reporting the card as stolen and Cash App confirming that a replacement was issued, they have refused to reimburse me for this fraudulent charge. Their denial letter states the charge was authorized, but this contradicts the fact that the card was reported stolen and deactivated.

I am requesting the CFPB 's assistance in : 1. Requiring Cash App to provide the documentation they used to deny my dispute.

2. Requiring Cash App to conduct a fair review of this case and reimburse me for the unauthorized transaction.

3. Ensuring that Cash App improves its dispute resolution process for stolen card cases.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On or about XX/XX/2024 money was fraudulent taking out of my 2 checking accounts and my savings account using various methods, bank teller, ATM, and store purchase in the amount of over {$8000.00}. The bank only reimbursed approx. {$6000.00}. The banks reason for not reimbursing for the remaining balance was that someone used our pin. We do not know how the pin was used because we actually had the debit card on our person. The activity on the account we usual activity and the bank concluded their was clear fraudulent activity but refused to reimburse the total amount taken from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello I am a Wells Fargo customer I live pay check to paycheck my husband is a victim of a scam via text message bottom line we have Wells Fargo case opened my husband went to the branch here in XXXX XXXXXXXX XXXX spoke with XXXX on XXXX to get update and to confirm nothing else will was compromised from his digital wallet. XXXX that helped him told my husband he did this and it his fault and he have to pay back a flex loan and they cleaned out what little bit of money we had. I went to branch this morning XXXX spoke with XXXX explained told them it was so dis respectful for him to blame my husband. We have to wait to Monday for me to call calms, I looking for a status nobody will provide me either info, I will call them Monday again just want my account note how inappropriate for XXXX to blame or speak to him and make him feel so bad. Damage is done Thank you 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 2025-09-06 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: CA

Complaint narrative:
XXXX'I made payments from my XXXX XXXX Checking account on XXXX for transfers to my credit card in error. Both transfers were made on XXXX  of XXXX XXXX from my XXXX  Checking account.  I have contacted XXXX XXXX and told to contact Bank of America on getting my money back.  I have contacted Bank of America XXXX and told that my prior credit card account ending in XXXX had been transfered to archive and no longer available to view. Bank of America mentioned that my payments would eventually be returned to my checking account but would take XXXX days.  No kind of document was made available to me. Bank of America no longer does business with XXXX XXXX  and XXXX XXXX has transfered to do business with XXXX XXXX BankXXXX XXXX  Account with B of A ending in XXXX XXXXXXXX XXXX  Account with XXXX Bank 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 2025-09-06 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: TN

Complaint narrative:
There was a data breach and now my credit is at XXXX something and I have collections on my report and my student loans say not paid off!

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My son sent me referral link to apply for Capital One Credit Savor card. After application bank decided to verify me thinking I am a fraud. I sent them all required documents : front and back of my driver license, my credit union statement and gas bill with added my wife 's and my name on it. They issued and mailed me the card but account is restricted. I was able to create an online account and connect my bank account for autopay. But they decided to check me again. Bank successfully was able to verify my ID but does not accept statement and gas bill as proof of address. They tried to verify my bank account but bank would like to me be on the line at the verification. I am working and tried to set up a day when I am available to make that call. But bank denied, saying they will call whenever they would like to. Instead of calling me to the number they have on file, bank keeps calling my son saying every time. My several requests to stop bothering him and call me instead, bank still calling him every single time they want to talk to me. Capital One is giving me hard time since the application was done, I believe on XXXX. Horrible customer service. they makes me feel like I am a criminal and discriminated. Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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