vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year> I received a text message mimicking Chime or XXXX XXXX. It said CHIME ALERT : Did you attempt to use your Chime Debit Card for XXXX at " XXXX '' on XX/XX/XXXX Sat, In XXXX, Tx? Reply Y for YES or N for NO I replied no. Which then it said Thank you for your response. 
A temporary block has been placed on your account. A Chime specialist will contact you shortly. Someone called me and stated they were from chime fraud and they were going to help me set up a new account. This person asked me to send my funds to a new account that was made for me. They had all my information. My address, phone number, last 4 of my debit card, how much was in my account, what was available in my my pay and what was available in my XXXX XXXX account. They said they would send me an email with my information. When I asked them to stay on the line with me till I got this information they hung up on me. Thats when I realized that the situation was a scam. I reached out to chime immediately to report this. This claimed that they cant do disputes on the pay anyone process because it is like cash payments, but according to their policy there is one reason they can file a dispute and they claimed my situation was that reason. I explained to them that they had all my information. They spoke to me the exact same way the representative through chime spoke to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am enrolled in the federal Income-Based Repayment ( IBR ) plan and am pursuing Public Service Loan Forgiveness ( PSLF ). My loan servicer, MOHELA, has billed me an incorrect monthly payment and has failed to provide a written explanation or documentation supporting the calculation. 

I timely submitted my IBR recertification on XX/XX/, prior to the federal deadline referenced on StudentAid.gov. Department of Education guidance states that borrowers who submitted on time but whose servicer did not complete processing should remain on an income-based payment. Despite this, MOHELA billed me {$3500.00} per month, even though my lawful IBR payment based on my verified income and household size is approximately {$2200.00} per month. This billing is inconsistent with the Income-Based Repayment requirements set forth in 34 CFR 685.221. 

I requested a written calculation and documentation supporting the billed amount. MOHELA did not provide any calculation, formula, or records relied upon, and instead instructed me to reapply for IDR without addressing the underlying compliance issue. To mitigate harm, I submitted a new IDR application in good faith ; this should not be construed as borrower fault or a waiver of my rights.

This servicing failure may cause financial harm at this amount and risks negatively impacting my PSLF qualifying payments, which must be made under the correct repayment plan and amount. I am requesting CFPB review to require MOHELA to correct the IBR calculation, provide written documentation of the calculation used, apply any necessary retroactive adjustment or credit, and confirm that my PSLF qualifying payment count has not been adversely affected.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: AL

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, CHALLENGED OR NOT.

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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally demand permanent deletion of the above-referenced account due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) and improper Metro 2 reporting.

This account has been previously disputed, yet materially inaccurate and contradictory information continues to be reported, resulting in ongoing consumer harm. 



GROUNDS FOR IMMEDIATE DELETION 1. Conflicting & Contradictory Reporting XXXX is reporting multiple versions of the same tradeline with irreconcilable differences, including but not limited to : One tradeline reflects no payment history and XXXX late payments Another tradeline reports 130, 160, 390 delinquencies Conflicting Months Reviewed and delinquency data This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires information furnished to consumer reporting agencies to be complete and accurate.

2. Illegal Monthly Charge-Off Reporting ( Re-Aging ) XXXX  is reporting the account as Charge-Off every single month through XXXX. 

A charge-off is a one-time accounting event, not a recurring monthly status. 
This constitutes illegal re-aging, prohibited under : FCRA 623 CFPB guidance Metro 2 reporting standards 3. Unverifiable Payment History TransUnions reporting explicitly states No payment history available, while simultaneously claiming repeated delinquencies. 

If payment history can not be produced, delinquencies can not legally be reported. 
This violates : FCRA 1681e ( b ) failure to maintain reasonable procedures FCRA 611 ( a ) failure to properly reinvestigate previously disputed information 4. Improper Balance & Utilization Reporting Despite the account being charged off, XXXX  and TransUnion continue to report : A revolving balance A credit limit Utilization exceeding 100 % Once an account is charged off, revolving utilization metrics must not continue updating, as this misrepresents account status and causes ongoing score suppression. 



5. Failure to Correct After Prior Dispute The account includes remarks indicating a prior dispute was resolved, yet material inaccuracies persist. 

This demonstrates a failure to conduct a reasonable investigation, as required under FCRA 623 ( b ).

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 2025-12-29 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: AL

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, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
personal account XXXX business account XXXX i would like this account remove off my early warning account because i did not send any bad checks to this account i have a police report include in this file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I have a car loan through Ally bank. i bought. it in XXXX i have a contract of XXXX payments. i did get a few month extension during covid, but i have met and payed all of the payments. i have the date and amount of each one. i have offered to provide bank statements for the month they dont have. i keep getting the same answer. i still owe XXXX payments and owe {$830.00}. i dont even know where they come up with the extra {$830.00}. they said i owe XXXX payments. the first of XXXX. i paid a payment on XX/XX/XXXX. and today XXXX XXXX it still says i owe XXXX payments. and the XXXX i have tried to talk to multiple people. i have been hung up on. i keep getting told a supervisor will call me back at certain times and i wait by the phone and get nothing. I have made all XXXX payments. it says my next payment was due XXXX XXXX i dont know what to do. i have a copy of the contract. i have a document i made of every payment date and amount. they wont give me any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt that your company, Spring Oaks Capital LLC, claims I owe. 
Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide documentation that verifies the following : 1. The total amount of the alleged debt, including an itemized breakdown 2. The name of the original creditor 3. Proof that I am legally obligated to pay this debt 4. Copies of any contracts or agreements bearing my signature 5. Proof that Spring Oaks Capital LLC is authorized to collect this debt Until such validation is provided, I dispute the validity of this debt and request that all collection activity cease. This request is not an acknowledgment or admission of responsibility for the alleged debt. 

Please provide all future correspondence regarding this matter in writing only. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint concerns XXXX XXXX failure to properly investigate and resolve disputed charges totaling {$21000.00} linked to XXXX XXXX XXXX XXXX XXXX XXXX and affiliated merchant names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These merchants appear to be operating under undisclosed or fictitious identities and may be misclassifying online casino/sweepstakes transactions to bypass merchant category controls. I am not disputing that I initiated payments ; I am disputing the legitimacy of the merchant identity and the banks handling of the dispute process. 
On XX/XX/XXXX and XX/XX/year>, Wells Fargo issued {$2700.00} in provisional credits for duplicate charges from XXXX XXXX XXXX, indicating the bank had already identified irregularities. XXXX XXXXXXXX XXXX XXXX also independently issued provisional credits for the same merchant activity, confirming a pattern of concern. Despite these indicators, Wells Fargo denied subsequent disputes, refused to reopen the claims, and closed my account the same day, preventing corrective review. This conduct represents a procedural failure and potential violation of dispute handling requirements under Regulation E. 
This is my second formal notice ; the first was sent to Wells Fargo on XX/XX/year>, with no response received. These merchants are reportedly shutting down operations on XX/XX/year>, creating an urgent risk that recovery through chargebacks will no longer be possible. XXXX XXXX failure to act promptly may leave me unable to recover funds and suggests mishandling of my claims.

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 2025-12-29 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: TX

Complaint narrative:
I was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a bill for items bought at Home Depot that I did not purchase. I called the number on the bill and they said that they would investigate. I had not ever had a bill before that I can remember. I told them to cancel the account and they did. However, I received a notice that I still had to repay the bill and Citi Bank also sent me a collection notice. The items fraudulently purchased totaled over XXXX dollars and now they are sending me bills with late fees as well. Please help!

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 2025-12-29 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: AL

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, CHALLENGED OR NOT.

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 2025-12-29 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-29 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: AL

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, CHALLENGED OR NOT.

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 2025-12-29 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: AL

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
So I did not know I had overdraft protection and remind you there was no money in my bank account. It was XXXX  so one. 
XXXX a company called XXXX  took out {$16.00} and {$78.00} on XXXX the bank allow them to take out {$25.00} and {$42.00} Remind you, I have XXXX  in my bank account now the bank is charging me {$35.00} {$35.00} {$35.00} XXXX  for each one but anyone else that tried to take money out they denied the payment I called them and I told them how can you let something go through when theres no money so I asked them to remove the overdraft fees and they said they couldnt because you only get two once a year. Its ridiculous. and I even turned my card off and they still let people takeIm a single mom and theyre robbing me blind letting things go through knowing XXXX well I have no money but charging me an overdraft fee so now I owe the bank {$300.00} I asked them to take off the overdraft protection and they still let stuff go through and charge me another XXXX. This is not right. Wells Fargo just robs people blind. And they dont care I even called back because they let another payment go through and the lady said oh it shouldnt of went through because youre over draft protection is off so call back Tuesday and will give you the {$35.00} back yeah OK.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am a confirmed victim of identity theft and bank fraud. An account was fraudulently opened in my name with XXXX XXXX XXXX XXXX without my knowledge, authorization, or consent. I did not apply for membership, sign any documents, authorize transactions, or benefit in any way from this account. 

The fraudulent account involved routing number XXXX and account number ending in XXXX, with unauthorized activity totaling {$19000.00}. I have no knowledge of when or how this account was opened. I believe my personal identifying information was compromised through prior data breaches, and this account is a direct result of that exposure. 

This fraudulent account is now associated with my consumer profile and has caused financial harm, emotional distress, and potential damage to my credit standing. I discovered the fraud in December 2025 and immediately took action by filing an official FTC Identity Theft Report ( Report No. XXXX ), disputing the account with the financial institution, and taking steps to secure my identity. 

Under FCRA 605B and FACTA, once a consumer submits a valid identity theft report, any fraudulent account must be blocked from consumer reporting, and no information related to that account may be furnished or verified. Any continued reporting, verification, or failure to block this account constitutes unlawful conduct. 

Despite my documentation and sworn identity theft report, this fraudulent account has not been properly blocked or resolved. Any verification of this account would be impossible without signed authorization, original account applications, IP logs, device fingerprints, or proof of my consentnone of which exist.

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