vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> wells fargo emails me of SSI deposit being available on XX/XX/year>, my current balance is {$4.00} plus SSI deposit. Then XXXX XXXX I receive email statement period is closed & suddenly I'm at a negative - {$5.00} after being charged the monthly fee. I was never in the negative until they charged the monthly which it has been explained & they know My or anyone 's SSI is sometimes sent at XXXX  of the month instead of XXXX of month. 
monthly deposits of {$500.00} are suppose to waive the XXXX XXXX  monthly fee. I brought this up to to management at Wells Fargo branch during the summer when I realized the multiple charges. I was refunded the monthly fees at that time & told this would be looked into. Now I see once again they deceptively charged monthly fee for XXXX because that deposit was done on XXXX now in XXXX they close the statement period to end on XX/XX/XXXX the XXXX XXXX for XXXX came in XX/XX/XXXX now it's another monthly charge it's crazy they set it up to rip anyone with early pay deposits off by charging monthly fees. Customers have no control when the social security administration deposits those amounts into bank accounts. If it's happening to me it's happening to millions of other people. I was told in the summer that if it happened again just to go back to the branch and I would be refund or reversed for those monthly fees but this shouldn't continue happening is the point.

very deceiving, I've emailed Wells Fargo about this. It's an unfair practice. The other thing is they show deposit as immediately available but they don't disclose the money is actually available a few days later & what you can use without being overdrawn is what you had before the deposit. Now thats another fee. Such a scheme.

At closing I was not at a negative. 
Yet they tacked on that monthly fee on XX/XX/XXXX making my account at a negative. It's really unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Ive been doing business with a friend of mine, and shes been paying me through Apple Cash. However, about three to four weeks ago, she had ended an intimate relationship with an individual named XXXX XXXX, who goes by XXXX. XXXX explained to me that XXXX introduced her to a great cryptocurrency guy named XXXX XXXX XXXX. His family is based out of XXXX XXXX, New Jersey, and he goes by XXXX. With the help of XXXX, XXXX was able to XXXX  almost {$250000.00} from her checking account. I assume that if it had been converted to XXXX for tax reasons, the amount would have been even higher. His primary financial accounts were Cash App, XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX 

After reviewing my statements, it appears that XXXX was using her phone while she was asleep. I assume this because the transactions were made at XXXX XXXX a time when she knows shes not awake. She has a XXXX  XXXX. 

I checked my Cash App statements and found that, according to XXXX instructions, XXXX funneled {$10000.00} alone through my account in XXXX, {$7000.00} in XXXX, {$7000.00} in XXXX, and {$6000.00} in XXXX. XXXX is working with a county detective, but theres a conflict of interest. The detective knows XXXX criminal defense lawyer. XXXX is now out on possibly six criminal charges in XXXX XXXX, Florida. However, he was already on probation ( ROR ) even before he got these new charges while he was out on bond for assault. 

What was also discovered through XXXX XXXX court records is that XXXX XXXX XXXX is an informant. Hes using his informant status to leverage his position and play the police. Hes selling XXXX, XXXX, and XXXX. Hes a XXXX  XXXX  with a lot of stolen money.His Cashapp Handle was $ XXXX and email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I discovered that Columbia Debt Recovery placed a negative account on my credit report without ever approaching me first. I had no conversation with this company and I did not enter into any written agreement that would allow them to handle, share, or use any of my personal or financial information. I reviewed my records and there is absolutely nothing that shows I signed any binding contract with Columbia. They appeared on my credit report with a large balance as if I agreed to work with them when I never received a single notice, call, or statement from this company before the reporting took place.

This creates serious accuracy concerns under 15 U S C 1681e b because my file is now showing an account from a company that can not show a legitimate contractual relationship. There was no chance for me to verify anything before they reported it which goes against the intent of 15 U S C 1681i because I was never given the ability to challenge the information before it damaged my credit. I also question whether they had a valid permissible purpose under the FCRA to even access or furnish information on my behalf since no signed agreement or authorization exists. Under 15 U S C 1692g a company collecting a debt is expected to provide clear validation and communication which never happened. 

This account has lowered my credit standing and has affected my ability to secure reliable housing and financing even though I never entered into a relationship with Columbia. I am asking for immediate intervention because the information they placed is unsupported and was never discussed with me at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
In reviewing my XXXXXXXX XXXX, Equifax credit report, I found that a XXXX  XXXX XXXX tradeline is being reported inaccurately. The reported balance of {$4300.00} is incorrect, and several required fields are missing, including the Date of First Delinquency, charge-off information, current account status, and the dispute notation. These omissions result in an incomplete and misleading tradeline. 

I disputed these inaccuracies with XXXX  beginning in XXXX and again in XXXX. Despite my disputes, XXXX  did not correct the information and continued to publish the same inaccurate data. I also notified XXXX  XXXX XXXX as the furnisher, but the information was not updated. 

XXXX  closed my disputes without providing a meaningful or reasonable reinvestigation, and the inaccurate tradeline continues to appear on my report. This has negatively affected my credit score, caused financial harm, and resulted in emotional distress. 

Because the account is still being reported incorrectly, I issued a formal Notice of Dispute and Intent to Arbitrate to XXXX  on XX/XX/XXXX. I am requesting that the inaccurate tradeline be deleted or corrected to reflect accurate, complete information, including a {$0.00} balance and all required reporting fields.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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:
In reviewing my TransUnion, XXXX XXXX  credit report, I found that a XXXX  XXXX XXXX tradeline is being reported inaccurately. The reported balance of {$4300.00} is incorrect, and several required fields are missing, including the Date of First Delinquency, charge-off information, current account status, and the dispute notation. These omissions result in an incomplete and misleading tradeline. 

I disputed these inaccuracies with TransUnion beginning in XXXX and again in XXXX. Despite my disputes, TransUnion did not correct the information and continued to publish the same inaccurate data. I also notified XXXX  XXXX XXXX as the furnisher, but the information was not updated. 

TransUnion closed my disputes without providing a meaningful or reasonable reinvestigation, and the inaccurate tradeline continues to appear on my report. This has negatively affected my credit score, caused financial harm, and resulted in emotional distress. 

Because the account is still being reported incorrectly, I issued a formal Notice of Dispute and Intent to Arbitrate to TransUnion on XX/XX/XXXX. I am requesting that the inaccurate tradeline be deleted or corrected to reflect accurate, complete information, including a {$0.00} balance and all required reporting fields.

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 2025-11-30 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: Chime Financial Inc
State: CA

Complaint narrative:
An unauthorized transaction withdrawal occurred on my Chime checking account on XX/XX/2025 in the amount of {$2500.00}, from a merchant, XXXX XXXX XXXX My Chime account and XXXX  account were both remotely accessed without my knowledge from XXXX , WA , while I was located in XXXX XXXX XXXX CA XXXX where I reside, and the transaction was made using a virtual debit card on file. My phone was also compromised by XXXX  when it was stolen then recovered. I disputed the transaction on XX/XX/2025, and was denied XX/XX/2025. I then submitted a rebuttal to Chime on XX/XX/2025, with supporting evidence of my accounts being accessed remotely and in an unauthorized manner, and was denied XX/XX/2025. Chime did not take the proper thorough approach to investigate my claim with the merchant, nor disproved the evidence I submitted that supports my claim. Please review the evidence, contact Chime, and resolve the dispute in my favor, per the robust evidence I have provided, that prove my claim upon which Chime can not disprove as fact. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correspondence/Dispute Department RE : FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENTS Account : XXXX | Balance : {$1100.00} | Opened : XX/XX/XXXX To Whom It May Concern, I am filing a formal dispute and demand for immediate reinvestigation and deletion/correction of the derogatory late payment reporting associated with the above-referenced XXXX XXXX credit card account. You are currently reporting two late payments ( 30-day and 60-day ) which are inaccurate, unverifiable, and legally disputable under federal law.

I am invoking my rights under the following statutes which you are bound to comply with : Federal Law Codes Being Asserted 15 USC 1666b Timely posting of payments & crediting obligations 15 USC 1681A Legal definition of consumer report & reporting accuracy standards 15 USC 6802 Prohibits unauthorized use/dissemination of personal financial data 15 USC 1681i Right to dispute & demand reinvestigation of inaccurate information 15 USC 1681s-2 ( a ) Furnisher duty to report only accurate and verified information 15 USC 1681i ( a ) ( 6 ) Mandatory written results of reinvestigation within 30 days The payment history you are reporting reflects : Late Mark Month Status 30-Day Late XX/XX/XXXX 60-Day Late XX/XX/XXXX This information is inaccurate, incomplete, and violates federal accuracy requirements. If you can not provide original timestamped payment records verifying these delinquencies in full detailincluding processing date, posting time, acceptance timestamp, and transmission logsthen the reporting of these late payments is unlawful. 

You are hereby ordered to take XXXX of the following actions within 30 days : Conduct a full reinvestigation under 15 USC 1681i.

Remove both late payments if verification can not be proven in full.

Provide written reinvestigation results as mandated by 15 USC 1681i ( a ) ( 6 ).

Correct or delete inaccurate data or be held liable under 15 USC 1681s-2 ( a ).

If payment posting or processing delays contributed to misreporting, you are in violation of 15 USC 1666b and must correct your reporting immediately.

Any unauthorized sharing of my financial profile falls under violation of 15 USC 6802and I will pursue remedy for unlawful data handling.

Failure to comply is a direct violation of federal statute. If this account is not corrected or the late payments are not removed, I will escalate by filing formal complaints with : CFPB FTC ATTORNEY GENERAL and initiate civil action for statutory damages. 

You have 30 days to respond. 
If you can not prove accuracythe law is clearYOU MUST DELETE.

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 2025-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
CompanyColumbia Debt Recovery LLC d/b/a Genesis Credit Management IssueAttempting to collect an invalid debt My apartment complex replaced the entire carpet in my unit without notifying me, without giving me a move-out inspection, and without my authorization. The actual issue on the carpet was only a small, cleanable stain, not damage requiring full replacement.

Despite the lack of documentation, photos, inspection notes, or proof that the replacement was necessary, the apartment billed me almost {$1000.00}. When I disputed the charge, they sent the alleged balance to Columbia Debt Recovery LLC ( Genesis ), who added additional fees and began collections.

I requested debt validation under the FDCPA, but Genesis did not provide any evidence, photos, inspection reports, or signed authorization showing that I approved or caused any damage.

This charge is invalid, excessive, unverified, and not legally collectible. I am requesting that : 1. Genesis cease all collection activity immediately 2. Genesis close and remove the account 3. Any negative credit reporting related to this account be withdrawn 4. The apartment remove the invalid charge from my ledger 5. Written confirmation be provided to me The apartment failed to follow proper procedures, failed to notify me, and performed an unauthorized replacement. The collection attempt is improper and I need CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Denali Capital Holdings, LLC
State: ID

Complaint narrative:
This debt collector ( DENALI CAPITAL , LLC ) and their cronies have been calling my union hall, employer, my mother, my brothers, and my in-laws. I dont even recognize this debt and its not on my credit report. They use different numbers and many of the numbers are not actual phone numbers for example, ( 000-000-0000 ). This debt collector and/or the people they hire are constantly harassing my family, and my employers/union. This is causing me embarrassment and distress with my employer/union and tarnishing my reputation. This debt collector and the people they hire are knowingly carrying out clandestine attacks over the phone and I find it, absolutely egregious .. not to mention the legality. I do not have the patience or time and, honestly, the funds to deal with this situation. This debt collector must be held accountable for their transgressions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: V and H Portfolio
State: SC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: MD

Complaint narrative:
My Identity was compromise and per the FCRA law it requires you to first block and remove these accounts from my credit reports within four 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 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PatientFi, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is partnered with Patient Fi in that all treatments are " paid '' up front with a loan. XXXX XXXX XXXX was disingenuous about the results and timeline that would take place. I stopped doing the treatments, so I stopped paying Patient Fi. I called both companies and neither refused to take accountability for what happened. I did not purchase anything or " use '' any of the treatments and have no plans to. So why do I still have a " loan '' for something I will never use? This is predatory and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
To : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Unauthorized Credit Inquiry ( Permissible Purpose Violation ) CC : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am formally disputing a fraudulent and unauthorized credit inquiry currently reporting on my Equifax credit file. I did not apply for credit with this company nor did I provide any verbal, written, electronic, or implied authorization for access to my consumer report.

Unauthorized Inquiry to Be Deleted Immediately XXXX XXXX XXXX Inquiry Date : XX/XX/year> This inquiry was obtained without a permissible purpose, in direct violation of federal law. 
PERMISSIBLE PURPOSE LAW ( FCRA 604 ) Under FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), a consumer report can only be furnished when the user has a legitimate, consumer-initiated permissible purpose. 
I did not initiate any transaction with XXXX XXXX XXXX ; therefore, this inquiry is unlawful. 
FCRA VIOLATIONS FCRA 604 ( a ) : No permissible purpose existed.

FCRA 607 ( a ) : Equifax must prevent unauthorized access ; failure to do so violates its duty to maintain reasonable procedures.

FCRA 611 ( a ) : Once disputed, Equifax must reinvestigate and delete any unverifiable or unauthorized information within 30 days.

FCRA 616617 : Equifax is liable for willful or negligent noncompliance. 
FACTA IDENTITY-THEFT PROTECTIONS The Fair and Accurate Credit Transactions Act ( FACTA ) requires Equifax to block information connected to identity-theft activity or unauthorized access. This inquiry qualifies for immediate removal. 
DEMAND FOR IMMEDIATE ACTION I am demanding the following : Immediate deletion and permanent blocking of the unauthorized XXXX XXXX XXXX inquiry. 
Written confirmation of removal. 
Copies of any alleged permissible purpose documentation provided by XXXX XXXX XXXX, as required by FCRA 609 ( a ) ( 1 ).

Placement of a fraud alert to prevent future unauthorized access.

Failure to comply will result in immediate escalation to the CFPB, FTC, and my State Attorney General for enforcement and remedies under FCRA 616617. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My PayPal account associated with email address XXXX and my business XXXX was permanently deactivated without any specific explanation. 
I am a XXXX  XXXX who sells original artwork, prints, and an art book featuring stylized, non-XXXXXXXX XXXX XXXX This falls under PayPals permitted category of artistic or educational XXXX. I do not sell adult content, explicit materials, or restricted services. 
PayPal sent a generic message stating only that there was activity we can not process, without referencing any specific Acceptable Use Policy section or regulation. They have not identified any transaction, behavior, or product that violates their policies.

I contacted PayPal for clarity and requested executive review, but I have not received a meaningful explanation. This sudden permanent closure has disrupted my ability to conduct current and future e-commerce sales as an XXXX. 
I am requesting : A specific explanation of what policy or rule PayPal believes was violated A review of my account by a human reviewer Reinstatement of my account, as my activity is compliant with PayPals stated policies If reinstatement is not possible, a clear written justification referencing the exact policy and evidence relied upon I am not seeking damages I am simply asking for transparency and reinstatement so I can continue my lawful business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Tri-Cities Finance Company
State: VA

Complaint narrative:
My husband and I purchased a XXXX XXXX in XX/XX/year>. It was repoed in XX/XX/year>, due to default and insurance. Wasn't told that the only payment method I had I couldn't use it. This was before default.I never received my payment book nor tags. My husband 's driver 's license is in that car. I would like to have my car back and to make payments for the loan. I don't know what happened about the insurance why it cancelled. I have no problem with getting that done. I do however feel like we were stuck without a option to do anything and want the personal items returned along with the car. We were done wrong by Tri Cities Finance in XXXX TN.

Company response to consumer: Closed with explanation