vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a checking account online with Discover and the only was that I was able to fund ny account would be tophysicalky mail them my only copies of my paychecks or personal checks and they informed me that the funds would be accessible withing 3 days after being received. They did offer mobile check deposit but it was only a {$500.00} limit. I had had 2 paychecks, one was for {$5000.00} and the other was for {$4000.00}. Both from the same company owner. I had another personal check from a client of mine that I verified prior to depositing into my account. That check for for {$500.00}. It took the bank a total of 12 days verify that check for {$500.00} but it did clear and funds became available to me. I mailed the other two checks using overnight delivery which cost me an additional {$58.00} to send overnight. Total of all checks were {$9500.00}. I thought everything was good with my account then one day I tried to sign into my account, I couldn't. So I called the bank. I asked them what the issue was and they stated that " tge account was closed ''. When I asked why, they said that they could not give me a reason, all it showed was it was due to a business decision. Okay, that was the one red flag. 2nd red flag was when they told me that my remaining {$9000.00} would be mailed back to me in a form of a check. Its been over the 12 day mark and I have yet to recieve any funds at all. They explained to me that I would receive a letter in the mail explaining y my account was closed. Today I received two letters from Discover saying they closed my account and can not provide me any reasons as to why it was closed. Okay, so where's ny money and why do I feel like they just scammed me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
On the XXXX of XXXX my wallet was stolen and somebody is using or attempting to use my credit cards and other financial cards my social security card was used on the dark web and a account has been opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX XXXX transferred through wire transfer XXXX to the information given below : Transfer Date : XX/XX/year> Time : Transfer Bank : JP Morgan Chase Bank address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Tracking Number : XXXX. 
Account Number : XXXX, Routing Number : XXXX, The transfer done by XXXX Bank of the my following account through : Account name : XXXX XXXX XXXX After XXXX Wire transfer within XXXX minutes I called wire transfer team of XXXX Bank to cancelled the wire transfer. Wire transfer person said that as amount deduct from your account we are unable to cancelled but we are going to recall. On XX/XX/year> they provide me that they recall. And waiting for the fund transferred back from the JP Morgan Chase Bank. 
XXXX XXXX XXXX XXXX XXXX at XXXX provided a tracking number is XXXX UP  to today I have not received amount from JP Morgan Chase bank. XXXX bank replied that if we get the amount from JP Morgan Chase Bank we will send you check. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Please analyze this entry ; being late, it could contain errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting my account inaccurately and unlawfully. They are listing themselves as a charge-off on Equifax and Experian even though they are not the original creditor and never extended me credit. A debt buyer can not legally report a charge-off because they did not originate the account and they do not have the authority to charge off a debt they purchased after default. This is a direct violation of FCRA 1681e ( b ) requiring maximum possible accuracy, and it violates Metro-2 reporting standards, which require debt buyers to report only as a collection or factoring companynot as an original creditor. Jefferson Capital is also reporting XXXX different account numbers across the bureaus ( # XXXX and # XXXX ), which creates conflicting and inconsistent data. On top of that, Jefferson Capital has failed to provide FDCPA-required validation, even though I requested the contract, itemization, proof of ownership, and documentation supporting the dates being reported. They have continued to furnish derogatory information without validating the debt, which violates FDCPA 1692g ( b ), FCRA 1681s-2 ( b ), and Metro-2 accuracy guidelines. This means the entire tradeline is inaccurate, unverified, misleading, and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Auto is reporting and verifying an account using XXXX different consumer identities ( see attached Exhibit A and Exhibit B ). XXXX letter has the correct name/address, while another letter has the wrong name and an address I have never lived at. 



This violates : FCRA 607 ( b ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 5 ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 5 ) FDCPA 807 ( 14 ) Additionally : Wells Fargo is furnishing information ONLY to XXXX  and XXXX  NOT XXXX. 


This is inconsistent and proves the account is unverifiable. 



XXXX  is reporting re-aged payment history : XXXX negative months New delinquency after charge-off Past due balance after charge-off Balance updated XX/XX/year> This is illegal under : FCRA 623 ( a ) ( 2 ) FCRA 623 ( a ) ( 5 ) FCRA 607 ( 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 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NH

Complaint narrative:
Company : Acima Digital / Acima Leasing, XXXX Issue : Unauthorized electronic fund transfers after revocation ; excessive fees ; failure to honor written notice Summary of Complaint Acima Leasing has repeatedly attempted to withdraw funds from my bank account after I revoked authorization in writing on XX/XX/year>, in violation of the Electronic Fund Transfer Act ( EFTA ), Regulation E, and my written lease agreement. Acima confirmed in writing on XX/XX/year> that they received my revocation and that automatic payments were turned off. 

Despite this, Acima attempted unauthorized withdrawals on : XX/XX/year> XX/XX/year> Both attempts occurred after they acknowledged receiving my revocation and confirming that automatic payments were disabled. 

Details of the Unauthorized Debit Attempts On XX/XX/year>, I sent written revocation of all EFT/card payment authorizations to Acima. 

On XX/XX/year>, Acima attempted to withdraw funds anyway. 

On XX/XX/year>, Acimas compliance team emailed me stating they " turned off automatic payments '' upon receipt of my email. 

On XX/XX/year>, Acima attempted to withdraw funds again, even after confirming revocation. 

These actions constitute unauthorized electronic fund transfers under : 15 U.S.C. 1693e ( a ) - ( b ) 12 C.F.R. 1005.10 12 C.F.R. 1005.2 ( m ) Failure to Address Illegal Late Fees Acima has also charged late fees that exceed the contractual limit described in Section 4 of my Rent-to-Own Agreement ( NH lease # XXXX, signed XX/XX/year> ), which caps late fees at {$5.00} per missed renewal. 

Instead, I was charged and/or threatened with late fees up to {$40.00} per week, which violates my lease contract and New Hampshire consumer-protection law. 

Acima has not provided any audit or correction of these improper charges.

Acimas Response Attempts to Evade the Law Acima claimed my revocation was invalid because I used a customer support email address.

However, under the EFTA, any written revocation provided to the payee is valid, regardless of the communication channel. 

A company can not avoid federal law by claiming an email inbox is inactive.

Acimas own email confirms they received the revocation, which makes all subsequent debit attempts unauthorized.

Harm Suffered Multiple unauthorized withdrawal attempts Stress and disruption from repeated illegal payment attempts Time spent disputing charges and protecting my account Potential bank fees and account disruption ( pending bank confirmation ) I am seeking : 1. Immediate cessation of all debit attempts 2. Refund of any fees or charges caused by unauthorized debits 3. Correction of all late fees exceeding the contractual {$5.00} limit 4. A full account audit of all lease accounts 5. Any additional relief the CFPB deems appropriate, including statutory remedies under the EFTA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for repeatedly failing to remove fraudulent accounts, false personal information, and an unauthorized inquiry even after receiving my dispute letters and my FTC Identity Theft report.

Experian continues to report : Incorrect names and aliases ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX ) Incorrect past addresses unrelated to me ( various XXXX XXXX XXXX  addresses ) Fraudulent identity-theft accounts ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) An unauthorized inquiry by XXXX ( XX/XX/year> ) These are fully documented in my dispute letter. 

My FTC Identity Theft Report confirms that several accounts and entries Experian is reporting are fraudulent. Experian has not deleted these items or demonstrated verification.

Experian is in violation of FCRA 605B, 611, and 604 ( a ) ( 3 ), which requires a permissible purpose for any inquiry.

Experians failure to remove fraudulent information has resulted in continued financial harm, reduced credit opportunities, and unnecessary stress. Their inaction despite receiving all necessary identity theft documentation is unlawful.

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 2025-11-15 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: TX

Complaint narrative:
I am requesting an immediate corporate-level investigation into multiple fraudulent charges that were taken from my Chime account despite my card being locked at the time of each transaction. 

Timeline of Events XX/XX/XXXX : My account was charged {$88.00} + {$88.00} + {$89.00} by Zip, totaling {$260.00}.

I contacted Chime and was told to wait until the transactions settled.

Once the charges posted, I called again and was told to file a dispute.

I submitted the dispute and was informed the review could take up to 90 days, with a provisional credit possible after 10 days if unresolved. 
Shortly after : My card was charged an additional {$41.00} + {$39.00} + {$39.00}, totaling {$110.00}.

Key Issues Total fraudulent activity in one day : {$380.00} My card was locked during all of these charges.

I did not authorize these transactions, nor do I have any subscription with Zip. I did not provide my new card information to this merchant.

Despite clear evidence, both disputes were denied within 2 days, which indicates they were not properly or fully investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
On XX/XX/year>, I sent ConServe a formal debt validation request regarding an alleged account they claimed I owed to XXXX XXXX XXXX XXXX. 

On XX/XX/year>, ConServe responded with documents that appeared to come from XXXX XXXX XXXX XXXX, but none of the information provided showed that ConServe owns the debt or has any legal authority to collect it. 

After receiving their response, I contacted XXXX directly. XXXX confirmed on a recorded line that the account was charged off and sold to a XXXX-party debt buyer, and that ConServe is not collecting on their behalf. This means ConServe has no ownership interest in the debt and no agency relationship giving them authority to collect it. 

Because ConServe failed to provide proper validation, I sent a XXXX  written demand for validation on XX/XX/year>, via certified mail. In that letter, I again requested the required documentation, including : A bill of sale or assignment agreement showing transfer of ownership to ConServe ; A full chain of assignment from the original creditor to whoever currently owns the debt ; Written authorization from the current debt owner permitting ConServe to collect ; Proof they are legally authorized to collect in my state. 

As of today, ConServe has still not provided any proof of ownership, assignment, or legal authority to collect this alleged debt, and they continue to represent that they are collecting a valid debt. 

Under the FDCPA, ConServe is required to validate the debt and prove their legal right to collect before continuing collection activity. They have not met these requirements. 

I am requesting that the CFPB require ConServe to : Stop all collection activity and communication ; Remove or prevent any negative credit reporting related to this account ; and Provide written proof of ownership or legal authorization if they believe they have any valid claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an email that i would have my funds available by today XX/XX/year>, from my check i deposited yesterday. I have no funds available still. I called to see what was going on and customer service says i wont have access to my money until XX/XX/year>. I did not receive no hold notification nor am i able to receive my money. Ive got bills to pay. This is not the first time this happens.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
Because I had several withdrawals from my cash out totally over {$500.00} I'm going to some company I've never heard of and it's not online they said they were going to investigate and refund me now they're telling me I have to work and it's already been 14 days and the investigations completed and I'm supposed to get my money back now they're just making me wait for no reason and holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: WY

Complaint narrative:
I SENT LETTERS TO ALL THREE BUREAUS AND THEY LEGALLY DID NOT RESPOND. 
* * * * * * * * * * * * * * * * * * * * * * * * AFTER NOTICING THAT ALL LETTERS WERE IN FACT DELIVERED FROM MY TRACKING #, I WENT AHEAD AND CALLED EACH BUREAU AND SPOKE TO A REPRESENTATIVE TO CONFIRM THAT MY LETTERS WERE RECEIVED, PROCESSED, AND IN FACT COMING FROM ME. 

EACH REPRESENTATIVE CONFIRMED ARRIVAL, GAVE ME A FILE / PROCESS # 'S ( IN WHICH I CAN PROVIDE SUCH FILE AND OR PROCESS NUMBERS IF NEED BE ), AND SPECIFIED THAT THESE ACCOUNTS WERE UP FOR DELETION BUT HAVE NOT REMOVED THEM FROM MY REPORT. 

CAN YOU PLEASE BLOCK AND REMOVE THIS FROM MY REPORT IMMEDIATELY. 
I AM PART OF THE XXXX DUTY AND I HAVE KINDLY BEEN TRYING TO WORK WITH ALL THREE BUREAUS NOW FOR QUITE SOME TIME. I AM LIMITED WITH TIME AS WHOLE, AND I'D GREATLY APPRECIATE IT IF THIS CAN BE BLOCKED AND REMOVED SWIFTLY THANK YOU

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