vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: Wilco Finance, Inc
State: NC

Complaint narrative:
My vehicle was repossessed without my being provided with the required Notice of Default or Right to Cure, in direct violation of my states consumer protection laws. Following the repossession, I was never given a Notice of Sale or Deficiency Balance Notice, both of which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or to fully understand the amount allegedly owed. Furthermore, the account has been reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

Due to these violations and the failure to follow lawful procedures, I am demanding : A full investigation into this matter ; and The immediate removal of this account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Claim : Chase denied my {$740.00} rental insurance dispute without reviewing evidence or conducting a proper investigation. 

Complaint summary : On XX/XX/year>, I was charged {$1100.00} by XXXX XXXX XXXX. ( XXXX, XXXX XXXX ) for a car rental. I am disputing {$740.00} of that amount the rental car insurance portion that was added without my knowledge or consent. 

At the time of booking through XXXX, I purchased a XXXX XXXX XXXX XXXX plan. When I picked up the car, I showed my XXXX reservation and told the agent I did not need additional insurance. Because I did not have my reading glasses after a long international flight, I relied on the agents verbal confirmation that the agreement matched my XXXX reservation. The slip was shown only in XXXXXXXX XXXX, so I assumed the amount was the same as quoted by XXXX. 

A few hours later, I received a Chase text alert showing the {$1100.00} charge and realized that the agent had added his own companys insurance without telling me. I immediately contacted the merchant but received no response. 

I provided Chase with full documentation including my XXXX receipts and a detailed supplemental statement, yet Chase denied my dispute twice using the same generic form letter stating only that the transactions are valid. Their response contained no reasoning and did not address the new evidence I submitted on XX/XX/year>. 

This does not meet the Fair Credit Billing Act requirement for a reasonable investigation. I request that Chases compliance team re-examine my case and, if necessary, submit it for XXXX arbitration under Reason Codes XXXX ( Services Not Provided as Described ) and XXXX ( Misrepresentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.

Complaint narrative:
Complaint Summary : I have been charged a XXXX XXXX  monthly service fee on my Citibank checking account since XXXX XXXX. 
I have repeatedly tried to contact Citibank for assistance, but the customer service channels do not work. 

The online chat either disconnects, freezes, or loops endlessly saying an agent will be with you shortly. 
When a representative finally connects, they either leave without responding or end the chat abruptly. 
Phone support is also unavailable calls are redirected back to online chat, creating an endless loop with no real help. 

I am requesting : 1 Refund of all past monthly service fees.

2 Immediate stop of future deductions.

3 Written confirmation of account closure if this can not be resolved. 

Citibanks failure to provide any functional communication channel has made it impossible to resolve this matter.

I request CFPB assistance to obtain a written response from Citibanks Executive Response Unit. 

Citibank Checking Account # : 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 monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I discovered unauthorized XXXX XXXX debit transactions totaling {$34000.00} on my Bank of America checking account and reported the fraud immediately on XXXX XXXX XXXX The bank initially denied my claim on XXXX XXXX XXXX after a brief review. I contacted the fraud department again, and the claim was reopened on XXXX XXXX XXXX after I provided new evidence, including an FTC Identity Theft Report, a detailed timeline, and geotagged photos showing I was in Ohio at the time of the fraudulent transactions.

The fraud representative told me the bank had 10 business days to investigate and, if more time was needed, it would issue provisional credit under Regulation E. The case status changed to Researching on XXXX XXXX XXXX, but as of XXXX XXXX XXXX I have received no provisional credit, no written notice of extension, and no resolution which violates the 10-business-day requirement in 12 C.F.R. 1005.11 ( c ) ( 2 ) ( i ).

On XXXX XXXX XXXX, I called the Bank of America fraud department to ask about the delay. The representative said I did not qualify for provisional credit but could not provide a clear explanation why, only stating that the bank had 45 business days to investigate. This contradicts both Regulation E and the information I was given when the case was reopened.

Through my own research, I found that other federally insured financial institutions routinely issue provisional credit within XXXX business days and provide written confirmation while continuing their investigations exactly as required by Regulation E. Bank of America has failed to do either.

I am requesting that the CFPB review this case and require Bank of America to issue the required provisional credit, complete its investigation promptly, and provide a written explanation confirming compliance with Regulation E.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Complaint Summary : I am submitting this complaint regarding Chase Banks improper denial of my Regulation E claim for unauthorized electronic fund transfers that occurred on XX/XX/year>. 

Details of the Incident : On XX/XX/year>, I was selling a living room couch through XXXX XXXX. The buyer asked to pay via Zelle and provided instructions claiming I needed to verify my account by sending him {$500.00} because he had overpaid. He also sent an image of a supposed Zelle badge and Zelle ID number. Immediately after this, I noticed unauthorized activity on my XXXX and XXXX accounts. In total, {$4000.00} was fraudulently withdrawn across Zelle, XXXX, and XXXX. 

I reported these fraudulent transactions to XXXX within one hour of discovery. I confirmed on Sunday XX/XX/XXXX that the had the claims and they noted they could not do anything because the transaction was still pending. On Monday, XX/XX/XXXX less than two business days later I went in person to the XXXX branch to close my compromised accounts and confirm that my fraud claim was being processed. Despite my prompt report and supporting documentation, XXXX denied my claim, citing that no password changes or new device logins were detected. This rationale does not comply with Regulation E ( 12 CFR 1005 ), which requires reimbursement for unauthorized electronic fund transfers regardless of such technical indicators.

Actions Taken : Fraud reported to XXXX within XXXX hour ( XX/XX/year> ). 
Accounts closed in person at the XXXX branch on XX/XX/year>. 
Police report filed with the XXXXXXXX XXXX XXXX on XX/XX/year>. 
{$500.00} Claim denied by XXXX despite timely reporting and clear evidence of fraud. 
Claim currently under escalation with XXXX. 
{$4000.00} claim currently under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
The XXXX at title max in XXXX XXXX called me after I made a partial payment online. I explained to her I was have a little issue this month and needed an extension. She said they don't work with clients on the accounts and that I signed a deal and it was her policy to call me every day until my debt was paid.. So I told her I would pay the rest next week. She calls everyday after I asked her not to call me anymore. She lied and said I threatened to come up there. It's pure harassment, I've never been late until this time in almost a year.. I had to time from my job to answer her calls and ask her why she keeps calling me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I've never had a job, I receive social security my son needed a car to get to work, so I offered to help him get a car, but I didn't think XXXX would get XXXX because I had no other income. I don't earn enough to pay for XXXX  car. XXXX  XXXX XXXX. finance the car, I never talk to them I never was told the price of the car. I did know what type of car it was until they brought it to my sons apartment. I was in surprise to see the car because I couldn't afford a car like it. My son got sick and couldn't make the payment he had to have XXXX, I tryed to help by asking for extensions on the car. The car is a XXXX XXXX XXXX Vin number XXXX The Date of purchase XXXX, the car has been repossessed. Plus I made arrangements to make payments on the balance owed I was trying my best to keep the car because I have no way of getting to my doctors appointments they wanted the car back XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Please consider this a formal request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for full validation and verification of this debt, including all documentation supporting your legal right to collect it.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further communication with me regarding this debt until the requested validation is provided.

Specifically, I am requesting the following : Debt Validation, including : The amount of the alleged debt ; The name and address of the original creditor ; A complete itemized accounting of the alleged debt and how the amount was calculated. 
Proof of Assignment or Legal Ownership, including : A copy of the original contract or agreement bearing my signature ( if applicable ) ; Documentation demonstrating that the alleged debt was legally assigned or sold to your agency ; The complete chain of title for the debt, showing ownership from the original creditor to your agency. 
Proof of Your Legal Authorization, including : Evidence that you are licensed or otherwise authorized to collect debts in the state of [ MI ] ; Any license or registration numbers applicable to your collection activity in my jurisdiction. 
Under 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this debt is properly validated. Under 15 U.S.C. 1692c ( c ), I am further requesting that you cease all communication with me unless and until you provide proper validation of this debt. 
If you can not provide all requested documentation, you must immediately stop all collection efforts and cease any reporting to the credit bureaus. 
Please respond to this request in writing only. I also request that all future communications regarding this matter be made in writing and sent to the mailing address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
Please consider this a formal request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for full validation and verification of this debt, including all documentation supporting your legal right to collect it.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further communication with me regarding this debt until the requested validation is provided.

Specifically, I am requesting the following : Debt Validation, including : The amount of the alleged debt ; The name and address of the original creditor ; A complete itemized accounting of the alleged debt and how the amount was calculated. 
Proof of Assignment or Legal Ownership, including : A copy of the original contract or agreement bearing my signature ( if applicable ) ; Documentation demonstrating that the alleged debt was legally assigned or sold to your agency ; The complete chain of title for the debt, showing ownership from the original creditor to your agency. 
Proof of Your Legal Authorization, including : Evidence that you are licensed or otherwise authorized to collect debts in the state of [ MI ] ; Any license or registration numbers applicable to your collection activity in my jurisdiction. 
Under 15 U.S.C. 1692g ( b ), you are required to cease collection efforts until this debt is properly validated. Under 15 U.S.C. 1692c ( c ), I am further requesting that you cease all communication with me unless and until you provide proper validation of this debt. 
If you can not provide all requested documentation, you must immediately stop all collection efforts and cease any reporting to the credit bureaus. 
Please respond to this request in writing only. I also request that all future communications regarding this matter be made in writing and sent to the mailing address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I went to open a XXXX XXXX account and was not able to due to the fact they said it was two accounts opened in my name. One I was familiar with opened in 2019, the other I wasnt, its tied to an address I dont live at and number I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a text message from Well Fargo on XX/XX/year>, at XXXX. Saying : Wells Fargo : You just got paid! {$880.00} is now in your account XXXX. Wells Fargo charged my account a {$10.00} service fee, because based on their system the deposit did not fall within the month of XXXX and funds were not made available until XX/XX/year>. I contacted Wells Fargo twice spoke with different people at different departments. Last person I spoke with was XXXX in the scalations department he refused to provide his last name. He told me the same thing the others said that based on their computer system they were not allowed to reverse the charge as the system did not allow them. Even with my proof of the deposit made in XXXX. Social Security makes the payments every month on the XXXX with the exception of the month of XXXX. A complaint was filed with Well Fargo case : 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 2025-10-08 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: IN

Complaint narrative:
I have uploaded proof of identity as well as documentation verifying that I am a victim of XXXX XXXX to Transunion, Equifax, and Experian. They have all refused to remove & block this information from my credit report. As a result, I am submitting this complaint urging them to remove this account within 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 explanation