vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I have a business credit card with Wells Fargo. Whenever I make a payment to my control account, the funds typically become available for use immediately. 

Recently, I made a payment and then attempted to make a purchase online for my business. The funds were shown as available in the Wells Fargo app. However, when I attempted the transaction, I received an invalid amount error. After checking my Wells Fargo account again, the available funds had disappeared and the payment I made was no longer reflected on my account. This issue has occurred twice. 
First incident : On XX/XX/year>, I made a payment, attempted a purchase, got the invalid amount error, and the money vanished from my account. I called the next business day and was told the funds would reappear in a few days. Weeks passed with no resolution. When I called again, they said they didnt know why the funds were missing but would submit a claim. Later, in their dispute portal, the update read : we see your payment has not reflected on your account ; this happens when you make payments to your sub account instead of your control account. 
This response was incorrectI only make payments to my control account, and I do not use a sub account at all. 
Second incident : On XX/XX/year>, the same issue occurred with another online merchant. I received the same invalid amount error, and again, the funds vanished from my available balance but never posted as a transaction or refund. This occurred with a different merchant than the first incident, confirming this is a Wells Fargo system issue, not a merchant issue. 

It has now been well over a full statement cycle, and the missing funds ( over {$3000.00} total ) have still not been restored. Wells Fargos responses have been dismissive, incorrect, and unhelpful. I have been left without access to the funds I deposited, which has directly affected my ability to operate my business.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payactiv, Inc.
State: TX

Complaint narrative:
XXXX XXXX received a legal claim payout into my account. After submitting valid ID multiple times, they falsely flagged it as fake and blocked my access. Ive been told XXXX mins for review, but its been over XXXX hours with no real response. 
They are unlawfully holding non-payroll funds and refusing to escalate my case to XXXX XXXX or compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Around XX/XX/year>, XXXX, a representative from Chase Bank Fraud Department called and stated that they were closing my XXXX accounts because they suspected FRAUD. I was told that the decision was made and they weren't required to give me an explanation. I was told that a check would be refunded to me with the balance on both accounts. I have yet to receive my money on either account and both accounts have been deleted from the app. The inability to access my own money to manage the expenses within my livelihoodhas caused me irreparable hardship. I am seeking legal actions to address the blatant disregardfor my rights. It has been over XXXX weeks since my account has been blocked or closed and CHASE BANK still has possession of all my money.The total amount exceeds {$10000.00}. After having spoken to others, I discovered that some were never refunded their money after their account was suddenly closed. This might be common practice with CHASE BANK SERVICES. I'm hearing more stories about negative experiences with money handling at Chase Bank. I feel that it is imperative that these stories and experiences are told. I am demanding all of my money A.S.A.P..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian and Equifax credit reporting agencies have taken it upon themselves to add improper names addresses and accounts to my credit report.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Experian Dispute Department, XXXX writing to formally dispute late payment ( XXXX ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX EXETER FIN Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ). 
Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hello I am being sued by Navy Federal Credit union for XXXX XXXXXXXX a result of a charge off.I contacted them for a 1099c and was refused one.I would like for the item to be deleted from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
Subject : Request for Reconsideration XXXX  Chargeback Denial To Whom It May Concern, Thank you for reviewing my complaint regarding the unresolved dispute with the merchant XXXX. I respectfully request reconsideration and further investigation based on the following material issues and violations of consumer protection laws : XXXX. XXXX  Classification and XXXX  Law My card issuer stated that the transactions in question were classified by XXXX as gambling-related, and therefore not eligible for dispute protection. However, I reside in XXXX, where such services, if accurately classified, may violate state law. Transactions involving services that are unlawful in a cardholders jurisdiction should not be considered valid or exempt from dispute protections. If XXXX classification is accurate, this raises the question of whether an illegal transaction was processed something neither XXXX nor the issuer should be facilitating. 
XXXX. Deceptive Misrepresentation False XXXX  Affiliation XXXX  claimed to be affiliated with the XXXX XXXX XXXX ( XXXX ) in its Terms of Service. Upon contacting XXXX, I was informed that no such affiliation exists. This constitutes a clear act of misrepresentation and a deceptive practice that violates Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibits unfair or misleading business conduct. This false claim gave consumers a false sense of legal recourse.

3. Protection Under the Fair Credit Billing Act ( FCBA ) Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z, consumers have the right to dispute charges for services not rendered as agreed or that were obtained through misrepresentation. In this case, the merchant is no longer reachable, and the service I paid for is no longer accessible or usable. I submitted my dispute in a timely manner, and these facts meet the criteria for a billing error under federal law.

4. Evidence of Bad Faith Conduct by the Merchant XXXX  engaged in conduct that reflects clear bad faith, including : Falsely claiming a relationship with a legitimate arbitration body ( XXXX  ) ; Failing to deliver the promised service after payment ; Disappearing from public contact without recourse or refund ; Structuring transactions in a way that obscured their true nature and undermined dispute rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Experian Dispute Department, Im writing to formally dispute late payment ( XXXX ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted. 
What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ). 
Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities.

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has/had a credit card promotion for their Capital One Quicksilver Card, where the applicant would receive a {$300.00} cash bonus when opening a new card within the first 30 days, provided the applicant was approved and spent over {$1000.00}. Unbeknownst to myself, I wasn't approved for that card, but a different version of the same card. The rep and the senior rep on the phone said they couldn't find the offer on my account. The senior representative stated that I should have received an email notifying me that I was approved for an alternative version of the same card, which didn't include the bonus. I did not receive an email notating such ( I checked all of my emails ), and I did not receive any pop-up pages detailing this asking me if I would still like to accept the alternate card minus the bonus. There are others who have fallen victim to this practice as well. Here 's a link to a XXXX thread of people experiencing the same issue. 

XXXX XXXX XXXX I don't believe this is a fair practice by Capital One, as it misleads people into opening new accounts with expectations of receiving a substantial reward on the basis of spending a larger amount of money. It's really frustrating for them to misguide and mislead people this way and offer no real alternative. All I got was an apology, and that's it. It's too difficult in today 's time, with the increased cost of living and problems in society, where a prominent company in America can still continue to operate with these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion have failed to send me reinvestigation proof of investigating these inaccuracies CFPB XXXX XX/XX/year> CFPB XXXX XX/XX/year> Under 15 USC 1681i ( 7 ) Im requesting a Description of the investigation : Name of agent who investigated. Date of investigation? Furnishing agent name? company? and source of information? what method was used to confirm accuracy? Did any of the agents contact primary sources of the debt such as the person who acquired the debt and the employee who first processed it?

15 U.S. Code 1692 ( C ) - Communication in connection with debt collection. My rights were violated by your company continuous unlawfully communication over a year and have not provided proof of investigation, remove all of these negative accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status : Paid Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Account Status : Paid Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Status : Derogatory ( XXXX  shows paid this is inaccurate ) Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Status : Payment Status : Collection/Chargeoff No 1099C received for reporting and wrote off as a lost filed with the IRS

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Experian and Equifax credit reporting agencies have taken it upon themselves to add improper names addresses and accounts to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX and XXXX  credit reporting agencies have taken it upon themselves to add improper names addresses and accounts to my credit report.

Company response to consumer: Closed with explanation