vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: FL

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 ( XXXX ) 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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Company has not removed account from credit report after being notified of dispute and that we will not pay

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Complaint Summary : Institution : Wells Fargo Bank Issue : Overdraft Fee Abuse / Unfair Fee Practices Date of Incident : XX/XX/2023 Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Email : XXXX Phone : XXXX Account ending XXXX -- - Details of Complaint : On XX/XX/2023, the same day I underwent XXXX and was temporarily unable to oversee my bank account, my paycheck was deposited later in the day as usual. In the brief window before the deposit posted, my account went negative, triggering XXXX XXXX overdraft protection. 

Wells Fargo immediately charged XXXX overdraft fees of {$35.00} each, totaling {$210.00}, despite the overdraft lasting only a short time and being fully repaid shortly after. When I contacted them to dispute the fees, citing my inability to access the account during XXXX and immediate repayment, they refused to reverse more than XXXX fee, citing a rigid XXXX refund per year policy. 

Their refusal to acknowledge my circumstances, review the account context, or correct the remaining {$170.00} in penaltiesdespite the account being back in good standingis exploitative and unacceptable. 

These actions show : A systemic abuse of overdraft fee policies that ignores customer vulnerability and context Failure to act in good faith, even when the issue was clearly documented and resolved A profit-first model of fee extraction, not consumer protection My account remains negative solely due to these feesnot due to unpaid debt. I am seeking the full reversal of all six fees and regulatory attention to this harmful fee-based structure. Wells Fargos p

olicies lack compassion, context, and consumer fairness. -- - Resolution Requested
: Full reversal of the six overdraft fees ( {$210.00} total ), formal review of Wells Fargos overdraft policies, and regulatory monitoring of fee practices affecting vulnerable or temporarily inactive consumers.

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 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I just recently made a complaint on Midland credit management about wrongfully obtaining information on my credit. I am now getting papers to be garnished on a charge off on my credit report. I would like a full investigation on how my information was obtained by a third party, due to my personal information being inaccurate on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a new credit card with Bank of America after a banker told me I could move funds to my checking account with no interest for 15 months and a 3 % fee. After opening the card, I learned the offer only applied to direct deposits. 

I noticed XXXX of my older cards had a similar direct deposit offer : 4 % fee, 12 months no interest, available until XX/XX/XXXX. I planned to use that offer closer to the deadline. However, when I checked the app again weeks later, the offer had disappeared. 

I contacted Bank of America on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, a XXXX ( XXXX XXXX ) confirmed the offer was originally valid until XX/XX/XXXX but was pulled early. She could not explain why or say if it would return. 
While BOAs terms say promotions may not always be available, there was no indication the offer could be withdrawn before the stated deadline. I made financial plans relying on that date. This feels misleading and has caused me hardship.

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 2025-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year>, I deposited a check for {$480.00} via an ATM using my Bank of America credit card. Shortly after, I contacted Bank of America to request that {$400.00} be transferred from my credit card to my checking account, leaving the remaining {$88.00} on the credit card to round the balance. I was informed that this transaction was possible, and the request was processed. 

After waiting XXXX weeks from XX/XX/year>, I was informed that the {$400.00} had been withdrawn from my credit card but was mistakenly deposited into another customers account. I immediately filed a claim to recover the funds, but to this day, they have not been returned to me. Although a manager was supposed to follow up with a phone call, I never received any communication. I also visited a Bank of America branch to file a formal complaint in person, yet I have still not received any resolution or follow-up from the branch manager. 

On XX/XX/XXXX, XXXX the CFPB became involved in this caseI received a letter from Bank of America claiming that the check had been returned to XXXX, the institution from which it originated, and that the fund was sent back into their company account. However, XXXX confirmed that they never received the money and that BOA is playing with my money and telling me lies, as the money was never sent back to them. Despite this, Bank of America closed the case and marked it as resolved. I have clear evidence that the {$400.00} was withdrawn from my Bank of America account, yet the bank has failed to return the funds and continues to provide conflicting information.

As a loyal customer of over eight years, I am extremely disappointed by the lack of accountability and support in handling this matter. This experience has caused me significant emotional distress. I am requesting your assistance in retrieving the {$400.00} that was wrongfully taken from my account, as the bank has failed to take responsibility for their error. I believe they are taking advantage of the fact that I am a female and I'm XXXX, and this is very wrong.

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 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
The statement provided by the company, XXXX XXXX XXXX # XXXX, don't reconcile. I borrowed {$3300.00}. When I received the first statement dated XX/XX/year> the starting balance showed {$3400.00}, a difference of {$6.00}, which no description of the service/finance fee in the statement. The XXXX statement dated XX/XX/year> showed the opening balance of the {$3400.00} and payment of {$200.00} on XX/XX/year>. The payment was broken down into interest ( {$21.00} ) and principle ( {$170.00} ) which = the {$200.00}. However the ending balance shows {$3200.00} which is {$8.00} higher than the closing balance should be based on starting balance of $ XXXX {$170.00} = {$3200.00}. Again, a difference of {$8.00}. The company states that it is accrued finance charges or interest, but does not include the fees on the statement. Each of the next XXXX subsequent statements are a few dollars off and higher than the balance should be. Again, the company just states that they are fees added in after the payment was made but they make no attempt to include the so-called fees in the statements making me think that they are fraudulently adding in extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing inaccurate and misleading bankruptcy-related remarks reported by Capital One on two closed credit card accounts.

Both accounts : Carried {$0.00} balances Were closed before my Chapter 7 filing Had 0/0/0 late payments Were not charged off or delinquent Despite this, Capital One is reporting Chapter 7 bankruptcy on both accounts, along with Account closed by credit grantor and Dispute resolved reported by grantor. These remarks are contradictory and false.

This is a direct violation of : FCRA 1681e ( b ) Reporting must be accurate and complete FCRA 1681s-2 ( b ) Duty of furnishers to correct disputed info UDAAP Harmful, misleading reporting that suppresses my credit recovery These accounts were not included in the bankruptcy and should not carry any bankruptcy reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Requested validation of debt from creditor and original debt company did not provide

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I had opened an account with moneylion i liked the rewards and the ability it provided to earn money and or rewards in app also it provided a credit builder loan and some advance cash payments. For the first week it was okay there was no problem. I signed up for the money building loan to try and see if I could manage it and if it was doable with my efforts. Come to find out the Wow money builder loan requires that you pay them a little over {$1000.00} dollars plus Interest in payments every month or week and when you have paid them this large sum then you may access it In a credit reserve that is for you and use this cash. Well I thought this was pointless and not for me, so I told them to cancel this .. cancel this subscription because it was only a trial anyway and I did not sign any documents saying I agreed to this. Now I am apparently 60 days in debt for XXXX XXXX  and it does state that this was closed this account was closed for XXXX months now. They have put me in collections for this amount to them. I looked at these documents and my name is typed out. There is no date no initial no digital signature that you agree to they just typed my name on these forms. They have also been siphoning funds from my cash app account by using frozen cards and fees that do not exist and then refund this fee of XXXXXXXX XXXX every time I to there own cash account where I can't use the money and I'm not able to transfer it out to another account. The physical and XXXX cards I have with them that were verified are now unable to unfreeze somehow. I have spent days chatting and sending messages and doing phone calls and I am given the full runaround every single time. They also deleted my message history And payments history with them just recently. This app is getting into my finance accounts and taking money and I am pretty sure using a fake name called XXXX merge XXXX XXXX XXXX XXXX XXXX to extract funds at XXXX to XXXX at a time. I had XXXX of these fraudulent transactions in a row til XXXX dollars was totally extracted. This sums it up. Thank you for your time and patience.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I had a bank account with BMO Bank. I signed up for a Smart Advantage Checking account, which had a {$350.00} bonus if you meet certain criteria. The criteria was if you make a number of direct deposits to the account within a certain amount of time, which I completed on XX/XX/XXXX. The bank would pay the bonus after 90 days had passed, which was to be the beginning of this XXXX. 

Today I logged into BMO and found that they had closed my checking account, without ever so much as an email or phone call to warn me in advance. I believe they deliberately closed my account in an effort to avoid paying me the {$350.00} bonus. This is extremely shady business practice by a bank for not satisfying their own conditions and terms for a promotional offer they are giving to the public.

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 2025-08-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: MI

Complaint narrative:
I'm trying to get my SSI XXXX XXXX card unfreeze my account and they are refusing to do so I did not call them my friend did and because I kicked her out she decided to go and call them its my card and now I'm dealing with no money at All

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple Fraudulent inquiries. I have no knowledge of these inquiries and need them removed immediately. This is my 2nd attempt reporting these unauthorized accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief