vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I filed a fraud claim with Chase Bank for multiple unauthorized ATM withdrawals from my account. I also submitted a valid police report as supporting documentation. Less than 24 hours later, Chase denied my claim without providing a clear reason or showing that any real investigation took place.

Under Regulation E, banks are required to conduct a reasonable and good-faith investigation of unauthorized electronic transfers. A same-day denial, especially after receiving a police report, clearly does not meet that standard. I am requesting that this matter be reopened and properly investigated with regulatory oversight. 

The representative who took my claim did not seem to handle it correctly. She listed the total fraud amount as {$2200.00}, but when I reviewed the ATM withdrawals, the total was only around {$1800.00}. She also never asked me basic fraud investigation questions like whether I had possession of my card.

I received a fraud alert from Chase asking if I was attempting an ATM withdrawal, and I clicked No. Even after that, Chase still allowed further ATM withdrawals to go through. My debit card wasnt even in my possession I had no idea it was missing because I rarely use the physical card ( I have the numbers memorized ). While my PIN may have been stored with the card, that alone is not enough to deny a claim under Regulation E.

I filed a police report and uploaded the documentation through the Chase app. Yet, within the same day, Chase closed the investigation and denied my claim without refunding any of the stolen money. That is completely unacceptable, and I am demanding this be reopened and reviewed properly. If necessary, I am prepared to take this to small claims court. 

XXXX be attaching all relevant documentation to this report. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$1800.00} at a store called XXXX XXXX in XXXX, XXXX. We were brought there by a local who insisted it was a great place for tailored clothing. In hindsight, we now realize this is a common scam setup used on tourists. 

Although I did sign for the transaction, it was before I realized what was happening. As soon as we left the store, we felt something was off. We searched online and immediately found dozens of reports describing the same experience people being lured into XXXX XXXX, overcharged, and then denied refunds. Some even reported being physically threatened when they tried to cancel. 

I returned to my hotel right away and asked the concierge to help me cancel the transaction. The merchant refused. I never received any products or services. 

I filed a dispute with Wells Fargo and provided all documentation, including my attempt to cancel within hours and proof of the merchants fraudulent pattern. Despite this, Wells Fargo denied my claim, citing that I had signed the charge. I submitted additional proof and online reviews showing this is part of an organized scam, but after more than three months, Ive still received nothing and Wells Fargo refuses to help. 

This is not a misunderstanding or buyers remorse. I was deceived, never received anything in return, and am out nearly {$2000.00}. I am asking for your help because I followed all the proper steps, and my bank has failed to protect me.

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting an immediate re-investigation into several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. 
I previously contacted your agency and was assured that these inquiries would be removed. However, they still appear on my report. This ongoing inaction is unacceptable and raises serious concerns regarding potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-07-10 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: VA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> I closed on a mortgage with PNC bank. There were several delays in the closing date and at closing there were delays due to the mortgage banker not sending the funds in a timely manner. The biggest issue I have is that I told my mortgage banker I was XXXX, and that I may need things explained in detail. My mortgage banker inflated my income and what ended up happening is that I got a mortgage that was over 50 % XXXX. I consider this fraud. I am struggling and can not save up for needed improvements or repairs. I am really confused because XXXX XXXX purchased my mortgage and I was under the impression that they will not buy mortgages where the XXXX is over 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code by various furnishers regarding accounts that were either discharged in bankruptcy or are reporting inaccurately. 

I filed XXXX XXXX bankruptcy on XX/XX/XXXX, under case number XXXX, and received my discharge on XX/XX/XXXX. 

The following accounts are currently reporting derogatory or inaccurate information post-discharge : XXXX. XXXX XXXX XXXX Reporting late payments on an account with {$0.00} balance and Pays as agreed status. This is misleading, as the account was discharged and should not reflect past delinquencies. 
XXXX. XXXX XXXX XXXX Similarly showing negative status with XXXX lates, despite a {$0.00} balance and closed status. These should be suppressed in accordance with FCRA and bankruptcy discharge protections.

3. XXXX XXXX XXXX Reporting as a charge-off with {$0.00} balance. This account was included in bankruptcy and must not reflect a derogatory status post-discharge.

4. XXXX XXXX XXXX XXXX Same situation as above ; the charge-off status is inaccurate post-bankruptcy discharge and violates the discharge injunction under 11 U.S.C. 524.

5. XXXX XXXX Shows a {$0.00} balance but continues to report as a charge-off. This account was discharged and should be corrected to remove derogatory notations. 
XXXX. XXXX XXXX XXXX Account listed as Included in Bankruptcy but continues to reflect past due history and a worst rating of XXXX days late. This violates FCRA 1681s-2 ( b ). 
XXXX. XXXX XXXX XXXX Reporting inconsistently with derogatory payment history, despite discharge and {$0.00} balance. This is not in compliance with post-bankruptcy credit reporting obligations. 
XXXX. XXXX Account was discharged, yet it continues to report negatively. The data furnisher has failed to properly update this account to reflect the correct status post-discharge. 

I have attempted to resolve these issues at least seven times, including formal disputes with the credit bureaus and data furnishers. Despite repeated requests, the inaccuracies persist in violation of the FCRA and my bankruptcy protection.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-10 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: TX

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-10 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: NE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on 07/10/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-07-10 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: MN

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MN XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-10 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : 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 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account without warning, stating only that they found potential risk associated with it. They gave no specific explanation, no details on what activity was flagged, and no actual policy I allegedly violated. 

I complied with all their documentation requests ( sent ID, explained transactions were for personal/family reasons ), and yet my account was still shut down. The only response I keep getting is a copy-paste message saying they reviewed my account and made a final decision, without telling me what the actual issue was. 

I also have a XXXX balance in my PayPal account, and they are refusing to let me withdraw it. They claim funds will be held for up to XXXX  days, but this crypto balance is not subject to chargebacks or standard fiat-based financial disputes. No justification has been given for withholding it, and no timeline for release has been provided. I was told only that Ill get an email when its available. 

I believe this lack of transparency and refusal to release crypto assets may violate consumer protections and financial service regulations. I am requesting : A full explanation of the account limitation decision Immediate access to withdraw my cryptocurrency funds A clear timeline for when all held funds will be released

Company response to consumer: Closed with explanation