vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased a used vehicle from a dealership in XXXXXXXX XXXX. I made a {$300.00} deposit with my Wells Fargo debit card XXXX day before the full purchase, and no surcharge or notice of any fees was mentioned or applied at that time. 

On the next day ( XX/XX/XXXX ), I returned to complete the purchase. I paid {$2000.00} in cash and the remaining balance with my debit card. At that moment, the dealership informed me that a XXXX  % card fee would be applied to the card payment. They never offered me alternative fee-free payment methods such as checks. I was left with no option but to proceed. 

This fee amounted to {$60.00}, which I strongly believe was charged without adequate prior notice and without offering a legitimate way to avoid it. 

The dealership claims to have " signs posted, '' but these were not shown or pointed out to me, and there was no verbal disclosure or signed consent regarding this specific fee. 

Additionally, the dealership 's salesperson only mentioned the fee after I had already agreed to proceed with the card payment and had limited options at that point. 

I feel this practice is deceptive and goes against fair business practices. It places debit card users at a disadvantage and may violate consumer protection regulations under debit card usage. 

I have already filed a dispute with Wells Fargo for the fee ( Reference # XXXX ), and I am now requesting CFPB to investigate this matter and hold the dealership accountable for not providing proper disclosure and alternatives as required.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) XXXX  15 U.S.C. 1681e ( b ). In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. XXXX XXXX XXXX XXXX XXXXXXXX

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 — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I have requested a money transfer ( western Union ) from my XXXX account of XXXX XXXX  to XXXX XXXX XXXX account in XXXX XXXX but the transaction was cancelled and my money not refunded, I am currently working in the cruise industry and don't have the time to go to a branch to sort out the refund. Therefore I would appreciate it if the money is sent back to my XXXX account. 

XXXX ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing is reporting a collection account for XXXX XXXX  that I have disputed. They have failed to provide verification and the balance appears unsubstantiated.

Violations : 1681e ( b ) : Reporting inaccurate information.

1681s-2 ( b ) : Failing to investigate properly.

1681i ( a ) ( 5 ) ( B ) : Non-verifiable data must be deleted.

UCC 3-501 & 3-505 : No lease contract or documentation proving legal right to collect.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries and collections I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries.

19 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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: Improper use of your report — Reporting company used your report improperly
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
{$1000.00} XX/XX/year> account number : XXXX The company reported this on my credit unlawfully

Company public response: Company disputes the facts presented in the complaint
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: NY

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Experian compliance XXXX. If this matter is not resolved promptly, I will be petitioning the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and seek XXXX assistance XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX closed my business checking account after stating it could not be verified. On the same day, I received an email from XXXX XXXX stating that my funds would be held for XXXX  days and released on XX/XX/year>. This date starts the XXXX period weeks after the actual closure date. 

At the time of closure, there were no pending transactions and no account activity before or after the closure date. 

I reviewed XXXX  General Terms and Payment Terms and found no clause authorizing a XXXX hold after closure or delaying the start of that period past the closure date. 

I requested XXXX provide the specific contractual or policy authority for this hold and the delayed start date. To date, they have not provided this information or any documentation to justify the delay in releasing my funds.

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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX filed a lawsuit against me regarding a debt originally from Chase Bank. However, I have been actively making payments toward this debt, even while facing significant financial hardship due to ongoing health issues. 
Despite doing my best to stay on track, I was never informed that legal action would still be taken against me while I was making regular payments. I spoke to a representative of XXXX and rothman beginining of May to have my payments reduced and verbally agreed to the payment arrangement on a recorded line. I was told a contract would be sent to me which i never received, i continued to make payments as arranged, I have made every effort to stay in communication and fulfill my obligations to the best of my ability, and I feel blindsided and mistreated by the decision to file a lawsuit against me during this time. 
I was not given a clear explanation of why this lawsuit was filed, and I have not received proper documentation or validation of the debt from XXXX XXXX XXXX. I also dont understand whether they own the debt or are collecting on behalf of someone else. 
I believe this action is unfair and may violate the Fair Debt Collection Practices Act ( FDCPA ), particularly considering my willingness to work with them and my demonstrated effort to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On or about XX/XX/2025, I used my chime card that day. Later that evening, I received an email indicating that my account had been closed. I immediately contacted the company to inquire about my funds and was told that the remaining balance of approximately {$22000.00} would be sent to me via check within 30 days. 

About 45 days later, I reached out again and was informed that the check had not yet been mailed and would be sent out within 30 days. When that period elapsed, I contacted them once more, and I was told that the account had not officially closed until XX/XX/XXXX, so I could expect the check in the first week of XXXX. 

However, I did not receive it, and when I called back, they claimed the check had been mailed to the state. When I requested reference numbers and the point of contact at the state, I was hung up on. I called back a few weeks later, requested a supervisor, and was given a reference number and told that a check should have been mailed within 30 days. They instructed me to call back for updates.

Tonight, I called again out of frustration. I was transferred between multiple supervisors, but the final response was that the account was closed, the check was mailed to the state, and they could not provide any additional information. They then ended the call abruptly.

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: AL

Complaint narrative:
To Whom It XXXX Concern, This letter is in response to a notice I received dated XX/XX/year>, regarding an alleged debt that you claim I owe to XXXX XXXX XXXX, in the amount of {$1100.00}, originally from XXXX XXXX XXXX, XXXX. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Please provide the following information : The name and address of the original creditor A copy of the original signed contract or agreement bearing my signature A complete account history showing how the amount claimed was calculated, including all fees and interest Proof that you are legally authorized to collect this debt on behalf of the creditor Please note that until this debt is properly validated, you must cease all collection efforts, including reporting this alleged debt to any credit reporting agencies, as required by law. 
If you can not provide proper validation, you are required to delete any information related to this debt from my credit report and cease all collection activity. 
I also request that all future communications regarding this matter be in writing only. 
Sincerely, XXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
I paid my balance in full in XXXX. The account cycled after the payment posted and left a small balance. I was not notified of this. My account had always been set up for automatic payments if the minimum payment so I was unaware the account went past due. I have never missed payment with this creditor. When I realized the issue I set up a payment plan to pay the balance of {$72.00} per month to post before the due date. The amount f {$110.00} is showing due by XX/XX/year> I was reported as 30 days late and my credit score dropped XXXX points.

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: IL

Complaint narrative:
I am a victim of identity theft. According to the FCRA Section 605b this information must be removed from my credit report within 4 days. Please remove immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/year> ACTION WAS NOT TAKEN AND THIS IS A FORMAL NOTICE OF VIOLATION As the deadline has now passed with no lawful resolution, I hereby notify the Consumer Financial Protection Bureau and XXXX relevant parties that : Equifax, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX active violation of the XXXX XXXX XXXX The information on my credit reports is unverified and must be immediately deleted Continued reporting constitutes willful noncompliance and injury under XXXX XXXX XXXXXXXX and XXXX DEMAND FOR IMMEDIATE ACTION : I now demand the immediate deletion of this account from EquifaxXXXX XXXX XXXX XXXX and formal enforcement action by the CFPB against all noncompliant entities. 

If this matter is not resolved within XXXX calendar days from receipt of this letter, I will proceed with the following actions without further notice : File formal complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX  Submit affidavits and evidence to the XXXX Department of Justice XXXX XXXX XXXX XXXX civil litigation for damages, costs, and injunctive relief Publicly publish the timeline and supporting documents as part of a consumer protection awareness campaign Please respond with full documentation of any corrective actions taken, including deletion confirmations and any penalties issued to the involved parties. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Dear CFPB Customer Service, I am writing to formally express my continued concern regarding an unresolved issue involving Bank of America, originally documented under Complaint # XXXX. This complaint relates to an incident in which my husband received {$800.00} in counterfeit bills from a Bank of America branch. 

The issue stems from a transaction during which the bill counting machine repeatedly malfunctioned. Despite the errors, the cashier insisted on continuing to use the same machine to count the bills. This raises serious concerns about the accuracy and reliability of the equipment used. 

Since XXXX, we have repeatedly requested the following documentation from Bank of America : 1- The video recording from the time the bills were handed to my husband 2- The error log from the bill counting machine 3- The machines calibration and maintenance records To date, none of these materials have been provided. Due to this lack of transparency, I filed a claim with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX ). However, this complaint was closed following Bank of America 's response : The funds were run through a counterfeit detecting money counter and no counterfeit bills were dispersed. Based on the above information, we have determined that no bank error occurred. 

This response completely fails to address the core issue. I am not disputing whether the bills were run through a machine I am stating that the machine was faulty and failed to detect the counterfeit bills. That is precisely why I have requested the machines error logs, calibration and maintenance records, and the relevant video footage none of which have been made available. 

I urge you to take this matter seriously and provide a proper response, along with the documentation previously requested. 

Sincerely, XXXX XXXX Phone : 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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MO

Complaint narrative:
XXXX conducted a background check on me this year and reported a criminal record that has been officially expunged over a year prior. I have court documents proving this record was expunged by XXXX XXXX. Despite this, XXXX included the expunged record in a consumer background report. This inaccurate and unlawful reporting caused me to lose a job opportunity, resulting in financial and emotional distress. I have filed a formal dispute with XXXX and requested immdiate correction. I am seeking assistance with the CFPB and FTC to investigate and ensure compliance with the FCRA, I have uploaded legal court documents showing record was expunged XXXX of XXXX.

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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was trying to purchase a car and realized I had things reporting incorrectly. to my credit. according to 15 u.s.c 1681 there shouldn't be any damages to my report it's a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation