vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I got an alert on my credit report that on XXXX XXXX  and XXXX XXXX  XXXXXXXX XXXX XXXX ran my credit for a new credit card I did not apply for or give permission for them to run my credit report for a new credit card it was not me. Then on XXXX XXXX XXXX XXXX XXXX  ran my credit for applying for a credit card again it was not me I did not apply for a credit card. I did not give them permission or sign anything to apply for a credit card. I called both companies and they both said that I needed to report the unwanted and unauthorized use of my information to CFPB to help get this resolved. These were marked as hard inquiries on my credit report hurting my score and were all for credit cards. Please help get these off my credit report and help me get my credit frozen or whatever I need to do so nobody can apply for more.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a Wells Fargo XXXX XXXX with monthly payments due on the XXXX of each month. Due to confusion about my payment date, I made XXXX payments that were minimally late, resulting in excessive interest charges that Wells Fargo refuses to fully waive despite the disproportionate nature of the penalties. 

* * XX/XX/year> Payment : * * - Payment due : XX/XX/year> - Payment submitted : XX/XX/year> ( 2 days late ) - Late fee charged : {$29.00} - Interest charge : {$87.00} * * XX/XX/year> Payment : * * - Payment due : XX/XX/year> - Payment submitted : XX/XX/year> ( 1 day late ) - Late fee charged : {$40.00} - Interest charge : {$65.00} * * Total charges : {$220.00} ( {$69.00} in late fees + {$150.00} in interest ) * * * * Actions Taken : * * I contacted Wells Fargo customer service to request relief from these charges, explaining that the late payments were due to an honest mistake about my payment schedule and that I have otherwise maintained good payment history. 

* * Wells Fargo 's Response : * * - Customer service waived both late fees ( {$69.00} total ) - Applied {$50.00} credit toward interest charges- Refused to waive remaining {$100.00} in interest, claiming a " system limit '' of {$50.00} for interest charge reversals- Representatives stated no retention department exists and no further relief is possible * * Why This Is Unfair : * * The interest charges of {$150.00} for being XXXX days late are disproportionate and punitive. A customer should not face over {$150.00} in interest penalties for brief delays that had minimal impact on the bank. The rigid " system limit '' policy appears designed to extract maximum fees rather than treat customers fairly.

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 2025-05-24 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments.

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 2025-05-24 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: CITIBANK, N.A.
State: WA

Complaint narrative:
My credit card with CITI was used exclusively for XXXX purchases beginning XXXX XXXX XXXX  totaling {$6800.00} of fraud as shown per my transactions. I do not have an XXXX account associated or linked to any XXXX account with my credit card. I decided to do a budget mid XXXX and noticed I've been paying thousands of extra each month and I realized there's fraud being committed. I disputed these charges at once as I did not authorize nor purchase any of these items. 

They issued me a new card and gave me conditional credit. A few weeks later they are saying I'm responsible for the majority of these unauthorized purchases. They have reversed the conditional credit for 99 % of the purchases and now expect me to pay it back. You can clearly see that my card was hacked per the documents they've released. The items purchased are all from XXXX and going to different people in the USA. Citi has provided the addresses and the individuals who the packages are getting delivered too. 
The first transaction occurred on XX/XX/year> for {$9.00} with the last transaction was XX/XX/XXXX for {$33.00}. 
A possible solution they provide is for you to send a email disputing with a claim number for each individual dispute with the form they provide as well as evidence that it's not you who used the card. It puts me at a roadblock because in the instructions they also say I can't send screenshots, photos, or zip files of how i will dispute because their email can't handle that. So how do I get my evidence over? I have called over 4 times to reach the fraud department about this issue and each time I get bounced around to different individuals who don't have a consistent answer to my problem.

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 2025-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo decide to withheld a check which will cause me with overdraft fees from automatic payment, they have email me that I need to verify the check, which I did and was able to provide evidence for, they will not take the evidence and told me they cant do nothing about my check being held & I need to wait until XX/XX/2025 until my check clears, Im not sure why they send an out an email and when you go ahead and follow the instructions they still held my check and left my without funds for a week.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am getting married on XXXX, XX/XX/XXXX and my grandfather sent me money for final wedding invoices. I have been a Bank of America XXXX since XXXX and have no bounced checks or overdraft fees on my account in well over XXXX  months ( the requirement for release of funds ). I went to a Bank of America ATM on Monday, XX/XX/XXXX to deposit a check of XXXX XXXX. The ATM alerted me that there would be a hold and funds wouldnt be released until XXXX, XX/XX/XXXX. I called customer support, alerting her of my upcoming wedding and explained that if I could even get half of the funds expedited, I would be happy. She looked further into the account and deposit, telling me that she was seeing a release of funds on XXXX, XX/XX/XXXX. Later that night, I received an email saying my funds wouldnt be released until XXXX, XX/XX/XXXX ( my wedding day ). I went into a Bank of America XXXX on XXXX, XX/XX/XXXX and explained my situation once again. She called the escalation department and they were unable to do anything about the hold. They put in a hold escalation form and a complaint for the multiple mismatched days. I was told that if approved I would receive the funds with XXXX hours, but there would be no communication with me on the status. I would know once its deposited. Upon looking into the law, I discovered that I should have had at least half of my funds deposited on the XXXX business day per the Electronic Funds Transfer Act. When reading their deposit release schedule, there is no clear information about funds being released that matches my situation as a long time customer with no bounced checks. 
I believe Bank of America is unjustly holding my check deposit and breaking the guidelines in the EFTA. They have not been flexible and even with communicating my specific circumstances, they have not released even a portion of the funds in my account as I requested.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NV

Complaint narrative:
I have a loan with loancare for $ XXXX since XXXX I have been praying {$2200.00} every month since then. They started showing me delinquent right from the beginning and I found out it's because they Don't take partial payments where I pay twice a month for {$1100.00}. They take the initial payment and put it in a savings account somewhere and do not apply it to my loan. And when they get the second payment, they apply that to the loan and show that I am short. I have had many conversations with them. And they refuse to update their system to allow for multiple payments. They tell me that they have to actively go look in the other account to see if that's where they have money of mine and then they have to pull it back and apply it to my loan.And i've been told several times that they have to constantly do this and they're not going to do it.

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 2025-05-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-05-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights . 

I looked at my credit bureau credit report on [ date ] 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 generally, after any reinvestigation under paragraph ( 1 ) 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.

15 U.S.C. 1681B ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXXXXXX  SSA deposited funds to my XXXX  account. I chose regular transfer to my linked bank. XXXX  stated that the funds would be in my bank by XX/XX/XXXX. When the funds were not in my bank by the XXXX. When I tried to transfer the funds out again this option was no longer available. I then texted a chat bot that referred me to a human. The human was unable to unfreeze my funds and he escalated the situation to a specialist. the next day XX/XX/XXXX, we switched to email with the transcript of the chat. It was explained to me that I had broken their rules, and that XXXX  closed my account and would hold my funds for 180 days. It also stated that they would not explain what rules I had broken. I replied via e-mail that this was my social security that I rely on. They replied that the account is permanently closed, that my funds are frozen, and that the case is closed and not to try to contact them again. I have had this XXXX  account for years and SSA direct deposit since XX/XX/XXXX using the same linked bank account. Nothing has changed. Federal benefits like Social Security are protected funds, and services like XXXX  can not legally hold them without due process. I need this money that XXXX  is holding, and I need it now. I am not alone. A random person told me it happened to her as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXXXXXX  I paid {$1500.00} for a cruise cabin that turned out to be a scammer. 
I was calling what I thought was XXXX XXXX  to pay for my cabin for the cruise ship because I still had a balance left. I am doing a wedding on the cruise and because I am the bride I wanted to upgrade our cabin to a suite . The representative Said there was a promotion where we could upgrade our cabin for a decent rate and they said they do not take XXXX  or XXXX  XXXX. I paid with my debit card. When I called the real XXXX XXXX  line they could not see the changes that were just made on my upgraded cabin to a suite and said that I probably was scammed. The real XXXX XXXX line can accept XXXX and XXXX  XXXX as a form of payment, which was already different from what the scammer said he could accept. XXXX XXXX  wants me to verify certain information to make sure Im an authorized person on my account, but I was not asked to provide this authorization with the scammer, which looking back is a definite red flag. I filed a claim with my bank, Wells Fargo, immediately when I discovered that I had paid a scammer for my cruise cabin, but unfortunately, after a few days they came back denying the claim. I am trying to receive these funds because I need them for the wedding that I have planned for this year and I am seeking assistance to retrieve these funds back to my account.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
No information on signature of me opening this acct. and no information where the card was spent, sent ibill with present address, bank of america is trying to make me pay this credit card I never seen before. And not paying this bill. All thesent was a bunch of bills with different address.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I had an account with Ally Financial that was included in a bankruptcy petition in XXXX of XXXX, and subsequently discharged in XXXX of XXXX. During the automatic stay Ally continued to report the account wit a balance, and after discharge Ally is reporting a 30 day late payment on the account occurring in XXXX of XXXX. 

The account was discharged, and reporting any payment activity of any type - and specifically a " late payment '' on an account AFTER it was discharged in bankruptcy is a violation of the bankruptcy injunction. I would like the credit line corrected to reflect no payment history during and after the bankruptcy discharge, a balance of XXXX, and that the account was included in my bankruptcy- or the trade line deleted entirely.

Company response to consumer: Closed with explanation