vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I disputed a XXXX charge with Chase for the XXXX XXXX concert at XXXX XXXX XXXX on XX/XX/year> ( {$230.00} ). 

I was denied entry by venue security/ police even though I had a valid ticket. My ticket barcode was never scanned or used. 

I have now received an email from the venue confirming that my ticket was not scanned and that the gates were open at the time, meaning I should have been allowed in. 

Chase denied my dispute twice, claiming XXXX provided the service of the ticket. That is incorrect : the service purchased was admission to the event, not the digital delivery of a barcode. I also had to call in to chase XXXX  times about this claim, spoke to the manager of claims and they still refused to resolve these issues. 

XXXX, as the merchant of record, failed to render the service. By refusing to reopen the dispute even after new evidence was provided, Chase is violating XXXX Core Rules 13.1 and Regulation E ( 12 CFR 1005.11 ). 

I request that Chases executive dispute office reopen the case for XXXX Compliance review, refund the {$230.00}, Chase provide a courtesy reimbursement or goodwill credit and reverse any overdraft fees caused by this mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: MEGA CAPITAL FUNDING INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding the mishandling of my mortgage loan application with XXXX XXXX XXXX XXXX ( FCCU ), which was processed through Mega Capital Funding XXXX as the lender. 
On XX/XX/XXXX, I initiated a mortgage loan application for {$210000.00} USD with a scheduled closing date of XX/XX/XXXX. Throughout this process, I provided numerous personal and confidential documents, including passports, drivers licenses, and visa  documentation, as requested by the lender. 
The underwriting process continued until XX/XX/XXXX, at which point I was informed that the loan could not be approved due to my visa  type. This decision was both unexpected and unjustified. My visa status was disclosed from the beginning of the application on XX/XX/XXXX, and it should not have been grounds for denial after a month of document collection and underwriting review. 
If the visa classification was indeed a disqualifying factor, this determination couldand shouldhave been made at the outset of the process. Instead, the lender proceeded to collect extensive personal and financial records, only to deny the application at the final stage based on information they already possessed. 
Moreover, the reasoning provided raises serious concerns about racial and national origin discrimination. The denial appears to have been based not on my financial qualifications or creditworthiness but rather on my immigration status and background. Such treatment may constitute a violation of federal fair lending laws, including the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ), which prohibits discrimination in any aspect of a credit transaction on the basis of race, color, national origin, or other protected characteristics. 
As a result of this negligent and discriminatory conduct, I have suffered financial loss. The delay caused by the lenders actions prevented me from completing the transaction within the contractual grace period, leading to the forfeiture of funds for the home inspection, appraisal, and earnest money deposit. 
I am requesting reimbursement for all financial losses incurred as a direct result of this mishandling and discriminatory treatment. The lenders conduct demonstrates a lack of due diligence, professionalism, and adherence to fair lending practices.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX my brother sent {$600.00} and {$260.00} through XXXX XXXX using his card from WF ending in XXXX. I received it through XXXX XXXX  and cash it out to my Wells Fargo account ending in XXXX My Brother filed a dispute against multiple transactions in which mine was mistakenlya part of so Wells Fargo then asked XXXX XXXX for the money back and which cash app took the money out of my account on XX/XX/XXXX. I received a withdrawal from XXXX XXXX for {$600.00} and {$260.00} on XX/XX/XXXX I called XXXX XXXX and they let me know it was a dispute for the amount back in XXXX so I went to My brother. The disputes were withdrawn from Wells Fargo account XXXX ( XXXX XXXX ) taking the money back from his account ... and that's where the trouble begins Wells Fargo says they are not in charge of sending me my money back. Cash app says they are not in charge of sending me my money back. Nobody knows where these funds have gone. 
The money has clearly been retaking out of My Brothers account, but has not been re-dispersed to me. After multiple phone calls to Wells Fargo and multiple phone calls to XXXX XXXX  through both my account and his account they are basically playing ping-pong . Wells Fargo is saying to go to XXXX XXXX  and follow dispute and XXXX XXXX is telling me to go to Wells Fargo and file a dispute. I thought a dispute with Wells Fargo, which ended in a denied report. 
XXXX XXXX refuses to let me file a dispute. XXXX XXXX has told us - on both accounts- they have no knowledge of any refund and that they will not be receiving a refund through My Brother 's WF account Wells Fargo has told us that they also do not provide refunds for third-party vendors and to take it up with XXXX XXXX My name is XXXXXXXX XXXX XXXX His name is XXXX XXXX XXXX has traced where the money has went and is really disheartening and the money is lost in air right now. Please help 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 2025-10-16 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Once youve conducted the necessary review, I kindly ask that you confirm in writing that these corrections have been made and the delinquency removed.

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 2025-10-16 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:
Once youve conducted the necessary review, I kindly ask that you confirm in writing that these corrections have been made and the delinquency removed.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX, XXXX  & XXXX  credit report on XX/XX/year>, 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 ( 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.

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 2025-10-16 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: KY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2025, I opened a Wells Fargo Everyday Checking account under a promotion offering a {$400.00} cash bonus for new consumer checking customers. The offer stated that to qualify, I must ( XXXX ) open the account with the promotional code, ( XXXX ) receive {$3000.00} or more in qualifying electronic deposits within XXXX  days, and ( XXXX ) keep the account open until the bonus was paid. 

I met all of these requirements well within the XXXX qualification window. My account has remained open and active, and I have maintained regular direct deposits that satisfy the terms described in Wells Fargos own Account Opening Bonus Disclosure ( which defines qualifying deposits as ACH direct deposits, instant payments, or electronic credits ). 

Despite fulfilling all the conditions, Wells Fargo has not credited the {$400.00} bonus to my account, and it has now been well past the qualification period. I have verified through my online account and bonus disclosure documents that I met all criteria. I also received confirmation that my account was approved, signed, and active as of XX/XX/2025, with eligibility for the {$400.00} offer clearly stated. 

I have contacted Wells Fargo customer service, but I have not received a clear resolution or timeline for when the bonus will be paid. The promotional terms were explicit, and I have documentationincluding account approval emails, bonus offer disclosure, and my qualifying depositsto support that I met all conditions. 

I am requesting that the CFPB review Wells Fargos handling of this promotion and ensure they honor the {$400.00} bonus as advertised for customers who satisfied all qualifying requirements.

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 2025-10-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App. My account is locked with money in it. This being going on for XXXX  months and I they have no way of letting u know what going on unless it my email. The only problems they havent reach out to me XXXX time. I call this number they do have but they dont have any information on what going on. They keep saying the department that handle that only communicate through email. They have email me XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I request validation of this debt this year XXXX  and this company has not responded with validation. I have never had business with this company. I do not owe this and it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have had a problem with Wells Fargo holding deposits stating that the bank the check is drawn on is providing information that there are insufficient funds in the account. I actually own both accounts and my other bank assures me that they are not providing erroneous NSF information to Wells Fargo. They even issued a letter to Wells Fargo that funds are more than sufficient in the account. I made another deposit to Wells Fargo from my other bank for {$20000.00} on XX/XX/year>. Wells Fargo indicated the funds would be available the next day. Wells Fargo withdrew the funds from my other bank and made them available in my account, as indicated, the next day XX/XX/year>. On XX/XX/year>, I received a message from Wells Fargo at XXXX that they had removed the funds from my account and were holding them for a week because my other bank told them that there were NSF in the account. As you can see, this would be impossible because Wells Fargo already has the funds. Wells Fargo will not disclose to me where they have the funds or why they are holding them as there is clearly no NSF. They will not make any effort to resolve the situation. Their advice to me to avoid a hold in the future was to withdraw the {$20000.00} in cash from my other bank and drive it to a Wells Fargo branch and make the cash deposit there.

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 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I had to let Credit Acceptance take there vehicle back. In the month of XXXX of XXXX, due to the condition of the vehicle, and I was being laid off from my employer at the time and couldn't keep the note up.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, a duplicate name and date of birth, and late payment statuses that should be updated. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief