vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I set up an account that stated once I receive {$500.00} in deposits before XXXX I would receive a {$300.00} bonus. My direct deposit was set up through my employer and the company is saying that the payments are not coming through as ACH payments when I know that I set the direct deposit up correctly using the account number and the routing number Ive received over {$1000.00} in payments to the Chase account and theyre still stating that it isnt valid. Ive meet the deadline date and theyre not honoring the coupon when the payments are coming directly from my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I mailed certified letters XXXX the credit reporting agencies indicating that i was a victim of id theft, i included the following : XXXX Report XXXX Report XXXX XXXX XXXX copies of XXXX Card & XXXX XXXX  -Utility Bill I have been a victim of major XXXX Theft and did not have knowledge of the accounts that were opened XXXX established in my name, yet the credit company denied my request XXXX  have this information removed from my XXXX XXXX. This has severely impacted my ability XXXX  obtain credit, open basic checking accounts, purchase a vehicle XXXX/or establish credit. I have sent my request in writing on multiple occasions, XXXX have been dealing with this since XXXX. Transunion, Equifax and Experian all show that i have been on thier credit file since XXXX which at the time would have made me XXXX XXXX XXXX ; not even old enough XXXX properly obtain credit. I have asked countless number of times to have this information blocked from my report XXXX they have refused saying that this information was previously disputed or have payments on file. my thing is OF COURSE it was previously disputed but no-one from these entities have told met hat i had XXXX  file XXXX reports XXXX and i HAVE contacted the debt companies directly XXXX  settle this matter when the credit companies refused XXXX  help me, so it seems as if i will be forced XXXX  pay for accounts that aren't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I mailed certified letters XXXX the credit reporting agencies indicating that i was a victim of id theft, i included the following : XXXX Report XXXX Report XXXX XXXX XXXX copies of XXXX Card & XXXX XXXX  -Utility Bill I have been a victim of major XXXX Theft and did not have knowledge of the accounts that were opened XXXX established in my name, yet the credit company denied my request XXXX  have this information removed from my XXXX XXXX. This has severely impacted my ability XXXX  obtain credit, open basic checking accounts, purchase a vehicle XXXX/or establish credit. I have sent my request in writing on multiple occasions, XXXX have been dealing with this since XXXX. Transunion, Equifax and Experian all show that i have been on thier credit file since XXXX which at the time would have made me XXXX XXXX XXXX ; not even old enough XXXX properly obtain credit. I have asked countless number of times to have this information blocked from my report XXXX they have refused saying that this information was previously disputed or have payments on file. my thing is OF COURSE it was previously disputed but no-one from these entities have told met hat i had XXXX  file XXXX reports XXXX and i HAVE contacted the debt companies directly XXXX  settle this matter when the credit companies refused XXXX  help me, so it seems as if i will be forced XXXX  pay for accounts that aren't even mine.

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 2025-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am an international student in the United States and do not have a Social Security Number. Recently, my checking and savings accounts at Bank of America were closed after I deposited a check through mobile banking. A few days later, my credit card with the same bank was also closed. 

I was informed that the reason for the closure was that the check I deposited was marked as counterfeit. However, I have clear evidence that this is not accurate. The check was sent directly to me by a legitimate company via email. I also have email and text message proof showing that the check bounced only because the companys XXXX was not in the office at the time to approve it not because it was fake or fraudulent. 

Despite this, I was not given a chance to explain or resolve the issue before being reported to XXXX. Because I do not have a Social Security Number, I can not access my XXXX  report online to view or dispute the information that was reported. 

This situation has severely impacted my ability to maintain basic financial services in the U.S., despite having proof that the issue was not due to any wrongdoing on my part. I respectfully request that the CFPB assist in reviewing this matter, help remove any inaccurate information reported to XXXX, and support me in having my accounts or banking access reconsidered. 

I am willing to provide any documentation necessary, including the original check, emails, and text messages related to this issue.

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 2025-05-03 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-03 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: TX

Complaint narrative:
I am filing a complaint agaist Equifax for failing to properly investigate my disputes regarding innaccuracies in my credit report. Despite my submissions, they havent gave any proof of a thorough investigation. This violates the FCRA, 15U.S.C of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
To Whom It May Concern : Subject : Formal Complaint Regarding Continued Reporting and Collection of XXXX  Loan Debt Following Executive Order to Dismantle the U.S. Department of Education I am writing to formally lodge a complaint against XXXX loan servicer, Experian, XXXX, and XXXX  concerning the ongoing reporting and collection of XXXX  loan debt. This action persists despite the issuance of an Executive Order by President Donald J. Trump on XX/XX/year>, directing the Secretary of Education to facilitate the closure of the U.S. Department of Education and transfer its functions to other federal agencies. 

Attached are documents as proof of my address on my XXXX and account and of all loans serviced by XXXX loan serviced account number XXXX Complaint Details : 1. Unverified Credit Reporting : The aforementioned credit bureaus continue to report XXXX  loan obligations that are now under the purview of different federal entities, raising concerns about the accuracy and verification of such information. 
2. Failure to Validate Debt Ownership : The loan servicer has not provided adequate documentation to establish legal ownership, collection rights, or servicing obligations, especially in light of the administrative changes following the Executive Order. 
3. Potential Violations of Federal Law : The continued collection efforts may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), given the uncertainties surrounding the legitimacy and enforceability of the debts in question. 

Requested Actions : Immediate cessation of all collection activities related to the aforementioned XXXX  loan debt. 
Removal of related entries from my credit reports maintained by Experian, Equifax, and TransUnion. 
Provision of comprehensive documentation validating the legal basis for the debts collection and reporting. 

Should these matters not be resolved promptly and satisfactorily, I reserve the right to pursue further legal remedies.

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 2025-05-03 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:
To Whom It May Concern : Subject : Formal Complaint Regarding Continued Reporting and Collection of XXXX  Loan Debt Following Executive Order to Dismantle the U.S. Department of Education I am writing to formally lodge a complaint against XXXX loan servicer, XXXX, XXXX, and TransUnion concerning the ongoing reporting and collection of XXXX  loan debt. This action persists despite the issuance of an Executive Order by President Donald J. Trump on XX/XX/year>, directing the Secretary of Education to facilitate the closure of the XXXX Department of Education and transfer its functions to other federal agencies. 

Attached are documents as proof of my address on my XXXX and account and of all loans serviced by XXXX loan serviced account number XXXX Complaint Details : 1. Unverified Credit Reporting : The aforementioned credit bureaus continue to report student loan obligations that are now under the purview of different federal entities, raising concerns about the accuracy and verification of such information. 
2. Failure to Validate Debt Ownership : The loan servicer has not provided adequate documentation to establish legal ownership, collection rights, or servicing obligations, especially in light of the administrative changes following the Executive Order. 
3. Potential Violations of Federal Law : The continued collection efforts may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), given the uncertainties surrounding the legitimacy and enforceability of the debts in question. 

Requested Actions : Immediate cessation of all collection activities related to the aforementioned XXXX  loan debt. 
Removal of related entries from my credit reports maintained by XXXX, XXXX, and TransUnion. 
Provision of comprehensive documentation validating the legal basis for the debts collection and reporting. 

Should these matters not be resolved promptly and satisfactorily, I reserve the right to pursue further legal remedies.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Subject : Formal Complaint Regarding Continued Reporting and Collection of XXXX  Loan Debt Following Executive Order to Dismantle the U.S. Department of Education I am writing to formally lodge a complaint against XXXX loan servicer, XXXX, Equifax, and XXXX  concerning the ongoing reporting and collection of XXXX  loan debt. This action persists despite the issuance of an Executive Order by President Donald J. Trump on XX/XX/year>, directing the Secretary of Education to facilitate the closure of the XXXX Department of Education and transfer its functions to other federal agencies. 

Attached are documents as proof of my address on my XXXX and account and of all loans serviced by XXXX loan serviced account number XXXX Complaint Details : 1. Unverified Credit Reporting : The aforementioned credit bureaus continue to report student loan obligations that are now under the purview of different federal entities, raising concerns about the accuracy and verification of such information. 
2. Failure to Validate Debt Ownership : The loan servicer has not provided adequate documentation to establish legal ownership, collection rights, or servicing obligations, especially in light of the administrative changes following the Executive Order. 
3. Potential Violations of Federal Law : The continued collection efforts may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), given the uncertainties surrounding the legitimacy and enforceability of the debts in question. 

Requested Actions : Immediate cessation of all collection activities related to the aforementioned student loan debt. 
Removal of related entries from my credit reports maintained by XXXX, Equifax, and XXXX. 
Provision of comprehensive documentation validating the legal basis for the debts collection and reporting. 

Should these matters not be resolved promptly and satisfactorily, I reserve the right to pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wellsfargo Bank has restricted my account. They don't allow me withdraw large cash, transfer or even make any online payments anymore. I can't even check my balance over the phone I'm restricted from my account. I can't even touch my money.

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 2025-05-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The XXXX XXXX company has been tacking on unwarranted fees on my card for over a year. Initially, I had not noticed, as I was too trusting since the account is from a reputable bank -- American Express. Ever since my card has been blocked aka restricted by the bank for reasons unknown, I have had to call them up to inquire why I can not access my funds although the funds are there. Their usual response is that it's for my " protection ''. Tbh I don't need their protection bc I only use this card to get my paycheck, I withdraw the funds as soon as the deposit comes in. Since the above-mentioned has been occurring too often, I have been reviewing my card app and to my dismay, I have noticed several unwarranted " Decline Fees ''. These are intentional fees tacked on after they deliberately put the restrictions on my card so that the transaction declines. 
I have called them up on their recorded line and inquired peacefully ( at first ) for them to fix the fraud. I have told them numerous times to fix the fraud and if they don't, which they never have, I have forewarned them that I can and will file a complaint against their financial institution for fraud. They have ignored me and taken my warnings as a bluff. I am not a happy camper, to say the least. Please sirs/madames I humbly seek your expertise in this matter, as I believe I am not the only victim in this fraudulent scheme of theirs. 
Thank you kindly for your time, support, and diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a complaint against XXXX at XXXX XXXX XXXX XXXX for inaccurately reporting a debt to the credit bureaus related to a previous apartment I was forced to vacate due to severe mold contamination. 

While residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I repeatedly reported hazardous mold growth in the unit, which posed a serious health risk. Despite multiple documented communication, the management failed to resolve the issue. The conditions in the apartment were uninhabitable, and I was left with no choice but to leave the premises for my safety and well-being. 

Now, I have discovered that this property has reported an unpaid balance to the credit bureaus, negatively impacting my credit score. This debt is unfair and should not have been reported given the landlords negligence and failure to provide a safe, livable environment as required by law. 

I am requesting the CFPBs assistance in : XXXX. Investigating this credit reporting violation ; XXXX. Having this item removed from my credit reports ; XXXX. Ensuring that the property management company is held accountable for false and damaging credit reporting practices. 

I have attached any relevant documentation, including photos of the mold, and written communication with the XXXX XXXXXXXX. 

This situation has caused me financial harm and emotional distress, and I would appreciate urgent attention to this matter. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please be advised that the vehicle associated with this loan has been sold and the loan has been paid in full. When I applied for financing for a new vehicle a new loan was offered through Capital One, I made the decision to use a different lender for financing my new vehicle. This decision was directly influenced by the repeated unfulfilled promises made by Capital One to correct the agreed-upon payment due date and remove the late fees that resulted from your internal delays and miscommunication. 

Despite consistent, on-time payments throughout the life of the loan, my account continued to reflect late fees and delinquencyerrors that Capital One repeatedly acknowledged and promised to fix, but never did. 

Given that : All payments were made on time, The original due date was never correctly updated as promised, Capital One assured me on multiple occasions that the situation would be resolved, yet at the end of the loan when I traded the vehicle in my payoff was incorrect as multiple late fees were added inappropriately. I contacted the Office of the President at Capital One via email and certified mail without response. It took MULTIPLE phone calls for Capital One to credit the payoff that was sent on XX/XX/XXXX. 

I filed a XXXX XXXX XXXX complaint which the company failed to respond to the problem citing that they would resolve through the Consumer Financial Protection Bureau. 


Refinance Process and Misrepresentation During the refinance process, Capital One assured me that my first payment would be due on XX/XX/XXXX, and that I would not owe two payments in the same month. However, this agreement was not honored, leading to incorrect due dates being applied to my account. 2. Repeated Promises of Correction Over the past year, multiple Capital One representativesincluding those in the Executive Officeassured me that the due date would be updated to XX/XX/XXXX, late fees would be removed, and my account would reflect this correction. These promises have yet to be fulfilled. 3. Unprofessional Conduct and Escalation Issues My recent attempt to resolve the issue in XX/XX/XXXX was met with unhelpful behavior from a Capital One representative. Despite assurances that the matter would be resolved promptly, I have not received any follow-up. 4. Impact on My Financial Record Despite making all payments on time, as agreed during the refinance process, my account reflects delinquency due to Capital Ones failure to update their records. This is both inaccurate and unfair, causing me unnecessary financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Coinbase, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Coinbase , Inc. for repeated failure to resolve an unjustified restriction on my account. I have complied fully with all of Coinbases identity verification requirements, including submitting a photograph of myself holding my government-issued ID and the current date, as instructed. Despite this, my account remains locked in a " system security review '' with no resolution. 
Coinbase previously assured me in writing that my case would be manually reviewed by compliance, and that restrictions would be lifted upon completion. However, after complying, Coinbase failed to honor its commitment and continues to recycle generic automated responses stating my account is still under review. 
This obstruction violates the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ), which requires financial service providers to resolve issues in a timely and transparent manner. Coinbases refusal to conduct a genuine manual review and continued delays constitute bad faith and a denial of my right to access my funds.

I have submitted a formal legal demand to Coinbase through their platform and by mail, requesting an immediate manual compliance review and lifting of restrictions. I am seeking immediate regulatory intervention to enforce my rights and compel Coinbase to resolve this matter without further delay.

Company response to consumer: Closed with explanation