vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Between XX/XX/year> and now, Chase Bank has closed my checking account three separate times without proper explanation or notice. Each time I contacted Chase by phone, I was transferred between multiple representatives but was never given a clear or consistent answer. 

In XX/XX/year>, when I attempted to close the account myself and withdraw my funds, Chase refused to release the money. They stated I needed to verify a payroll check I had deposited from my employer, XXXX. I provided all requested information to confirm the checks validity, including employment verification details, but Chase rejected this and refused to provide an alternative method ( such as an official form or email verification ). 

As a result, I have been denied access to my own funds from XX/XX/year> through the present. This has caused financial hardship and appears to be unfair banking practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/year>, XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
XXXX XXXX. Phone number XXXX. I was told that only the SAVE plans would be placed into administrative forbearance. I am not on that plan. I was still placed in administrative forbearance without requesting, and I was never informed of the change. The representative confirmed that she did not see any communication informing me that this was being done. I am on auto-pay, and I did not even know that they made this forbearance change and didnt charge my card, and I am now several months behind on XXXX. I work full time as a prosecutor and am now not receiving credit for these last several months. I have a new baby and was hoping to be able to be her main caretaker and will be robbed of several months. My only option will be the buyback program, and the processing time for that makes it completely useless for me. I will have served my 120 months in public service and will not be granted forgiveness because of this mistake on Mohelas part. Had they notified me, I would have immediately asked to be taken off forbearance to continue receiving credit. This has completely changed my lifes plans after serving my community as a prosecutor. So sad.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XX/XX/year>, I was searching for an apartment to rent in XXXX  XXXX  XXXX and found a listing on XXXX posted by an individual identifying himself as XXXX XXXX ( email : XXXX ). XXXX XXXX represented to me that he was subleasing the apartment with his landlords consent and provided me with what he claimed to be his landlords bank account details at Wells Fargo Bank for purposes of making the rental payment. 
Prior to transferring the funds, I contacted my bank XXXX XXXX XXXX XXXXXXXX ) to confirm whether I would be able to recover the funds in the event the transaction turned out to be fraudulent. The XXXX  XXXX XXXX representative assured me over the phone that I would be able to get the money back. Relying on this representation, I proceeded to transfer the rental payment to the Wells Fargo account provided by XXXX XXXX. 
The next day, upon arriving at the premises that XXXX XXXX represented as available for rent, I discovered that the entire arrangement was fraudulent. XXXX XXXX was not present, had no legal authority to lease or sublease the apartment, and ceased all communication with me ( i.e., he ghosted me ). 
As a result, I suffered financial loss and was the victim of a fraudulent rental scheme. 
I called XXXX  XXXX XXXX, and they said the transfer is completed and there is nothing they can do about it. So I was not able to do anything except wait for up to 90 calendar days.

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 2025-08-29 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: SC

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-08-29 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: GA

Complaint narrative:
I am concerned about a possible mistake involving a late payment on my report. Please address this quickly, as Ive consistently paid on time.

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 2025-08-29 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: CA

Complaint narrative:
On [ XXXX XXXX ], I filed stop payment orders with Wells Fargo to block further multiple ACH debits including : XXXX XXXX XXXX XXXX XXXXXXXX. Despite my stop payment requests, Wells Fargo allowed these ACH debits to process, which overdrafted my account. 

The transactions that posted after my stop payment requests were : XXXX : {$270.00} XXXX XXXX : {$510.00} XXXX : {$60.00} Under Regulation E ( 12 CFR 1005.10 ( c ) ) and NACHA ACH rules, a consumer may revoke authorization for preauthorized electronic fund transfers by notifying their financial institution orally or in writing at least three business days before the transfer. I did so with Wells Fargo, but they still permitted these debits to go through. 

Wells Fargo representatives told me that I had to notify the merchant directly to stop the payments, but that is incorrect under Regulation XXXX Once I notified Wells Fargo XXXX they were legally obligated to honor the stop payment and block further debits. Because the bank failed to enforce my stop payment order, these transactions are unauthorized. 

I am requesting that Wells Fargo : XXXX. Reimburse me for the unauthorized ACH debits ( {$270.00}, {$510.00}, and {$60.00} ). 
XXXX. Reverse all overdraft fees tied to these debits. 
XXXX. Ensure that these merchants can not debit my account going forward. 

This is not a dispute about whether I owe the merchants money ; it is about Wells Fargos failure to honor my stop payment request and protect my account as required by law.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
I checked my credit report recently and seen the report for Credit Control Services for the company XXXX XXXX  XXXX XXXX XXXX but i never had any dealings with XXXX and i did not authorize anything with this company at anytime so I am unsure why there is a report for them on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My wallet and phone were stolen from my car I filed a police report, contacted my bank and called PayPal after seeing an unauthorized charged to make a claim with them XXXX XXXX XX/XX/year>. Payment. Refunded XXXX XXXX  This purchase was refunded on XX/XX/year>. View refund Paid with XXXX XXXX XXXXXXXX XXXX XXXX You'll see " PAYPAL XXXX XXXX '' on your card statement. 
Exchange rate {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} EUR {$410.00} Transaction ID XXXX PayPal says its refunded, but its not they only returned {$34.00} out of the {$410.00}. 

Also PayPal is denying that I made a claim with them which absolute nonsense because I called them and spoke to three different people there when this originally happened each time providing them with my phone number, email and transaction ID. I had to repeat myself 3 times, verify myself and tell them about the situation I was dealing with with my wallet being stolen and this unauthorized transaction. I kept checking online and messaging PayPal through their help app, which sends me to their resolution center which says my claims been closed and refunded yet I only received {$34.00} back from this fraudulent transaction on my account. 

Now when I contact PayPal again to see what is going on they tell me I filed with my bank so now they arent liable for the fraud on my account. 

Please I need help my entire life was taken from me and Im trying to pick up pieces, I just want my money back and a secure account online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ 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 2025-08-29 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank for wrongfully denying my fraud claim based on a XXXX timeline, despite the fraudulent charges being impossible to detect sooner. 
Unauthorized charges have been appearing on my Chase account ending in XXXX for several months. I discovered the fraud on XX/XX/year>, and reported it to Chase immediately that same day. 
The representative I spoke with cited a XXXX liability policy and then hung up on me, refusing to process my claim. I have been unable to get past this point. 
The reason I could not detect the fraud within XXXX  days is that the thief made charges at normal, everyday businesses I use frequently, specifically gas stations like XXXX and XXXX and grocery stores like XXXX. The charges were for small, routine amounts that blended in seamlessly with my legitimate transactions. I had no reason to suspect my card had been skimmed and my PIN stolen. 
I believe Chase is violating my rights under Regulation E by not conducting a proper investigation into these clearly fraudulent transactions. The bank 's failure to investigate and its reliance on a strict XXXX rule without considering the specific facts of my case is unfair and abusive. 
I am requesting that the CFPB ensure Chase : XXXX. Conducts a full and complete investigation. 
XXXX. Provides me with provisional credit for the full disputed amount immediately. 
XXXX. Reverses its denial and makes the provisional credit permanent. 
Thank you for your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
A CHASE checking account was opened in my name and a debit card was mailed to my address. I went into the bank to report this issue and requested that the bank provide me a proof of the identification used to open the account. 

They did not provide it to me and only called their fraud department to close the account. 

I believe Chase bank is opening account without peoples consent. 
There was no transaction in the account and the card was mailed to my address which makes me believe it was Chase banks doing a not a random scammer. 

Also, this was a checking account and not a credit card.

Company response to consumer: Closed with explanation