vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I was told year of 2021 that if anything was to happened it would be cleared & I would not be at fault due to it not being me driving & also due to them never coming to pick up vehicle but pitchers was sent to them of vehicle totaled & not in my possession when happened. Car was stolen & I tried to get my belongings with work equipment inside my vehicle but couldnt do to west lake financial never responding to me or tow company or picking vechile up for me to get my personal belongings from vehicle but sold my information & have people sending a bunch of letters from collections/ collectors about vehicle.

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo denied my debit card fraud claim for two XXXX XXXX transactions totaling {$3400.00}. The claim was made on XX/XX/year> and closed on XX/XX/year> The transactions were induced by a scam and misrepresentation. I did not receive any goods or services, and the recipient was fraudulent. 

Wells Fargo classified the transactions as authorized XXXX XXXX transfers and denied the claim without properly considering scam-induced authorization under Regulation E. 

I reported the fraud the same day, filed a police report, and requested review as fraud/scam, not charged wrong amount. 

I am requesting a full reconsideration under Regulation E and proper dispute classification.

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 2025-12-25 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: NJ

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate and unverified items appearing on my credit report. Despite previous disputes, these errors continue to be reported without proper investigation, in violation of federal consumer protection laws. 

Address XXXX XXXX XXXXXXXX, CT XXXX I have no knowledge of this address and have never resided there. Its continued association with my file is inaccurate and misleading. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) Demand : XXXX deletion of this address. 

Address XXXX XXXX XXXX, XXXX, CT XXXX I dispute this address as inaccurate and unverified. Continued reporting violates accuracy standards. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) Demand : Delete this address immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment Reported ) The late payment history on this account is inaccurate and has not been properly verified despite prior disputes. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) Demand : Correct the inaccurate late payment history. 

XXXX XXXX XXXX Account XXXX ( Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Late Payment Reported ) This account contains inaccurate payment history and remains unverified. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) Demand : Update or fully correct this account. 

XXXX XXXX XXXX Account XXXX * ( Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Late Payment Reported ) The reported late payment information is inaccurate and unsupported by proper documentation. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) Demand : XXXX correction or update. 

I request that the CFPB require a lawful investigation and immediate deletion or correction of all unverifiable and inaccurate information, as continued reporting has caused credit damage and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NJ

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate and unverified items appearing on my credit report. Despite previous disputes, these errors continue to be reported without proper investigation, in violation of federal consumer protection laws. 

Address XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge of this address and have never resided there. Its continued association with my file is inaccurate and misleading. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) Demand : XXXX deletion of this address. 

Address XXXX XXXX, XXXX XXXX, CT XXXX This address does not belong to me and has no connection to my identity or credit history. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) Demand : Permanent removal of this address. 

XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | Balance : {$42000.00} | Late Payment Reported ) This late payment reporting is disputed as inaccurate and misleading. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( b ) Demand : XXXX correction of the inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Collection Account ) I have no knowledge of this alleged collection and no verified obligation has been provided. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) Demand : XXXX deletion of this collection. 

XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Collection Account ) This collection is inaccurate, unvalidated, and unlawfully reported. 
XXXX XXXX : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) Demand : Permanent deletion of this account. 

I request that the CFPB require a lawful investigation and immediate deletion or correction of all unverifiable and inaccurate information, as continued reporting has caused credit damage and financial harm.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate personal identifying information appearing on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

The following information is inaccurate, outdated, or does not belong to me and should be removed immediately : Incorrect / outdated addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XX/XX/XXXX Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have never resided at or authorized the reporting of the above address ( es ) and phone number ( s ), or they are no longer current and should not be associated with my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: NJ

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate and unverified items appearing on my credit report. Despite previous disputes, these errors continue to be reported without proper investigation, in violation of federal consumer protection laws. 

Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I dispute this address as inaccurate and unverified. Continued reporting violates accuracy standards.

Applicable Law : FCRA 1681e ( b ), 1681i ( a ) Demand : Delete this address immediately. 

XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment Reported ) The late payment history on this account is inaccurate and has not been properly verified despite prior disputes.

Applicable Law : FCRA 1681e ( b ), 1681i ( a ) ( 5 ) Demand : Correct the inaccurate late payment history. 

XXXX XXXX  Account XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX | Balance : {$42000.00} | Late Payment Reported ) This late payment reporting is disputed as inaccurate and misleading. 
Applicable Law : FCRA 1681e ( b ), 1681s-2 ( b ) Demand : Immediate correction of the inaccurate information. 

I request that the CFPB require a lawful investigation and immediate deletion or correction of all unverifiable and inaccurate information, as continued reporting has caused credit damage and financial harm.

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Issue : Funds transfer limitation / unexplained account restriction Complaint Narrative : I am filing a complaint regarding an unexplained and ongoing restriction placed on my XXXX  account that limits my ability to transfer more than {$40.00} to my XXXX balance. 
This restriction has been in place for nearly XXXX weeks. I have contacted XXXX  customer support multiple times seeking an explanation and a timeline for resolution. XXXX  representatives have repeatedly stated only that the system is doing this and that they do not know why the restriction exists or when it will be lifted. 
The restriction began immediately after I replaced my physical mobile phone. My phone number was fully ported to the new device, and my XXXX  account credentials, identity, and usage history remain unchanged. XXXX support has stated that the device change is not related, yet they have provided no alternative explanation. 
I have been a XXXX customer for over XXXX  years and a XXXX customer since XXXX. I have never engaged in fraudulent activity, suspicious transactions, or policy violations. XXXX  has not alleged fraud, requested additional verification, or identified any action I can take to resolve the issue. 
XXXX failure to provide a clear explanation or a reasonable timeline for restoring access to my funds has effectively restricted my ability to use my account without due transparency. I believe this violates consumer protection expectations under the XXXX XXXX Transfer Act and related regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was approved for a Chase XXXX XXXX credit card on XX/XX/year>, with a credit limit of {$25000.00}. The account was closed by Chase on XX/XX/year>, approximately XXXX week later. 

At the time the account was closed, no payment was due, and there were no late payments, missed payments, or negative activity on this account. There was no change in my credit profile between the approval date and the closure date. 

Chase stated that the closure was related to dispute activity. However, the disputes referenced occurred several months prior and were associated with a different Chase credit card account, not the XXXX XXXX credit card that was approved and subsequently closed. Those disputes arose because I was not receiving refunds for legitimate transactions, requiring me to exercise my right as a consumer to file disputes. The disputes and resulting account history were already present and visible to Chase at the time this account was approved. 

That prior account was later closed by Chase without advance warning based on dispute volume, which unfairly and significantly impacted my credit profile. I attempted to raise concerns regarding that closure through appropriate channels, but the matter was not resolved. Since that time, I have taken steps to rebuild my credit, including maintaining responsible account behavior, improving my credit score ( which has improved significantly ), and establishing positive credit relationships with other financial institutions. 

No new disputes, late payments, or negative activity occurred on the Chase XXXX XXXX credit card during the time it was open. Because the stated reason for closure predated the approval and did not involve this account, I am concerned that the current credit bureau reporting inaccurately suggests adverse consumer behavior that did not occur and compounds prior harm unrelated to this accounts actual history. 

I am requesting a formal review and correction of how this account is reported to the credit bureaus to ensure it accurately reflects the accounts actual usage and payment history and does not negatively impact my credit profile based on activity that did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
While I was XXXX  I called chime to report fraud XX/XX/XXXX also in XXXX of XXXX also in XXXX XXXX and XXXX of XXXX I could get know help because some changed all my information on my online account so chime would not speak with me because I did not not know the information that was on my account my name dob and ss # remained the same but chime will not allow you to access the account with out know the number on the account or the email which was changed even XXXX they put restrictions on the account the person or persons would just re open it I was told my claim was no good because I could not access a phone or email to report back or send needed documents after being XXXX XXXX XXXX on XX/XX/XXXX I called chime to report this again i was told i needed my id in to send a picture of myself at that time i did not have id but my federal id which chime would not take on XX/XX/XXXX I got my ID in the mail in put in a claim send in my XXXX  papers to prove that i was XXXX  after getting access to my bank account i could see that over XXXX dollars was stolen from there ATM, transfers, XXXX XXXX and also used to buy items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest is inaccurately reporting a delinquency on an auto loan that was paid in full in XX/XX/XXXX. Their own account records show the account marked Paid in Full on XX/XX/XXXX. Months later, Bridgecrest internally reversed the payoff due to a refund check they claim was issued for a monthly payment. 

I was never notified that the payoff had been reversed, that a balance remained, or that any payment was due. For more than XXXX years, I received no billing statements, notices, or communication indicating an outstanding balance. In late XXXX, Bridgecrest suddenly assessed late fees and began reporting a XXXX day delinquency. 

Bridgecrest has acknowledged that the payoff amount itself was correct and that the discrepancy resulted from their own refund/payoff handling. Despite this, they refused to remove the delinquency, gave me the run around for weeks, and now placing me at risk of a XXXX late mark. 

I am paying the balance under protest to avoid further credit damage. I believe Bridgecrest failed to provide proper notice, engaged in unfair servicing practices, and furnished inaccurate or misleading credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am disputing a {$1200.00} charge related to airfare purchased through XXXX XXXX  ( XXXX ). 

In XX/XX/year>, before the first flight date, I explicitly asked the merchant whether I could cancel the first flight while retaining the return flight. The merchant responded but failed to disclose that missing or cancelling the first flight would automatically cancel the return segment. 

Relying on the incomplete information provided, I kept the ticket unchanged as I intended to use the return flight. I later learnedmonths afterward and only upon my own inquirythat the entire itinerary, including the return flight, had already been canceled without my knowledge. As a result, the travel service I paid for could not be used as intended due to the merchants failure to disclose the cancellation consequence. 

I disputed the charge with American Express on the basis of merchant misrepresentation by omission and services not rendered. The dispute was denied, and the charge was rebilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: KY

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint against Citibank , N.A . for improperly denying a valid debit card chargeback in violation of Mastercard network rules and consumer-protection obligations. 
Merchant : XXXX Amount : {$470.00} Debit Card : Citibank Mastercard ending XXXX Case ID : XXXX Summary of the issue : XXXX debited my Citibank Mastercard debit card for {$470.00}. The merchandise was defective, and XXXX approved a full refund and instructed me not to return the items. Despite this approval, no refund was ever credited back to my debit card. 
XXXX representment admits the refund was not returned to my Mastercard account and instead claims it was issued as a third-party XXXX balance credit. I never agreed to XXXX terms and conditions, never signed or accepted any XXXX refund policy. 

Citibank relied on this representment and denied my chargeback, despite clear violations of Mastercard rules : Mastercard Rules 4.12.1 and 4.12.2 require refunds to be credited to the original form of payment. 
Mastercard Chargeback Reason Code 4855 ( Credit Not Processed ) applies because no refund was received on my debit card. 
Third-party credits or internal balances do not satisfy Mastercard refund requirements. 
Citibank failed to enforce Mastercard network rules, improperly shifted the burden to the consumer, and allowed the merchant to substitute a non-consensual third-party credit in place of a debit card refund. 

Supporting documentation is attached, including XXXX refund confirmation, XXXX screenshots showing no refund, and Citibank account records showing no credit received.

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase on XX/XX/year> to downgrade my Chase preferred card to a card that has no annual fee at that time. I had about XXXX reward points before downgrading when I downgraded the card. I asked that a representative that I want to transfer my points and I asked her multiple times what I keep my reward points and she answered yes and I asked to transfer to another card that I have on file before the agent downgraded the card. I called Chase and they said that they can not get my points back to me because the card that I have right now is not eligible for reward points while I asked her before doing anything to transfer them to a card that I have right now Existing and is eligible for reward points. Chase is not helping with this and theyre telling me that I can not get my points back. Turn accumulated balance is valued for a lot of money and the agent right now is telling me that they open the case to listen to the conversation with the person that helped me downgrade the card. Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
Even though the balance was paid off, the account is still being reported with late payments ; this is misleading and must be corrected.

Company response to consumer: Closed with non-monetary relief