vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I had overdraft fees On XX/XX/XXXX I called for the 2nd time to address said fees I am filing a complaint regarding unfair and excessive overdraft fees totaling approximately {$300.00} that were charged to my checking account in a short time period due to automated transactions posting while I was working and unable to immediately monitor my account. 

I regularly transfer funds between my business and personal accounts and have historically relied on my banks app notifications and grace behavior to correct overdrafts quickly. In this case, multiple automatic bills posted before I was alerted, resulting in six overdraft fees stacking at once. 

When I contacted the bank, I was told the fees could not be reversed due to prior courtesy waivers, even though this incident was caused by automated transaction timing and not reckless spending behavior. I was also improperly directed to technical support instead of being offered a supervisor-level review or retention adjustment I have been a long-term customer for over five years and believe this situation reflects an unfair application of automated overdraft practices without reasonable consumer protection.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I filed a Regulation E dispute with SoFi on XXXX XXXX XXXX, for {$1400.00}. The merchant has already processed a chargeback in my favor, but SoFi has refused to issue provisional credit. 

SoFi representatives have : Repeatedly refused to cite the specific section of Regulation E that would allow denial of provisional credit.

Closed chat sessions without providing resolution.

Promised phone callbacks that were never made.

Stated that credit will not be issued until the investigation is fully complete, which is inconsistent with Regulation E.

Refused to escalate my case to the compliance/escalation team or Office of the President .

SoFi has therefore failed to conduct a proper investigation, failed to provide legally required disclosures, and is withholding funds owed to me under federal law.

I am requesting that the CFPB intervene immediately to ensure that provisional credit is issued without further delay and that SoFi complies with Regulation E requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

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 Experian, XXXX XXXX XXXX  credit report on XXXX 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
b'I am XXXX XXXX, living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My Bank of America account number is XXXX XXXX XXXX XXXX. My Social Security number is XXXX. My phone is XXXX XXXX XXXXnWhat happened: In late XXXX XXXX, I was contacted by someone named XXXX XXXX  on XXXX and XXXX XXXX XXXX  about investing in crypto on XXXX. He said it was linked to XXXX XXXX. I sent about XXXX  in ETH and BTC from XXXX XXXX XXXX XXXX By XXXX XXXX, the site showed fake profits of XXXX. To "withdraw," they made me pay commission/transfer fees totaling about XXXX then a "privacy key" of XXXX. Another person, XXXX XXXX from the site, contacted me on XXXX XXXX XXXX. I sent the money via wire transfers from my Bank of America account to XXXX XXXX XXXX. I now know this was a scamI can\'t access any funds, and the site is fake.\nDates and amounts of the fraudulent transactions:\n\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Total wires: XXXX\nActions taken by me: I reported to Bank of America on XXXX XXXX XXXX  (see attached letter). I filed with IC3/FBI on XXXX XXXX XXXX (complaint details attached, transaction amount listed as XXXX including crypto). I followed up with FTC on XXXX XXXX XXXX XXXX XXXX XXXX XXXX (attached). I submitted a police report to XXXX XXXX Police on XXXX XXXX XXXX  (summary attached, no report number yet, expected acknowledgment in 30 days).\nActions by the company: Bank of America investigated but denied my refund claim on XXXX XXXX XXXX (attached denial letter). They said they tried to recover as a "courtesy" but couldn\'t, and gave scam tips. XXXX XXXX XXXX  hasn\'t responded to my FTC complaint. No one has refunded me.\nThis hurt me financiallylost over XXXX total. I want CFPB to investigate if the banks could have stopped these wires (they were large and unusual). Please make Bank of America and XXXX XXXX XXXX refund the full XXXX  and cover any fees.'

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 2025-12-03 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: AR

Complaint narrative:
My card with Direct Express has been unable to make online purchases for several days, causing me to miss out on several XXXX XXXX XXXX deals. More importantly, I have autopays that were not paid, and am unable to pay my past state taxes ( I can lose my license over this ) and several other payment plan payments which are only online. I am angry, and thoroughly disappointed in the customer service I received. I had to wait over 20 minutes even after I was able to get past the auto-hangup when calling in. Then I was informed by the less than energetic support person that it was a fraud prevention on MasterCard 's side and there was nothing that could be done. I was advised to " make a small purchase in person with the card, and that should reactivate it. '' IT DID NOT! 
I drove 3 miles to a XXXX, and the card worked in person for both a small and a large purchase, however when I tried to pay my bills ( which I have done multiple times, always on the 1st or 3rd of the month ) I still get the message that my card is declined and to contact my financial institution again. 
I called the MasterCard support line, and they connected me to the Direct Express phone system ... and autohang up activated again! 
I am currently on hold with their phone system again after 7 attempts to get through. I have been on hold for 25 minutes already. What kind of clown show are they running over there?!

Update : 32 minutes in and I got a representative, but was told " oh sometimes it doesn't work on some sites online. '' Not good enough. It has ALWAYS worked up to this time. I was transferred to the dispute dept. and nothing changed. It seems impossible that a banking establishment can not remove blocks on a card they issued. Yet here we are. 
I need this fixed and even jumping through hoops doesn't seem to be enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was told by several representatives that I would be able to receive my pension that I received on XX/XX/XXXX providing I called when check posted on XX/XX/XXXX and requested an adjusted. I did just that.On XX/XX/XXXX between noon and XXXX, I called and requested this adjusted ; however the lady that I spoke with did not make the adjustment as she told me she had done and she not leave any notes that she spoke to me. For these reasons, I was unable to received my pension and I was told on XXXX that check was return. This very, very disappointing to me because I did everything right. My phone number is XXXX so if you are able to check the records to see that in fact did call, you will know how upset I was to hear that my check had been returned. 

Mine you Wells Fargo my teacher check of {$3000.00} accusing me of fraud because someone make a complaint without any conversation from me. 

So this is a total of {$5000.00} dollars that Wells Fargo has stopped me from getting. This has had an extremely emotional and financial breakdown for me and my family.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: FL

Complaint narrative:
Today Cash is charging me 697.08 %, on a loan of XXXX I attempted to email them to set up a payment plan or to settle for a more affordable plan and I have not received anything. This interest rate is illegal in my state due to usury laws in Florida. I would hope that Today cash could offer me a payment plan that is affordable or to close my account and forgive the loan due to illegal interest rates. I have a company XXXX XXXX XXXX harassing me that they stated they bought the debt but Today Cash never reached out to let me know of this or anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to ABILITY RECOVERY SERVICE. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect ABILITY RECOVERY SERVICE to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to ABILITY RECOVERY SERVICE.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I reviewed my Equifax credit report on XX/XX/year> and found multiple accounts reporting inaccurate, incomplete, or unverifiable information. The following furnishers appear to have violated my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These furnishers reported information that does not meet the maximum possible accuracy standard required under XXXX USC XXXX ( b ). 

Under XXXX USC XXXX ( a ) ( XXXX ), when information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or correct that information and notify the furnisher. That did not happen. 

Under XXXX USC XXXX, furnishers may not provide information to a credit bureau if they know or have reasonable cause to believe the information is inaccurate. These accounts continue to appear on my report despite not meeting FCRA accuracy requirements. 

This situation violates my rights to accuracy, privacy, and proper handling of my personal information. 

I consent to publication of this description on consumerfinance.gov after the CFPB removes my personal information.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation