vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against Bank of America regarding the closure of my deposit account and the banks refusal to place a stop-payment or reissue a cashiers check representing my remaining balance. The bank has repeatedly advised me that I must wait up to 120 days, which is creating significant financial hardship. 

Background I have been a Bank of America customer for approximately 27 years. 
Bank of America closed my account unexpectedly and without advance written explanation. 
On or about XX/XX/year>, the bank stated they mailed a check containing the remaining balance of my account through USPS. 
As of today, I have not received this check. 
I have contacted Bank of America multiple times requesting a stop-payment and reissue of the check. 

Issues Despite multiple calls and requests : Bank of America refuses to stop payment on the original check, They refuse to reissue a new check immediately, They refuse to allow me to sign an affidavit of indemnity or lost check form, They insist I must wait up to 120 days or until the check is returned before funds can be released again.

This delay is unreasonable and causes hardship, especially considering Bank of America initiated the account closure and chose to send the balance via standard USPS mail without tracking. I am not responsible for USPS delivery failures or delays. 

Hardship These funds are necessary for basic living expenses and withholding them for up to 120 days places me under severe financial strain. I have expressed this multiple times to the bank and no accommodation has been offered, despite the fact that I have held this account with Bank of America for 27 years with no prior issues. 

Requested Resolution I respectfully request the CFPB require Bank of America to : Place a stop-payment on the original check, Allow me to complete a lost check affidavit, Immediately reissue a check or release funds by alternative means ( branch pickup, cashiers check, ACH, or wire transfer ), Provide written confirmation of the account closure and funds distribution.

Documentation I am willing to provide call logs, dates of calls, reference numbers, and any additional information requested.

Conclusion Bank of America should not be permitted to indefinitely withhold consumer funds. I am requesting immediate assistance to resolve this matter as soon as possible. 



Thank you for your attention. 



Respectfully, XXXX XXXX XXXX XXXX XXXX, Florida Phone : XXXX Bank of America Customer ( 27 years )

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 2025-12-08 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

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 4 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 30 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.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear sir I have written many Complaint against this Bank of America and Who handles my Fund Transfer his phone number is XXXX But only Hooking money from me not doing Transfer Successful Every time asking fee paying then Again asking fee its Terribly for me to pay this Now Already spent on this Transfer process {$100000.00} XXXX still asking fee again for what purpose Don't know not give proper answer to me only asking money I have paid all Important Clearence fee and Transfer charges Recently paid fee for Court Clearence and IMF Clearence fee also This IMF Clearence fee multiple times paid already But Now again this Bank of America has person XXXX XXXX XXXX Asking fee of {$250.00} and after only Transfer doing, this fee for what purpose didn't inform me Please check this matter and take action against him and his Bank of America How long I am writing to your board Please check this matter serious and Release my Transfer to my account Awaiting your favorable reply Thanks

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA is a debt collector. They are falsely reporting on my credit!! Account number is 11656 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MS

Complaint narrative:
I checked my credit report again for the first time in 3 years on XX/XX/year>. I saw accounts on my credit report that are not mine still. I have requested these accounts to be blocked and deleted from my credit report and asked results of the investigation. However no information has been provided to me. These companies have in fact violated parts of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MS

Complaint narrative:
I checked my credit report again for the first time in 3 years on XX/XX/year>. I saw accounts on my credit report that are not mine still. I have requested these accounts to be blocked and deleted from my credit report and asked results of the investigation. However no information has been provided to me. These companies have in fact violated parts of the FCRA

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
CFPB Complaint Draft XXXX XXXX XXXX XXXXXXXX ) Issue Type : Auto Loan & Warranty Defective Vehicle, Unusable Vehicle, Continued Payments Complaint Summary : I purchased a vehicle from XXXX that has had major mechanical failures starting within the first week of ownership. XXXX and their warranty company XXXX have failed to resolve the repeated failures, leaving me without a functioning vehicle for extended periods while I continue to be obligated to make loan payments. 

Details : Within the first week of ownership, the vehicle required a new starter Shortly after, it required a full transmission replacement The vehicle then required a second transmission It has also required two batteries and an additional starter The car has been unavailable for use : XX/XX/year> XXXX weeks XX/XX/year> to XX/XX/year> XX/XX/year> to present ( ongoing ) I have been unable to use the car for substantial periods, yet I am still required to make monthly loan payments XXXX represented that the vehicle passed a XXXX inspection, but based on the failures, this appears to be false or misrepresented I have contacted XXXX and XXXX repeatedly, but no solution has been provided The vehicle is unsafe, unreliable, and unfit for use, which constitutes breach of warranty and consumer misrepresentation What I want : A full refund of the vehicle purchase price Reimbursement of monthly payments I was required to make while the vehicle was unusable Compensation for loss of use Reimbursement of any out-of-pocket expenses incurred Resolution without further delay Desired Outcome : I want the loan canceled/refunded, and my payments refunded since the car has been unusable the majority of the time I have owned it. I want the CFPB to review XXXX sales practices and XXXX warranty practices, as they appear to be failing to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XXXX, I contacted my credit card company ( Chase ) to ask for help changing the return location on my XXXX XXXX XXXX reservation because my XXXX XXXX flight departing XXXX was delayed and I was no longer going to make my connecting flight. Chase attempted to call XXXX on my behalf, but the XXXX desk was closed. Chase then gave me the number for the XXXX XXXX desk so I could try again. 

Due to the airline delay, I contacted XXXX XXXX and was rebooked on a flight out of XXXX instead of XXXX in order to get home the same night. This was not a voluntary airport XXXX was necessary because the delay meant I could not make my scheduled itinerary, and I needed to be home for responsibilities that night and work the next morning. 

When I returned the rental car to the XXXX airport later that evening, XXXX automatically charged me an {$830.00} drop fee to my Chase credit card. At the XXXX counter, XXXX refused to help, refused to waive or reduce the fee, and told me I needed to contact the XXXX XXXX desk. When I called XXXX, they told me I needed to take it up with Chase since the reservation was made through the Chase travel portal. 

On XXXX, I contacted Chase to dispute the charge. I spoke with multiple departments, including XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Chase refused to open a billing dispute or assist in any way. A claims representative told me the fee was my choice because I flew out of a different airport, even though the airline delay forced the change. Chase stated they could not help and would not file a dispute under the Fair Credit Billing Act. 

I am requesting assistance because ( XXXX ) I was charged a large and unreasonable fee under circumstances outside my control, ( XXXX ) XXXX refused to help or provide any accommodation, and ( XXXX ) Chase refused to process a billing dispute despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MS

Complaint narrative:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-08 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: MS

Complaint narrative:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am disputing the accuracy, validity, and origination of an auto loan reported by JPMorgan Chase Bank involving a XXXX XXXX XXXX ( XXXX : XXXX ). I purchased the vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

1. Misrepresentation by dealership regarding Chases requirements The finance manager told me : Chase requires a {$10000.00} down payment to approve your loan.

This was false.

When I contacted Chase, they did not confirm any such requirement. They only sent me a simple financial statement showing payment terms. 

XXXX. XXXX assignment to Chase appears on the title months BEFORE I purchased the vehicle I obtained a certified copy of the title history from the Illinois Secretary of State. 
Shockingly, the title shows a new XXXX  assignment to Chase on or around XX/XX/XXXX, even though : I had not purchased the vehicle, I had not applied for financing, No retail installment contract existed. 
I am asking Chase to explain how their XXXX was submitted before the transaction ever existed. 
3. Unclear whether Chase actually funded the dealership I asked Chase for : funding proof, the underwriting file, contract submission date, dealer communications, down-payment requirement documentation, lien application details.

Chase has not provided these documents.

4. Serious title transfer issues by dealership The title and POA documents show : A Power of Attorney dated XX/XX/XXXX naming the dealership as transferee, The dealership employee signed the title as both seller AND buyer on that date, The dealership never titled the vehicle in its name ( title jumping ), A XXXX  to Chase appears in XXXX while the dealer still possessed the vehicle. 
5. Vehicle classification issues The Illinois Title lists the vehicle as NEW, yet the dealership sold it to me as USED, which affects finance disclosures and pricing. 

6. Odometer discrepancy Title mileage ( XX/XX/XXXX ) : XXXX Odometer disclosure at sale ( XX/XX/XXXX ) : XXXX This was marked as Actual, despite the discrepancy.

Summary I believe the loan may not have been properly originated or funded, the XXXX  may not have been validly perfected, and the down-payment requirement may have been fabricated by the dealership. Chase may be reporting an inaccurately originated account.

I am requesting a full investigation, complete validation, and correction of the account if validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because TransUnion is reporting a XXXX XXXX hard inquiry dated XX/XX/year> without providing any written explanation or documentation showing that the inquiry was made under a valid permissible purpose as required by federal law. I have requested verification, yet the inquiry remains on my credit file without justification. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, access to a consumer credit report is only permitted for specific legally defined purposes. TransUnion is also required under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to ensure maximum accuracy of the information they publish. Reporting an inquiry without verifying legal authorization fails that requirement. Hard inquiries impact a consumers credit profile and have real consequences. They influence approvals, interest rates, and financial standing. Allowing inquiries to remain without proof of lawful purpose is not acceptable. I am requesting enforcement assistance to require TransUnion to either produce documentation proving lawful access or delete the inquiry immediately. My credit file should not contain unverified inquiries, and I expect compliance with the 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 non-monetary relief
Consumer complaint received 2025-12-08 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: OR

Complaint narrative:
On XX/XX/year> I noticed a transaction ( s ) on my Wells Fargo Bank Account totaling XXXX that I did not authorize. The transaction was still pending when I called Wells Fargo on XX/XX/year>. A Wells Fargo representative informed me that transaction was completed using Bill Pay. I have never enrolled in Bill Pay and have never used Bill Pay. Subsequently, I received a letter from Wells Fargo dated XX/XX/year> stating my " claim has been denied, '' and to consider my claim closed. The letter went on to state that I could request copies of the documents they used to make this decision Monday through Friday XXXX to XXXX Eastern Time. 
On Monday XX/XX/year> I called Wells Fargo to request documents of the investigation that resulted in my claim being denied. This was the first Monday after I received the letter of denial. The Wells Fargo representative said it could take a month to get these documents to me. 
On XX/XX/year> the same day that I filed the complaint Wells Fargo closed the original account and opened a new account to prevent further fraud. XX/XX/year> I filed a police report regarding the matter.

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 2025-12-08 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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