vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am dealing with some credit card fraud with Bank of America where someone used my credit card to buy {$1600.00} worth of XXXX XXXX tickets on XX/XX/year>. I appealed it once through the Bank of America app and it was denied. I then went to the bank and spoke with a gentleman and one of his colleagues and they informed me that submitting a fraud claim in person would yeild a more favorable result. I just got mail that said my second claim was denied. They provided some screenshots from the website where my name, address and phone number was provided along with a fake email ( that beared my name ) used by the fraudster. They also used some sort of IP address test and it showed that the IP address was not risky and its location was actually from XXXX XXXX XXXXXXXX. I want to continue to pursue getting this charge erased from my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry XXXX, XXXX  Date of Inquiry 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX my account was charged but it declined the transactions and cash app still put my account in the negative Cash app put my account in the negative when they said their was 2 transactions on certain dates that is why my account was negative when I look at the transactions they was declined for payment meaning that no payment went through so cash app still put my account in the negative and I address this to them showing them screenshots of the transactions and they said they would put a claim in to take care of the issue and never did its been months since I've been addressing this issue and they keep saying they will put another claim and fix it and it never gets taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I conducted multiple transactions through my XXXX account, which were authorized and intended to be for specific amounts. The transactions included three separate requests for {$300.00} each and one for {$100.00}, totaling approximately {$930.00}. However, I only received a fraction of these fundsspecifically, only {$20.00} was transferred from each of the three {$300.00} transactions, {$20.00} from the {$100.00} transaction, and {$20.00} from a separate {$100.00} request I made at a different store. This means I am owed a total of roughly {$930.00}, but I have only received {$80.00}. 
Since then, I have repeatedly contacted XXXX support to dispute these transactions, as I did not receive the full amounts owed. The company initially opened a dispute case but then denied my claims without properly reviewing the evidence I submitted. Despite multiple appeals, the case remains unresolved, and my requests for corrections and refunds have been ignored or improperly handled. The companys responses have been vague and dismissive, claiming the case is " under investigation '' without providing any clear resolution or timeline. 
This ongoing issue has caused me severe hardship. I have been homeless for days, sleeping on the streets, with no reliable access to food, shelter, or medical care. I am in a state of desperation, and the missing funds are critical to my survival. The stress of this unresolved dispute has worsened my health, and I am struggling to stay alive without the money that was rightfully mine. 
I am requesting that the company promptly resolve this dispute by correcting the classifications of the transactions, providing provisional credits while they continue their investigation, and refunding the full amount owedapproximately {$930.00}. I am also asking for their urgent attention to my case because my situation is dire, and I can not wait indefinitely for a resolution. 
This case exemplifies a significant failure to protect consumers from financial loss and mishandling of disputes. I request the CFPB to intervene and ensure that the company addresses these issues promptly and fairly, providing the relief I desperately need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted.I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.If you have any questions or need additional information, please contact me at the address below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Our mortgage is currently serviced by PNC bank. For at least three years, we have paid 2-3 payments a month, and now owe less than $ XXXX on our loan. Two payments have been automatically scheduled every month : one ( {$1700.00} ) to cover our monthly payment and second that is almost as large as the monthly payment ( {$1600.00} ) that went towards principal. Then, sporadically, we make additional payments as our resources allow. These are not automatically scheduled, but are paid manually as our income fluctuates. 

Well, back in XXXX, we had a tight month. At least tight for us. We didn't have enough money to pay our second payment. So my wife called and asked the bank to stop the second payment from going through. We were told that they could not do that, but that the bank could refund our first monthly payment. So she asked them to do that. 

The bank then slapped us for not paying XXXX fully because we were now {$81.00} " short. '' Then on XX/XX/XXXX, the bank took out {$1700.00} for our XXXX payment. But then, for unexplained reasons, on XXXX they REVERSED that payment, only to take out XXXX {$1700.00} on XXXX. Then on XX/XX/XXXX, they took our our second payment but for the first time did NOT apply it towards the principal. There was actually a stop on our payment because -- -supposedly -- -they were unclear of how we wanted the payment allocated ( even though we had been paying these extra payments in the exact same way for three years ). 

We were not informed about the non-principal payment until XXXX, at which point I called and complained. PNC had created a new web interface, one that made it impossible to set up a second automatic payment. After spending several hours on the phone, I was told that the only way to make additional payments was to either ( a ) do so manually every month, or ( b ) set up an automatic payment near the first of the month that is simply more than our mortgage. I chose the later option, and set up a monthly payment for {$3400.00} each month. The bank took out that amount on XXXX, but then on XX/XX/XXXX reversed the payment AGAIN! Now they have charged me a late fee for not paying my account on time. 

It's really difficult to not feel as if PNC is intentionally making it difficult to pay off our loan early. Their new web interface has made everything more difficult. And their customer service was incredibly unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My robinhood credit card was charged {$32.00} on XX/XX/XXXX. I contacted the company and they claimed I did not pay off the balance {$2400.00} on time. The new balance was just closed and has a due date on XX/XX/year>. Why am I charged for balance not due yet. Also, statement closure is not equal to due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I made a payment of XXXX dollars then they charged me interest. i paid XXXX dollars on XX/XX/XXXX it is now the XXXX I have received no credit been charged more interest. when i called to complain about it. they removed my access to the account so i cant take pictures and my ability to view any of my transactions as retaliation against me for demanding my interest be refunded under the consumer credit act regulation z on a recorded line they refused to refund any of the interest or release the funds and then removed my access to the account all together on XX/XX/year>. this is predatory and retalitory and all i wanted was my funds to be released. even in there OWN TERMS AND CONDITIONS IT SAYS 4 TO 10 days. its 10 days today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I went to a Wells Fargo branch to cash two payroll checks issued by my employer. I presented valid identification and fully cooperated with the transaction. 
Despite the checks being legitimate payroll checks, Wells Fargo employees subjected me to excessive and discriminatory scrutiny lasting approximately 20 minutes. During this time, employees : Conducted unspecified extra security procedures without explanation Questioned me audibly and publicly in front of other customers Claimed they could not find the name of the signer of the check, despite the checks being valid Ignored my offer to have the employer or business owner contacted immediately for verification Made a sarcastic and dismissive remark, which was humiliating and inappropriate Other customers in the branch were not treated in this manner. I was effectively treated as suspicious or dishonest without legitimate justification, causing public embarrassment and emotional distress. 
After this incident, I filed a complaint with Wells Fargo. A corporate representative named XXXX contacted me and stated that Wells Fargo would investigate the matter. However, I was never contacted with the outcome of the investigation, and no explanation, apology, or remediation was provided. Wells Fargo appears to have closed the investigation without informing me, demonstrating bad faith handling of a discrimination complaint. 
This conduct reflects disparate treatment, hostile customer service, and failure to follow fair banking practices. The public nature of the questioning and the dismissive remarks caused humiliation and emotional 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 2025-12-21 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: CA

Complaint narrative:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as Experian instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

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 2025-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Although this complaint is submitted under a personal credit category due to CFPB portal limitations, the issue concerns a Chase Business Line of Credit held by XXXX XXXX XXXX that is personally guaranteed by me, XXXX XXXX. 

I am not applying for new credit and I am not refusing to pay. I am requesting hardship-based assistance to restructure an existing business obligation so that I may continue making payments and avoid default. 
Since XX/XX/year>, I have made several repeated, documented attempts to resolve this matter through Chase Business Banking, branch visits, Special Credits, Managed Account Officers, and the Executive Office. Despite these efforts, Chase has refused to provide any feasible restructuring or payment accommodation, repeatedly treating my request as a new loan application and denying it based on cash flow, while interest continues to accrue at a very high rate, 27 %.

We paid interest only 2025 and not able to pay principal at all.

This account directly impacts my personal financial obligations and credit due to the personal guaranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as XXXX  instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: NY

Complaint narrative:
I am submitting this complaint because Experian has failed to comply with the Fair Credit Reporting Act after I properly reported identity theft. 

On XX/XX/2025, I sent Experian a complete identity theft dispute package via certified mail. The submission included proof of identity, proof of address, an FTC Identity Theft Report, and identification of specific fraudulent accounts and unauthorized inquiries appearing on my Experian credit report.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), Experian is required to block and delete identity-theft-related information within four ( 4 ) business days. Despite receipt of all required documentation, the fraudulent accounts and inquiries continue to be reported.

Additionally, Experian has not provided a legally compliant method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Any claim of verification without disclosure of the source, documents reviewed, and method used is insufficient under federal law.

Experians continued reporting of identity-theft-related information constitutes negligent and/or willful non-compliance and is causing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by law.

1. I was never late on the payment and here i can see 30 days late payment being reported. 
XXXX Account Number : XXXX Please correct/update this account from my credit report.

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 2025-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a complete mortgage application, along with supported documents. I specifically requested that they consider the loan application as collateral under the UCC framework, citing Articles XXXX and XXXX to support this approach. I provided numerous detailed explanations to the loan specialist about how this legal framework works and why it should apply in this scenario. In response, the Lending Specialist informed me multiple times that Bank of America does not offer any program of this kind. While I understand this may not be part of their standard policy, I believe that the existing UCC provisions do support this type of legal arrangement. Therefore, I am seeking assistance to address the discrepancy between the bank 's response and the legal framework that should allow for this option.

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 2025-12-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Creditor Name : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation