vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I am making a complaint regarding XXXX loans I took out with Spot Loans, XXXX thats already been paid off, and XXXX XXXX currently repaying.After reviewing XXXX  state lending laws, Ive learned that Spot Loans is not authorized to lend in XXXX, and that the interest rates being charged far exceed the legal limit. This constitutes a violation of XXXX XXXX and small loan laws. 

I received my first loan on the date of XXXX XXXX of {$600.00} and was required to pay a total amount of {$1600.00} which is absolutely absurd. Afterwards I recieved another loan of {$1000.00} on XXXX XXXX by which I had to pay a total of {$3600.00} before finding out that XXXX XXXX was giving out illegal and predatory loans to residents in the state of XXXX. They went against to XXXX  XXXX and approved me when they never should have approved someone that lives in a state where it is not legal to charge extremely high Annual Percentage Rates as well as Interest rates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I was contacted by XXXX many years ago ( the collector from Jefferson Capital just yesterday cited 2019 ) about an outstanding debt of {$5900.00} for " devices. '' After their many attempts of contacting me as I thought the calls were phone scams, I told them that I had/have never had a XXXX phone and/or account and that I did not buy said devices. ( Incidentally, I have never had a personal mobile phone as my company has always provided me with one, but I do now have a XXXX account for my kid 's phones. ) I told them also that I had never heard of the town in southern Illinois where the transaction took place being from the XXXX area. Some time later, a collection agency started harassing me over this as well, but I can not recall if it was Jefferson Capital as understand it to be them currently. I disputed this matter with the credit bureaus and believed that this was all in my past. I have since come to realize - while trying to co-sign on my son 's student loan - that this same fraudulent incident is still active and negatively impacting my credit score.

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

Complaint narrative:
I am a victim of identity theft. I recently discovered that unauthorized accounts were made using my personal information without my consent. These accounts listed below were opened in my name and I did not authorize any of them. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I first became aware of the fraudulent activity on XX/XX/2025 when my credit was pulled by a lender. I have since then taken the steps to report the identity theft including, filing a report with the FTC ( attached report ) I am requesting that the CFPB assist in ensuring the fraudulent accounts are removed from my credit report, as they are impacting me greatly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that unauthorized accounts were made using my personal information without my consent. These accounts listed below were opened in my name and I did not authorize any of them. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I first became aware of the fraudulent activity on XX/XX/2025 when my credit was pulled by a lender. I have since then taken the steps to report the identity theft including, filing a report with the FTC ( attached report ) I am requesting that the CFPB assist in ensuring the fraudulent accounts are removed from my credit report, as they are impacting me greatly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau I am filing this complaint against Wells Fargo regarding their gross mishandling of my dispute claim and their refusal to follow federal regulations. 

On XXXX XXXX XXXX XXXX 2025 XXXX XXXX  I opened a dispute for XXXX XXXX {$4500.00} XXXX XXXX ( Claim # XXXX ). From the moment the claim was filed, I have called Wells Fargo every single day to get an update. Despite my persistence, they never provided a valid explanation for withholding the provisional credit that Regulation E requires in many cases within 10 business days. 

I have contacted Wells Fargo through phone calls XXXX messages, and even spoke directly with their complaints manager, XXXX at XXXX, who personally assured me that I would receive my funds back. That promise was not kept. Instead, without my consent or resolution, Wells Fargo closed the investigation entirely leaving me without the {$4500.00} that I urgently need for rent and essential expenses. 

My documented calls include daily attempts from XX/XX/XXXX through the present, as well as specific dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/scrub> 2025 where I was explicitly told to wait 10 business days, despite the clear financial hardship I explained to them each time. No written communication, no provisional credit, no transparency just a closed case and an empty account. 

Wells Fargos actions have caused me severe financial harm and violated their obligations under Regulation E, which mandates prompt investigations and, when applicable, timely provisional credits. Closing this investigation without resolution is unacceptable and feels like a deliberate attempt to avoid their responsibilities. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>2025, Bank of America closed my business checking account without advance notice, holding {$3200.00} in available funds. The banks internal notice stated only that recent activity may put you and the bank at risk, with no specific violations cited.

I visited my branch located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the same day and spoke with staff, requesting the reason for the closure and immediate release of funds. The bank refused to provide any reason in person and stated it would take 10 days to mail me my money.

Additionally, I was given a phone number to call regarding the account, XXXX, but was unable to use it because the phone number linked to the account no longer works due to the account closure. I also do not have access to the account number since the account is restricted.

I explained that these funds are urgently needed to fulfill prepaid customer orders for my business, and that the delay will cause over {$40000.00} in financial losses, including potential chargebacks and XXXX XXXXper-transaction chargeback fees. 

Despite being informed of the critical harm to my business, the bank declined to expedite the release or provide a written explanation on the spot. This refusal is obstructing my ability to operate my business and meet contractual obligations to customers.

I am requesting immediate release of the {$3200.00} and a written explanation for the account closure, as required by federal banking regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I am filing this complaint because Fabco conducted a background screening on me for a housing application I submitted to XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX. My rights under the Fair Credit Reporting Act ( FCRA ) were violated when the housing provider used Fabcos report to deny me housing but failed to issue an adverse action notice, as required by law and as clearly stated on Fabcos own website. 

After I applied, the property informed me ( only after I followed up multiple times ) that there was a pending criminal charge on my background report. I immediately submitted official documentation showing the case had been dismissed through a pre-trial diversion program. I was told the application would move forward once I provided this but they still refused to proceed. 

Worse, I was never provided a denial letter, copy of the report, or adverse action notice, even though the denial was clearly based on Fabcos background report. This is a direct violation of the FCRA. 

I also previously applied at the same property in XXXX and was issued a proper denial letter at that time. The difference in how my XXXX application was handled raises concerns of discriminatory misuse of background information and unequal treatment. 

I believe my background was used in a discriminatory manner, and I was denied housing based on : My race ( XXXX XXXX ), My family status, and My sons XXXX status. 

I am seeking a resolution that includes : Enforcement action for the FCRA violation, A formal acknowledgment of wrongdoing, Policy enforcement to ensure Fabcos clients follow proper adverse action procedures, And monetary compensation in the amount of {$150000.00} for the harm caused by this unlawful and discriminatory denial of housing.

I have also filed complaints with the XXXX XXXX XXXX XXXX and a civil case in XXXX XXXX Common Pleas Court regarding these matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: FL

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 seven 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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX I applied for a Chase Sapphire credit card. I was denied because " I already had a card ''. When I called in they said that their system shows I already have a card and maybe I entered my information incorrectly. I let it go and went on to open another card with another bank without issue. 

In XX/XX/XXXX, I decided to try Chase again to get the card that I actually wanted, the Sapphire preferred. I double checked all my information before submitting and was denied for the same reasons above. This time I know for a fact there was no typo on my end and became concerned. I contacted Chase and let them know I have never owned any Chase credit cards their information is incorrect or there may be fraud. The representatives said okay and sent my application to be reconsidered. Chase pulled my full credit report and then a few days later denied me for the same reason, I already have a card. I also pulled my credit reports which so no history of any chase accounts. I continued to call in to Chase, I was transferred to numerous representatives and managers, fraud department etc .. Each person gave me different information. One representative says there is a card with my ssn opened in XXXX under the name XXXX XXXX. Another rep in fraud said there is no active or inactive cards with my ssn, One rep stated that according to XXXX  there is a previous chase card, while my XXXX  report shows none. I also called XXXX  and they confirmed there is no chase account with my ssn. After realizing no one was willing to help me get to the bottom of this situation and fix it, I began asking for the Excutive office to file a complaint, I was denied. After talking to over many people over the course of several days there has been no one that is able to provide a solution to this problem. If there is infact someone using my social security number to have a Chase credit card that is fraud and needs to be taken more seriously by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NJ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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

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
Consumer complaint received 2025-08-08 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: RI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is regarding an inaccurate late payment entry on my credit report. I have never failed to make a timely payment for this account, and my records verify this fact. The error is harmful, unjust, and a violation of the FCRAs accuracy provisions.

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

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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