vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
There was a divorce, XXXX removed my name from the title and not the loan ( divorce he consumed loan ) - XXXX passed away XXXX I called the builder AFTER finding out my name was still on the home when I got the call he passed the XXXX  there had my name on it - He agreed to buy the home back- I called wellsfargo explained everything I even wanted to try a modification- as a XXXX  mom whos XXXX  just lost their dad and having no assistance I was trying to do everything right - well since my name was no longer on the title I now have to hire attorneys for my daughter ( XXXX  ) talked to wellsfargo attorneys explaining everything- they put a hold on everything- TODAY we went there to check on everything and the house was locked up - things destroyed and things stolen - sadly my daughters havent been able to get those personal items as their dad passed inside the home - when I went to the local bank - they called customer service and they admitted it was not suppose to be on there - so now my family is dealing with the sense of loss - vulnerability- attacked - and victimized- all while STILL handling a loss- This was trespassing- vandalism- theft & leaving property & personal items unsecured- breaking & entering- SO much more-

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 2025-09-16 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am disputing the accuracy of several items on my credit report. 
XXXX is reporting as an open late account with an alleged balance of {$250000.00}, which is not accurate, nor has it been validated with supporting XXXX XXXX XXXX is reporting XXXX separate charge-off accounts with {$0.00} balances. If there is no balance owed, continuing to report these accounts as derogatory charge-offs is misleading, inaccurate, and unfairly damaging to my credit profile.My credit report also shows multiple hard inquiries on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries, nor did I submit a credit application to these entities. These inquiries lack a permissible purpose and negatively affect my credit standing.Under federal law, furnishers and credit reporting agencies are required to ensure that all information they report is accurate, complete, verifiable, and based on permissible purpose. The current reporting violates those standards and continues to cause harm to my ability to obtain credit fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am disputing the accuracy of several items on my credit report. 
XXXX is reporting as an open late account with an alleged balance of {$250000.00}, which is not accurate, nor has it been validated with supporting XXXX XXXX XXXX is reporting XXXX separate charge-off accounts with {$0.00} balances. If there is no balance owed, continuing to report these accounts as derogatory charge-offs is misleading, inaccurate, and unfairly damaging to my credit profile.My credit report also shows multiple hard inquiries on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries, nor did I submit a credit application to these entities. These inquiries lack a permissible purpose and negatively affect my credit standing.Under federal law, furnishers and credit reporting agencies are required to ensure that all information they report is accurate, complete, verifiable, and based on permissible purpose. The current reporting violates those standards and continues to cause harm to my ability to obtain credit fairly.

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 2025-09-16 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: NV

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer rights under the Fair Credit Reporting Act ( FCRA ) are being violated by the credit bureaus and furnishers reporting inaccurate and unverifiable information. My personal and financial reputation is being harmed by the continued reporting of wrong addresses, charge-offs, and hard inquiries that I never authorized. I am requesting CFPB to step in, investigate these issues, and ensure compliance with FCRA 602, 607 ( b ), and 611 ( a ) which require maximum possible accuracy and proper reinvestigation of disputed items. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$2100.00} This tradeline is being reported as a charge-off, yet you have not provided me with any original signed contract, full payment history, or charge-off documentation to validate the account as required by FCRA 611 ( a ) ( 1 ). Reporting a balance without complete validation is a direct violation of FCRA 607 ( b ), which requires maximum possible accuracy. The reported balance appears inconsistent with what would be expected from the date opened, suggesting that this information may be outdated or miscalculated. Additionally, I have never received a notice of charge-off from the creditor, which raises questions about whether the account is legally reportable. Continued reporting of unverifiable data after notice is considered willful noncompliance under FCRA XXXX and entitles me to damages under FCRA XXXX. The XXXX XXXX reporting guidelines also require that all account status, dates of first delinquency, and balance amounts be reported accurately failure to do so creates a materially misleading representation of my creditworthiness. This account is severely hurting my credit score and my ability to obtain fair financing. If you can not provide full validation including all legally required documents, you are obligated under FCRA 611 ( a ) ( 5 ) to delete this tradeline entirely from my file and confirm the deletion in writing. 

I am asking CFPB to enforce my rights under the Fair Credit Reporting Act, hold the credit bureaus and furnishers accountable for failing to maintain maximum possible accuracy, and compel them to delete these inaccurate addresses, unverifiable charge-off account, and unauthorized inquiries from my credit report. These errors are causing significant harm to my credit reputation and financial life, and I am entitled to accurate reporting under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I received an unsolicited text messages from Halsted Financial Services claiming I owed a debt tied to my former XXXX XXXX XXXX XXXX XXXXhe text included a suspicious attachment and link but no written documentation. 

This conduct is improper for several reasons : No Written Notice Provided : Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must provide a written validation notice within XXXX days of initial contact. Halsted has not sent me anything in writing. Their only contact was via text message, which included an unsafe attachment.

Disputed Underlying Charges : The debt they are attempting to collect arises from charges I fully disputed with XXXX XXXX. These charges originated from a merchant who failed to properly deliver services. XXXX mishandled my dispute and never processed it as a Regulation Z chargeback. I have contested these charges repeatedly, including with regulators, as they are fraudulent and unresolved. 

Unverified and Unvalidated Debt : I do not have any account with Halsted Financial Services. I have no signed agreement with them, no proof of any obligation to them, and no validation of the alleged balance. Attempting to collect on a disputed and unverified debt is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/XXXX of this year, I sent money from the United States to the XXXX XXXX. The money was supposed to have been processed in my account that same day, but it never arrived until I called on the XXXX requesting a refund. They told me it would take XXXX business days for a response. Those XXXX days passed, and I never received a response. Then they said they would transfer it to another department and that they would respond within XXXX business days, but still nothing. This has been over a month, and every time they tell me I have to wait for a response. 
The company is MoneyGram

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a new complaint against Bank of America because they continue to refuse to provide me with a substantive response regarding my denied checking account application. 
Background : On or around XX/XX/XXXX, I attempted to open a checking account with no monthly fees and early direct deposit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch. I was denied without explanation. 
I filed a complaint with CFPB, and Bank of America assigned Resolution XXXX XXXX XXXX, who provided no meaningful assistance. She gave me generic instructions to visit a branch or apply online, but when I followed those instructions, my application was denied again. I repeatedly called and emailed her at the extension she provided ( XXXX ) but she never responded. 
On XX/XX/XXXX, I provided all the requested information directly to Resolution XXXX XXXX XXXX ( location, date, and service denied ) and requested a written apology for XXXX XXXX mishandling of my prior complaint. 
Current Issue : On XX/XX/XXXX, Bank of America reported to CFPB that they had sent me a response. However, I never received anything by phone, secure email, or standard mail. 
This means Bank of America misrepresented the facts to the CFPB by claiming they responded when they did not. 
To this day, I have not received any explanation for why my account application was denied, nor a resolution to my concerns about their resolution specialists conduct. 
Requested Resolution : A clear, written explanation from Bank of America for why my checking account application was denied. 
A written apology from Resolution XXXX Yaneth Jalomo ( or Bank of America on her behalf ) for her failure to engage with me after multiple calls and emails. 
Accountability for Bank XXXX XXXX false statement that they responded to me on XX/XX/XXXX, when no such response was ever received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting by XXXX on my credit card account. The creditor has reported a late payment for [ XXXX ]. This late payment is being disputed because it was recorded in violation of federal law. Under 15 U.S.C. 1666b ( Truth in Lending Act, Regulation Z ), a creditor may not treat a payment on an open-end credit plan ( such as a credit card ) as late for any purpose unless the periodic statement including the required disclosures under 1637 ( b ) was mailed or delivered to the consumer at least 21 days before the payment due date. If the creditor can not prove that my billing statement was sent/delivered with a minimum of 21 days notice before the due date, then they are not legally permitted to classify it as late. Despite my disputes, the furnisher has failed to provide verifiable mailing or delivery logs for the statement cycle in question. Without this documentation, the alleged delinquency is unverifiable and its continued reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) which requires furnishers to ensure the accuracy and integrity of information they report. Requested Resolution : XXXX. Permanent deletion of the inaccurate late payment code for XXXX XXXX XXXX from my credit reports with XXXX, XXXX, and XXXX. XXXX. Written confirmation that the account will be updated to reflect Pays as Agreed/ Current with no derogatory history for the disputed cycle. XXXX. Refund of any late fees or penalty APR charges associated with the improperly reported late payment. This complaint is submitted to ensure compliance with the Truth in Lending Act, Regulation Z, and the Fair Credit Reporting Act. I respectfully request that the CFPB require the furnisher to take corrective action as outlined above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-16 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: PA

Complaint narrative:
XXXX XXXX has reported late payments on my account that are inaccurate some months I paid on time. I previously disputed these late payments with both XXXX XXXX and Experian. 
Experian responded that they are only a third-party reporting company and did not correct the inaccurate late payments. 
XXXX XXXX locked me out of my account and stopped responding after I requested documentation showing proof of the months they reported as late. 
XXXX XXXX is taking payments directly out of my paycheck ( payroll allotment ) as previously agreed. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), credit reporting agencies must investigate and correct inaccurate information. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), debt collectors must provide verification of debt upon request. XXXX XXXX has failed to provide verification, and Experian has failed to correct the inaccurate late payments. 

I am requesting : XXXX. XXXXXXXX XXXX  provide full verification/documentation for the reported late payments. 
2. If verification can not be provided, all inaccurate late payments be removed from my credit report.

3. Experian update my credit report to reflect accurate payment history.

4. Written confirmation from both XXXX XXXX and Experian that corrections have been made.

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 2025-09-16 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: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 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 XXXX 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: LA

Complaint narrative:
I borrowed through Daves ExtraCash feature. I later revoked ACH/debit card authorization in writing and through my bank. Despite this, Dave attempted to withdraw funds from my account on XX/XX/year>, and successfully pulled {$75.00}. 
When I attempted to remove my debit card and bank account information from the Dave app, I was blocked with a message stating that I must settle my current balance before removing my card. This effectively traps my financial information in their system and prevents me from exercising my right to revoke authorization.

This practice violates my rights under the Electronic Fund Transfer Act ( Regulation E ), which allows consumers to revoke payment authorization at any time. Forcing me to keep my bank details on file until repayment is complete is coercive and unfair.

I am not refusing to pay what I owe. I am simply requiring that repayment occur by a method I authorize and control ( such as debit card payment, money order, or manual repayment ). Dave is refusing to honor my revocation and continues to attempt unauthorized debits. 

Relief requested : 1. Full refund of the {$75.00} unauthorized debit from XX/XX/year>. 
2. Immediate removal of my bank account and debit card information from Daves system.

3. Written confirmation that Dave will cease all present and future attempts to debit my account.

4. Assurance that I can repay my balance by an alternative method I authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AR

Complaint narrative:
I am writing as a consumer who has carefully reviewed my TransUnio, Experian credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed account reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} I am demanding that the TransUnio, Experian reinvestigate the reporting of this account and correct any inaccurate information, including but not limited to late payments, incorrect account status, or erroneous balance reporting. These types of errors unfairly harm my credit profile by misrepresenting my history as a responsible consumer. 
As such, they must be corrected immediately.

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