vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it may concern, I have had so many problems with this company upon arriving. They had promised online and upon advertisements were false. They never gave me my XXXX for every account that I opened. Which was XXXX. When I asked them they stated that I will only receive if I have direct deposit go in there and I missed it within a week and the account that I did still have open that followed in those standards was another checking account and they closed that account and I did not even know so that I could not collect the funds. Another thing is that they were charging my accounts {$10.00} every week and that was a total of XXXX accounts for almost a year. I have called numerous times about the issue until finally XXXX month ago they fixed it. Then I had disputes that I have had opened and were claimed in XX/XX/XXXX. They had taken my Ssi check the whole XXXX claiming that I used all their money up so they taken my Ssi check due to my disputes that were settled 3 months ago. I exclaimed to them that my disputes funds desession Came in and that was the funds that I was using. I am a XXXX and I always bring a lot of money to them. They closed my account sent my XXXX XXXX checks back that I almost lost my vehicle, Morgage was late, no food on the table and I could not pay on none of my bills. It was a mess. I still do not have a bank card they sanctioned me for a whole year. When I called the individual stated to me from Wells Fargo to to call the next day which was Friday cause my funds were confiscated from Wells Fargo due to fraud they said I transferred it to another account. When I am talking to them I said yeah another Wells Fargo account. They were like yeah but you used up all Wells Fargo money. I did not know were to turn until I spoke to Ssi and they told me to come here. I did not even know I filed a claim here in XXXX. I was like wow I logged in here before in XXXX. For instance, know when I sent a sms online to the automated system and asked them how come my Ssi check deposit did not arrive. The next day I had another XXXX withdrawn out of my account for the same issue. Please help me

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: CO

Complaint narrative:
XXXX XX/XX/year>, I paid, on line {$3400.00}. The bottom of the transaction receipt states " the ACH debit will occur on Friday XX/XX/year>, The company claimed they never received it. ( It has never shown up in my bank statements. ) When I attempted to pay it in full, I was told there would be no late fees. I paid in full and then received another bill for $ XXXX. 
We hav

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I filed a Regulation E unauthorized transaction dispute with Navy Federal Credit Union and more than 10 business days have passed with no provisional credit and no written notice of delay. Under 12 CFR 1005.11 ( c ), the bank is required to either ( 1 ) resolve the dispute within 10 business days, or ( 2 ) issue a provisional credit if the investigation is not yet complete. Navy Federal did neither. 

Instead, they responded by claiming that provisional credit is not issued during the appeal process, which is not supported anywhere in Regulation E and is a direct violation of federal law. 

The bank has failed to comply with : 12 CFR 1005.11 ( c ) ( 1 ) 10-day resolution requirement 12 CFR 1005.11 ( c ) ( 2 ) ( i ) mandatory provisional credit 12 CFR 1005.11 ( c ) ( 2 ) ( ii ) written notice requirement if an extension to 45 days is taken Navy Federal provided no written delay notice, no provisional credit, and is trying to withhold funds while still reviewing the claim, which is unlawful.

I am requesting CFPB intervention to require Navy Federal to : 1. Issue the required provisional credit immediately 2. Correct their non-compliant dispute handling practices 3. Confirm future adherence to Regulation E timeframes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, the authorized representative of consumer XXXX XXXX, pursuant to the executed authorization and limited assignment dated XX/XX/year>. Despite multiple written disputes submitted under the Fair Credit Reporting Act ( FCRA ), CitiBank XXXX XXXX ( CBNA ) continues to report inaccurate and unverifiable information associated with account number CBNA XXXX. XXXX XXXX initially disputed the account on XX/XX/year>, and issued a formal second notice on XX/XX/year>, citing violations of FCRA 1681s-2 ( b ) and 1681i ( a ). CBNAs verification response failed to include any documentation or evidence of a reasonable reinvestigation, nor did it identify the party or department responsible for the verification. This demonstrates willful noncompliance with the FCRA, as CBNA neglected its duty to conduct a proper reinvestigation, review the consumer-provided evidence, and correct or delete unverifiable data. The continued reporting of false and damaging information constitutes a violation of FCRA 1681n and 1681o, causing ongoing harm to XXXX XXXX credit standing and financial reputation. Therefore, the complainant demands immediate deletion of the disputed tradeline from all consumer reporting agencies, a full written disclosure of the method of verification, documentation supporting the investigation, and confirmation of compliance. CBNAs repeated failure to comply with federal law warrants CFPB intervention, enforcement, and appropriate corrective actions to ensure full adherence to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
require assistance with a credit issue. SoFi has reported negative information on my credit file, claiming a refusal to pay. I was previously notified through their website that they were under investigation for fraud, and since that time, they have ceased all communication with me. I am seeking guidance on how to legally dispute this incorrect bad credit entry and have it removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
The lender has given several different payoff balances. The vehicle has been deemed a total loss as of XX/XX/XXXX. I made several attempts to reach out to the loan company to send documentation so we could complete the total loss from insurance. They took over a month to send a documentation requested then following that I submitted a gap claim and it took another month for them to email over the documentation request to the gap claim could be processed. During this time Ive noticed my balance increasing drastically used the excuse that its due to interest accruing when they held up to get them paid off has been because of their lack of communication. They have an automatic dialer calling my phone every hour day and night weekdays and weekends asking for payment, but would not send the documentation requested by insurance nor gap benefit provider. They have sent different payoff amounts to me to the insurance company and also to the gap company. They are now asking for more money than what is owed on the vehicle and a reporting negatively to the credit bureaus, I have asked several times about the amount and I never get the same amount. Its changed several times they are following extremely predatory practices. They hang up the phone whenever I asked to talk to them and let them know that theyre being recorded. It has gotten out of control. I have several documented calls. I have documentation from them documentation they sent to the insurance and also to the gap claim and none of it makes any sense. They are applying in same amount of interest on my account and my balance is nowhere where its supposed to be. It is starting to feel as if they are some type of loan shark or scammer.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please correct/update this inaccurate information on 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting a follow-up complaint regarding MoneyLions Credit Builder Plus Loan program XXXX I previously filed a complaint about unauthorized withdrawals. Since then, the situation has escalated. 

On [ insert date ], I attempted to access my MoneyLion account and was unable to log in, receiving the message : oops, we are fine tuning something. Despite being locked out, MoneyLion has continued to withdraw money from my bank account without my consent. I had informed their customer service that I unintentionally applied for this loan and did not wish to proceed, yet the withdrawals continue. 

This situation demonstrates deceptive and predatory practices, including : XXXX. Unauthorized withdrawals despite explicit cancellation requests. 
XXXX. Locking users out of their accounts while continuing to take funds. 
XXXX. Misleading communication from customer service claiming I consented when I did not. 

I request the CFPB investigate MoneyLions actions, assist in obtaining a full refund for unauthorized charges, and ensure that no further deductions occur from my account. I have attached documentation, including screenshots, transaction records, and previous communications with XXXX. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
This is my second formal complaint against TransUnion for continuously reporting inaccurate, incomplete, and unverifiable information despite multiple disputes submitted over the past year. TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) specifically XXXX ( b ) ( failure to ensure maximum possible accuracy ) and 611 ( a ) ( failure to conduct a reasonable reinvestigation ). 

The following accounts remain incorrectly reported : XXXX Bank TransUnion reports a charge-off and derogatory status despite the account being closed for years. Dates of last payment and activity differ between bureaus, proving unreliable data management. 
XXXX This tradeline is marked as charged off, yet TransUnion keeps XXXX active with no proof of verification and lists inconsistent credit limits. Reporting charged off/canceled by credit grantor after multiple disputes is a clear violation of FCRA 611 ( a ). 
XXXX TransUnion reports this account as a charge-off, but the balance has been {$0.00} for years. The account still shows as collection/charge-off despite being closed and settled. This indicates TransUnion failed to verify the status and continues to re-age the account in violation of 623 ( a ) ( 5 ). 
XXXX XXXX XXXX TransUnion reports this collection with an incorrect balance, inaccurate high credit field, and re-aged date of last activity ( XX/XX/year> ). This is a serious violation of FCRA 607 ( b ), as it falsely updates the date of activity to make an old debt appear new. 
XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX This tradeline appears re-aged and reported with no recent activity or verifiable proof. TransUnion lists meets FCRA requirements under comments, but that statement is false and unsupported by any factual documentation. 

All of these accounts have been disputed multiple times, yet TransUnion keeps verifying them without providing any proof of investigation or documentation from the furnishers. TransUnions pattern of behavior shows willful noncompliance with FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( A ) by failing to delete unverifiable or inconsistent data.

Their negligence has caused harm to my credit profile, limited my access to credit, and damaged my financial opportunities. This has been an ongoing issue for over a year, and TransUnion continues to ignore factual evidence and reinserts or re-reports outdated, unverifiable accounts.

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 2025-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Incorrect Interest Rate and Financial Loss Business Line of Credit Previous Account # : XXXX New Account # : XXXX. 
I am writing to formally dispute the handling of my business line of credit account and to request compensation for financial losses caused by misrepresentations, system errors, and lack of resolution despite numerous attempts to address the issue. 
Below is a summary of events for your review : Promotional Rate Offer and Initial Inquiry : In XX/XX/XXXX, I received a mailed promotional offer indicating a 3.99 % interest rate on up to {$50000.00}. On XX/XX/XXXX, I contacted the bank to confirm the offer details. The representative informed me that if I used the entire {$50000.00}, my monthly payment would be {$280.00}. I verified this information three times during that call. First Billing Discrepancy : In XX/XX/XXXX, I received my first billing statement showing a monthly payment of $ XXXX than double the quoted amount. After contacting Customer Service, I was initially told that I may have misunderstood. Later, the bank acknowledged a discrepancy and informed me that the rate would be adjusted. Subsequent Rate Changes and Communication : My first loan amount was {$230000.00} from other lender. Due to uncertainty during the XXXX pandemic and lack of resolution from the bank, On XX/XX/XXXX, I again contacted the bank and discovered my rate had risen to 9.75 %. Therefore, I decided list my home for sale. I visited the XXXX XXXX XXXX ( XXXX XXXX XXXX. ) and spoke with XXXX XXXX XXXX XXXX, who assured me she would handle the matter. Upon follow-up in XX/XX/XXXX, she confirmed that my rate had been corrected to 2.25 % ( Prime 1.0 % + 1.25 % ) for the life of the balance. Autopay System Failure and Rate Increase : Due to a bank system autopay error, my payment was missed, which triggered another rate increase to 11.75 %, despite the issue being caused by bank system failure. Further Attempts for Resolution : On XX/XX/XXXX, I met with XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. He opened a Complaint Case, which remains unresolved to this day. I was forced to sell my property on XX/XX/XXXX and eventually paid off the full balance of the line of credit on XX/XX/XXXX. My most recent call was on XX/XX/XXXX, at XXXXXXXX XXXX, with XXXX XXXX from Customer Service. He confirmed that a note on my account indicated my rate was 2.25 % for the life of the balance effective from XX/XX/XXXX. But this rate was never honored. 

Please see the highlighted part of the attached files

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
A rental company refused to accept rental payment and escalated to try and evict said tenant. This was a breach of contract because the rental agreement states that if the FIRST month ( only the first month ) of rent is late, that is deemed a reason for termination of lease. However, the first month was included in the security deposit, which I still have the receipt for.

The same apartment building then tried to deem me a health hazard to the entire apartment building that I had JUST moved into because there were other tenants engaging in unfavorable behavior. They apartment manager had me served with a notice from the state as a health hazard and the case was dismissed due to lack of evidence. It was NEVER proven that I was involved to ANY extent. ALL of these acts were intimidation attempts to bully me out of a lease and bank on security deposits and leave a negative remark on my credit report. The rental company then sold the bad debt to a third party who then illegally reached out to me to collect an illegally obtained debt. 

SCAM.

Company response to consumer: Closed with non-monetary relief