vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I opened a checking account with M & T Bank several weeks ago and have been unable to enroll in online banking despite repeated attempts. The enrollment process requires either my account number or my debit card number. However, my account number was only briefly displayed during the account opening process and is not otherwise accessible to me. Customer service representatives have informed me they are unable to provide the account number over the phone. I then attempted to enroll using my debit card information, but the debit card registration process repeatedly fails and does not allow me to create an online banking account. As a result, I have effectively been locked out of accessing my own account online for weeks. I have already contacted customer service multiple times without resolution.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: NC

Complaint narrative:
E * TRADE seems to think that my money is their money. Ever since Ive been traveling, they refuse to allow me access to my own checking in a car account. Sometimes I have to spend several hours a day on the phone with them just trying to inquire as to why Im standing in line at a checkout counter and cant access my own money. At first, I thought it was just because I was traveling and went to XXXX, but Ive been here three months now and they just pulled {$200.00} out of another checking account and put it back in supposedly in my checking account with Morgan Stanley but I dont see the money in there, so I guess theyre paying themselves out of my money. Every time I call I spend hours and hours on the phone and they spend hours and hours of apologizing saying it wont happen again until the next day when I go to try to use the card again. Im sick and tired of it and I want them to be fine and I want to find to be paid to me not you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank never made us aware of the hard deadline to lock in our rate to close XX/XX/XXXX. Had we known we would have locked sooner. The ball got dropped. I went over all emails and it wasn't until Thursday, XX/XX/XXXX at XXXX that we were told we had to lock or risk not closing on time. So we locked. The closing had been XX/XX/XXXX and there was nothing that indicated in that email it would not go that way. We had arranged for appliances to be delivered, window treatments, internet and more and a mobile storage container in our driveway being picked up and dropped off. We also did a 30-day rent back and have to exit our home. We have a professional deep cleaning company scheduled at the buyer 's request as part of the rent-back from tge sale of our house. We were also never counseled until Thursday XX/XX/XXXX at XXXX in that same email that there was a specific time frame after locking and Disclosures to close on time, XX/XX/XXXX. The Disclosures were sent Monday morning XX/XX/XXXX. XXXX XXXX is not someone I would ever work with 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 explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to file a complaint regarding a late payment that was reported on my credit file due to a confusing account transition involving my XXXX Rewards credit card, issued by Wells Fargo. I enrolled in XXXX XXXX based on the understanding that it would help manage or prevent the transition of my existing XXXX credit card account to the Wells Fargo XXXX card. However, despite enrolling in XXXX XXXX, I was still issued a Wells Fargo XXXX card, and during the transition period, the balance from my existing XXXX card was transferred to the new account without clear notification or my full understanding that this would create a separate payment obligation. After the transition, my ongoing balance and transactions continued through the XXXX XXXX portal. During this transition period, I was not aware that a payment was required on the newly issued Wells Fargo card ( I have never had a well Fargo account in the past ). As a result, a payment was unintentionally missed ( {$490.00} ), and the account was reported as late.Once I became aware of the issue, I immediately paid the full outstanding balance. But it impact the XXXX XXXX from XXXX to XXXX This situation was not due to intentional non-payment or financial mismanagement, but rather a confusing and unclear account migration process between XXXX and Wells Fargo that led to an unintentional missed payment. This late payment has caused a significant negative impact on my XXXX XXXX ( approximately a XXXX drop ), despite my otherwise strong credit history and immediate resolution once discovered.

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 2026-05-12 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: OH

Complaint narrative:
I am submitting a complaint regarding inaccurate and inconsistent reporting on my consumer credit files with Experian and TransUnion. My Experian report shows XXXX XXXX XXXX account XXXX reported as CHARGE-OFF with a balance of {$770.00} and date last active XX/XX/year>, along with inquiries XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/year>, while my TransUnion report shows XXXX XXXX account XXXX reported as NEW CHARGE-OFF with a balance of {$310.00} and date opened XX/XX/year>. These entries reflect inconsistent reporting structures, incomplete account lifecycle details, and lack of aligned furnishing information across bureaus, creating conflicting consumer data that does not reflect maximum possible accuracy. Pursuant to FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 604 ( a ), 605 ( a ), and 611, I am disputing the accuracy, permissible purpose of inquiries, and completeness of all listed tradelines and requesting full review of furnishing records and reporting authorization for each item.

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 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lenmo Inc
State: IN

Complaint narrative:
The company said, Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency which screams discrimination to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Dispute of Fraudulent Collection Account Dear CFPB, I am writing to formally dispute a collection account that I believe to be fraudulent and not associated with me. According to my records, this account was opened without my consent and is a result of identity theft. The details of the fraudulent account are as follows XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} * * In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of this account from my credit report. This account should be blocked due to its fraudulent nature, as it does not pertain to any authorized transaction made by me. I have already filed a report regarding this identity theft on XXXX and have an FTC Identity Theft Report to support my claim. The account in question was opened without my consent, making it imperative that you act to resolve this matter swiftly in compliance with federal law. Please find the following documents attached to support my dispute : XXXX. A copy of my FTC Identity Theft Report. 2. A copy of my government-issued ID ( e.g., driver 's license or passport ). 3. Proof of address ( e.g., recent utility bill or bank statement ). 4. Any additional documentation that may strengthen my case ( e.g., a statement of account or correspondence with the creditor ). I appreciate your prompt attention to this matter and look forward to your confirmation that the collection account has been removed from my credit report. Should you need any further information, please contact me at the phone number or email address provided above. Thank you for addressing this urgent issue. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
My phone and XXXX has been hacked and reported to authority. My cards that were on my XXXX XXXX profile has been compromised, and funds depleted. I had a dispute with Paypal over a year ago, and they denied it within XXXX day, with due legal due process investigation. I ask that this claim be governed for constructive fraud being caused by Paypal Inc, when it comes to investigating claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 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: LA

Complaint narrative:
FORMAL DISPUTE AND COMPLAINT TO ALL MAJOR CREDIT REPORTING AGENCIES ( TRANSUNION, EQUIFAX, EXPERIAN ) Date : XX/XX/year> Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX TO WHOM IT MAY CONCERN, I am filing this formal dispute and complaint regarding inaccurate, incomplete, misleading, and/or unverifiable information currently being reported across my consumer credit files by TransUnion LLC XXXX Equifax Information Services LLC , and Experian Information Solutions , Inc . Despite prior disputes and requests for validation, multiple derogatory and negative items continue to appear on my credit reports without sufficient verification, documentation, or evidence of a lawful and reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). This complaint is submitted pursuant to : 15 U.S.C. 1681i Reasonable reinvestigation obligations 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirements 15 U.S.C. 1681s-2 Furnisher compliance obligations 15 U.S.C. 1681c-2 Blocking of identity theft-related information where applicable FDCPA 809 ( b ) Debt validation requirements ( where applicable ) DISPUTED ACCOUNTS ( ACROSS ALL REPORTING BUREAUS ) : XXXX XXXX XXXX XXXX XXXXXXXX Collection Account Sunrise XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charged-Off Account XXXX XXXX XXXX Charged-Off Account XXXX XXXX Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX Loan Reporting LEGAL BASIS FOR DISPUTE XXXX Despite repeated attempts to resolve these matters : Proper validation and authenticated documentation have not been provided Incomplete, inaccurate, or unverifiable information continues to be reported The disputed items are causing ongoing harm to my consumer credit profile It appears that reinvestigation procedures may not meet FCRA standards Disputed accounts may not be properly marked as disputed REQUEST FOR RELIEF : Immediate reinvestigation of all disputed accounts Deletion of unverifiable information Disclosure of verification methods and sources Full compliance review under FCRA requirements Written confirmation of actions taken If these matters are not resolved in accordance with federal law, I reserve the right to escalate complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and pursue legal counsel for further remedies available under law. Sincerely, /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: LA

Complaint narrative:
FORMAL DISPUTE AND COMPLAINT TO ALL MAJOR CREDIT REPORTING AGENCIES ( TRANSUNION, EQUIFAX, EXPERIAN ) Date : XX/XX/year> Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX TO WHOM IT MAY CONCERN, I am filing this formal dispute and complaint regarding inaccurate, incomplete, misleading, and/or unverifiable information currently being reported across my consumer credit files by TransUnion LLC XXXX Equifax Information Services LLC , and Experian Information Solutions , Inc . Despite prior disputes and requests for validation, multiple derogatory and negative items continue to appear on my credit reports without sufficient verification, documentation, or evidence of a lawful and reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). This complaint is submitted pursuant to : 15 U.S.C. 1681i Reasonable reinvestigation obligations 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirements 15 U.S.C. 1681s-2 Furnisher compliance obligations 15 U.S.C. 1681c-2 Blocking of identity theft-related information where applicable FDCPA 809 ( b ) Debt validation requirements ( where applicable ) DISPUTED ACCOUNTS ( ACROSS ALL REPORTING BUREAUS ) : XXXX XXXX XXXX XXXX XXXXXXXX Collection Account Sunrise XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charged-Off Account XXXX XXXX XXXX Charged-Off Account XXXX XXXX Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX Loan Reporting LEGAL BASIS FOR DISPUTE XXXX Despite repeated attempts to resolve these matters : Proper validation and authenticated documentation have not been provided Incomplete, inaccurate, or unverifiable information continues to be reported The disputed items are causing ongoing harm to my consumer credit profile It appears that reinvestigation procedures may not meet FCRA standards Disputed accounts may not be properly marked as disputed REQUEST FOR RELIEF : Immediate reinvestigation of all disputed accounts Deletion of unverifiable information Disclosure of verification methods and sources Full compliance review under FCRA requirements Written confirmation of actions taken If these matters are not resolved in accordance with federal law, I reserve the right to escalate complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and pursue legal counsel for further remedies available under law. Sincerely, /s/ 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 2026-05-12 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: AZ

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading information being reported on my consumer credit file. After reviewing my credit reports and the attached dispute letters, I identified multiple accounts reporting late payments, collections, and/or charge-offs that appear inaccurate, incomplete, misleading, or unverifiable. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of all information reported. Additionally, under 15 U.S.C. 1681i, disputed information must be properly investigated and corrected or deleted if it can not be verified with complete accuracy. These inaccuracies may be connected to compromised consumer information and recent data breach activity affecting financial institutions, furnishers, and consumer reporting systems. Because of these concerns, I am requesting a lawful reinvestigation of all disputed accounts referenced in my attached correspondence. The late payment reporting appearing on certain accounts does not accurately reflect my records and is unfairly damaging my credit standing. Additionally, the collections and charge-off accounts being reported appear inaccurate, misleading, duplicated, incomplete, and/or unverifiable. The continued reporting of this derogatory information is causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST PORTFOLIO SERVICING INC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX and its current administrator, Vervent, due to predatory billing and breach of contract during their XXXX XXXX reorganization. As of XX/XX/XXXX, I have paid a total of {$13000.00} on my auto loan. My current outstanding principal balance is {$21000.00}. Despite maintaining continuous private insurance since XX/XX/XXXX, and providing proof of coverage multiple times, the company has unjustly charged me {$520.00} in XXXX XXXXXXXX XXXX XXXX XXXX XXXX fees. Furthermore, the official amortization table provided after the servicer transition shows an unauthorized bi-weekly payment increase from the contractual {$270.00} to {$350.00}. This {$74.00} surcharge is a unilateral modification of my original agreement. I have made multiple attempts to clarify these discrepancies through their new portal XXXX XXXX XXXX, but the company has remained silent, failing to acknowledge my insurance compliance or correct my balance. I have a perfect payment record with {$0.00} in late fees, yet the company continues to misallocate my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I bank with Chime and upon checking my Chime bank account statement I noticed some suspicious transactions on my account that I didnt make so I called Chime immediately and disputed them for my money back but I was denied and Im not going to accept that because I didnt make those transactions nor did I authorize them. XXXX was made on XX/XX/year> at XXXXXXXX XXXX for XXXX in the amount of {$39.00} and the other was on XX/XX/year> at XXXXXXXX XXXX for XXXX XXXX XXXX XXXX in the {$100.00}. I disputed those transactions with Chime but they denied my dispute so thats why Im requesting help from you. Because from what I have read Chime never gives refunds no matter what and I think thats not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Prior to moving into the property at XXXX XXXX XXXX XXXX, XXXX, Colorado, I rented a home. I encountered several payment obligations, with the most significant being {$2900.00}. The resident benefit packet included 16 additional charges, a tenant fee of {$75.00}, a total monthly due of {$3000.00}, a refundable security deposit of {$2900.00}, and a lease initiation fee of {$440.00}. The lease terms spanned from XX/XX/XXXX, to XX/XX/XXXX. Despite these challenges, I eventually moved in on XX/XX/XXXX and made the payment of {$50.00} for the security deposit on the XXXX. My rent was then prorated and credited from the XXXX onward. However, I eventually found myself in a situation where the house was not in compliance with certain regulations. A cold enforcement representative informed me that the property needed to be brought up to standard. Despite my efforts to address this issue, the necessary repairs were never completed. In an attempt to resolve the situation, I signed a stipulation with the lawyer representing the company. The stipulation stipulated that I would transfer the property to them on XX/XX/XXXX, and the judgment in the case would be dismissed. However, if any monies were being pursued by either party, a new claim would need to be initiated, which was never done. Recently, I discovered that this matter had been reported to my credit in collections. This led to my denial of a home loan application, despite having made the necessary payments and having receipts to substantiate them. Additionally, I discovered that a church had made a {$1000.00} payment on my behalf, which I have also documented. Despite these efforts, the company attempted to double-dip by reversing the amount I had paid and placing it in collections. This resulted in an additional charge of 46 % on my credit, effectively doubling the amount I had already paid. I have reached out to the collection agency and the credit bureaus, but have yet to receive any positive results. Despite having all the necessary proof in front of them, no one is willing to assist me. The company has stated that I do not owe this debt, and Colorado has a 18 to 25 % collection fee. However, they have charged me a 46 % credit collection fee. This company has been a significant landlord for me, and I have been dealing with them for a long time. The landlords inaction in addressing the infestation of bedbugs, roaches, and mice in the property has resulted in significant health issues for me. Consequently, I was able to terminate my lease without any outstanding payments. However, I am unable to obtain any assistance despite presenting evidence of my payment for the security deposit.

Company response to consumer: Closed with explanation