vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Related to XXXX I am not receiving any progress on the issue from PNC Bank XXXX 
This is holding up other business I want to do with the house that is none of PNC Bank 's concern. It shouldn't be taking this long to correct their mistake. I am no longer receiving any feedback from PNC. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Summary of Communication Regarding Unauthorized HELOC Forbearance ( PNC Bank ) Date : XX/XX/year> XXXX AM Incoming Call from PNC ( XXXX  ) XXXX  called to inform me that I must submit a signed letter containing the following : A statement requesting removal from loss mitigation. 

Additional phrasing that was still being clarified at the time. 

XXXX had consulted with XXXX XXXX, who advised the following : XXXX for removal from loss mitigation is currently unknown. 

Letter must include : " I am waiving my appeal in regards to loss mitigation and request to remove from loss mitigation and forbearance. '' Contact email provided : XXXX XXXX AM First Email Sent Submitted the requested letter ; however, the date included an incorrect day-of-week. 

XXXX AM Corrected Letter Resent Sent a revised version of the letter with : The correct day of the week. 

My HELOC Account Number included for clarity. 

No Acknowledgement Received As of early afternoon, I had not received confirmation that the revised letter was received. 

XXXX PM XXXX XXXX Called XXXX  and left a voicemail requesting : Acknowledgement of the updated letter. 

Status update on whether the relevant department had logged the letter and started correcting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
In early XXXX I applied for a credit card with Idaho Central Credit Union, and on the online application portal, it explicitly stated that submitting the initial application online would only result in a soft inquiry on my credit report and would not affect my score. Lo and behold, it resulted in an immediate hard inquiry on my XXXX  report. I asked the bank to immediately remove the hard inquiry and withdraw my application several days ago, and they refuse to even acknowledge my request, but instead ask me to call them to avoid any miscommunication. The fact of the matter is that there is no miscommunication other than the lie that this would only be a soft inquiry, and their mismanagement of my application. If they dont even know that their online application portal says that it would only result in a soft inquiry, it seems like they might not even know whats going on at their own bank! They also had a representative tell me theyd email me something about the application, and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely 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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My case ID XXXX On XX/XX/XXXX around XXXX PM EST time I transferred {$4500.00} money to my overseas XXXX  bank account through wells Fargo XXXX account XXXX send option. 

Later i spoke to wells Fargo global remittance XXXX team multiple times, they said they had some issue in their server on same day i made a transaction ( call recording is available with them ) and initially asked them to credit to XXXX account but even after 3 days it did not happen. 
They gave false information saying We have sent the instructions and we are waiting for XXXX  bank response, but when i followed up with XXXX  bank they mentioned they never received any kind of instructions. 

Later i asked them to credit back to my wellsfargo checking account .but still did not happen. 

Whenever i called them up to follow up on the status i get same answer of we are working. But no specific answer that what they are working on. 

Its became suspicious that i dont get my money back due to wells fargo XXXX lack of interest in resolving my case and no transparency from wells fargo and really tired of following up with them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: PA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX * XXXX XXXX, XXXX  XXXX XXXX : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}

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 2025-07-07 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax for reporting an address on my credit report that is completely inaccurate and unrelated to me. Despite this being a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), Equifax has failed to remove the incorrect information. 

The following address is being reported on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX, TX XXXX This address is not and has never been associated with me in any capacity. I have never lived at or been connected to this location. Including this incorrect address on my report violates FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to maintain maximum possible accuracy in the information they report.

This kind of inaccuracy can lead to misidentification, improper association of accounts or inquiries, and negative impacts on my creditworthiness. I submitted a formal dispute to Equifax and requested the removal of this address, but it remains on my file, showing a failure to comply with the reinvestigation requirements under FCRA Section 611 ( a ) [ 15 U.S.C. 1681i ].

I request that the CFPB investigate Equifaxs failure to maintain accurate reporting and require them to delete this incorrect address from my file. I also ask that Equifax issue a corrected credit report and confirm the removal in writing. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . 
Department : Claims/ Disputes Department Date of Incident : XX/XX/year> Amount Involved : {$470.00} ( only {$3.00} returned ; {$470.00} still missing ) Product : Checking Account / ATM Deposit Issue Description of the Issue : On XX/XX/year>, I attempted to deposit {$470.00} in cash into my Chase checking account using a Chase ATM. The machine accepted the full amount, but only {$3.00} was ultimately credited to my account. The remaining {$470.00} was not deposited, and I immediately reported the issue to Chases Claims Department. 

Initially, Chase issued a temporary credit of {$470.00} while investigating the matter. However, without providing any transparent explanation or documentation, they reversed that credit, stating that the ATM was not over when they conducted a count. This reversal caused my account to go negative, which then triggered overdraft fees and financial hardship. 

I asked Chase to review the ATM surveillance footage, which would clearly show me holding the {$470.00} and attempting to deposit the full amount. They have refused to confirm whether they reviewed the footage, and they have not provided any meaningful evidence or written explanation for the denial of my claim. 

Chases Claims Department has been uncooperative and dismissive, leaving me without my money and penalizing me further through account overdraft charges. I believe they have failed to conduct a proper and fair investigation into my dispute, and I am seeking assistance in getting this resolved. 

What I Am Requesting : A full and transparent investigation into this ATM deposit issue Confirmation and review of the ATM surveillance footage from XX/XX/year> Reinstatement of the {$470.00} deposit and removal of any overdraft or penalty fees A written explanation or documentation supporting Chases decision, if they continue to deny the claim My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: FL

Complaint narrative:
We had a XXXX XXXX with Security Service Federal Credit Union in the amount of {$180000.00} obtained XX/XX/XXXX. We closed on the sale of our home on XX/XX/XXXX. The payoff from Security Service Federal Credit Union shows a XXXX fee in the amount of {$1800.00}. We called XXXX to ask about this fee and was told it was a pre-payment penalty fee. However, no one could tell me what the XXXX acronym actually ment. We closed on our home, as we could not hold up the closing. Since XX/XX/XXXX I have reached out to XXXX for a copy of our original loan disclosures to shed some light on this fee. Three requests were made XX/XX/XXXX through their online system. I received a copy of the XXXX XXXX XXXX XXXX XXXX Agreement and Disclosure Statement. Under paragraph XXXX section ( XXXX ) Prepayment it states : You XXXX prepay all or any portion of the account balance at any time without penalty ; however ; if your prepayment does not fully repay the entire account balance, you must continue to make the required minimum payment monthly payments. 
I asked XXXX and found out the XXXX fee is a Non-Cancellable/Closing/Closure Penalty, or a prepayment or early termination fee. This fee is charged when a loan is paid off before a certain time period. I called again on XX/XX/XXXX asking again about the fee and what was the payoff date so the fee was not occurred. I again was told there was a separate disclosure for this fee, and the date and amount was listed on the disclosure.I asked again for ALL disclosures signed, specifically this prepayment penalty disclosure. I assume the form is the TILA, however, it's never been sent to us. 
On XX/XX/XXXX I received another envelope from XXXX. This one contained the Home Equity Line of Credit Agreement and Disclosure Statement, a final refinance statement from XX/XX/XXXX, and the XXXX from XX/XX/XXXX. 
Again, no signed disclosure statement to show that we agreed to pay the XXXX fee. XXXX again for the 2nd time, provided a document stating there is no repayment penalty for our loan.

There were two other phone calls about this fee. NO one has been able to explain or define the fee when we call. I was refused access to a loan department manager or loan servicing manager each time I called.

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 2025-07-07 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: PA

Complaint narrative:
My credit score on Experian dropped about XXXX points. They say its due to a delinquent account, but cant tell me which account is delinquent because there are none. I tried to resolve it with them but they do not have a person to speak to, and I cant dispute an account that does not show delinquent.

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 2025-07-07 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX OF XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express gift card with an expiration date of XX/XX/year> .It also stated on the envelope with the card that the card never expires. 
The company told me that because i had not used the card in 3 years that the funds were frozen and that to XXXX freeze the funds, i had to send a copy of the card and my drivers license to an email address. 
I sent it and received an automated message acknowledging they received but a replacement was never received. 
I have called twice, they have my correct address and said they have twice sent it out and to wait XXXX business days. 
This time i called they asked for further information from me and said to wait XXXX business days for an answer. 
The company is XXXX, they gift cards for the credit card companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Summary of Events : I was paid via direct deposit on XX/XX/year>, with a deposit of {$1000.00}. 
On XX/XX/XXXX, I made a payment to XXXX for {$120.00}. My balance immediately reflected the deduction. 
XXXX emailed me confirmation of the payment, showing my Cash App account number. 
On XX/XX/XXXX and again on XX/XX/XXXX, XXXX attempted to re-charge my account for the same amount. I visited a physical XXXX  store on XX/XX/XXXX, where a representative confirmed they had already received my payment and could not explain the double charge. 
On XX/XX/XXXX, I noticed that XXXX 's records now showed a reversal of the payment on XX/XX/XXXX, even though I never authorized or initiated such a reversal. 
As of the writing of this letter, XX/XX/year>, the XXXX in question has not been deposited back to my balance despite Cash Apps claims. 
________________________________________ Cash Apps Handling of the Situation : Cash App has now made XXXX claims which can be seen in the screenshots I provided of my conversation with Cash App support : that the {$120.00} was never removed from my account AND that it was returned on XX/XX/XXXX at XXXX XXXX, but neither of these events appears in my official XXXX account statement On XX/XX/year>, after I escalated the issue, I received a response from Cash App management with an attached transaction statement covering XX/XX/year>. This document confirms only a single failed attempt to pay XXXX on XX/XX/XXXX and does not include the original successful XX/XX/XXXX payment. This directly contradicts my XXXX receipt and confirms that Cash Apps own internal records are missing, incomplete, or have been tampered with. No refund, reversal, or returned funds appear in any version of the statement provided My XXXX statement : o Does not show the original {$120.00} payment o Does not show the two failed debits from XXXX  o Shows my Ambetter health insurance payment of {$12.00} on XX/XX/XXXX, which they incorrectly claimed occurred after the supposed refund The customer service agent provided conflicting stories and initially failed to provide a formal investigation or follow-up, claiming that they had thoroughly investigated the matter When I expressed concern about potential internal fraud and requested escalation, Cash App deleted the entire conversation log, erasing months of prior support history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a fraudulent account existing with my information and I spent an hour trying to get it deleted. The automated service couldnt help me or transfer Me to a representative. I called headquarters and was redirected to the automated line

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: CT

Complaint narrative:
The XXXX XXXX  was stolen from the vehicle and while on the shop waiting for new parts to come in during XXXX  ( when parts were unable to be imported ) the car was repossessed and later sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief