vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against WELLS FARGO BANK N.A a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A XXXX, WELLS FARGO BANK N.A 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 2025-09-22 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: MD

Complaint narrative:
I recently review a copy of my credit report alot of inaccuracies reporting under this account and it is hurting my ability to obtain credit. It is my understanding that you will conduct a investigation for me to ensure maximum accuracy of this account below 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 non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I have 3 active XXXX  XXXX credit cards, a couple months ago while checking my reports i noticed i got a late payment in a XXXX  XXXX credit card account ending in XXXX however i do not have an account ending in that, i have more than once already disputed with the credit bureaus and XXXX  XXXX to provide me information regarding that account and which i have only received the letters attached and i also included the credit reporting entry that is damaging my credit worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Charges made on XXXX through XXXX. Not my charges

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 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint against Truist Bank and loan officer XXXX XXXX regarding a mortgage loan application for a new construction home. 

Beginning in XX/XX/year>, I engaged XXXX XXXX to arrange mortgage financing. In a phone conversation, we discussed Truists relationship-based pricing, and I confirmed that I had the required assets and would transfer them later in the process to qualify for the 0.25 % rate discount she quoted. Based on these representations, XXXX XXXX requested that I pay {$770.00} in appraisal and credit report fees upfront to secure the mortgage product despite my closing date being more than five months away. I paid these fees in good faith, believing I was securing the terms we discussed. 

In XX/XX/year>, XXXX XXXX confirmed in writing that I was eligible for either a 0.5 % lender credit or the 0.25 % relationship-based rate discount we discussed in XXXX. I then transferred over $ XXXX in assets, as instructed, and was connected with a Truist representative that XXXX XXXX referred to finalize this step. In XXXX, XXXX XXXX retracted the relationship pricing, claiming it was not available on the mortgage product I applied for and that she was unaware of my intent to move assets to which I provided multiple email chains confirming that these conversations occurred and that she had acknowledged my intent to transfer assets. 

I repeatedly requested that this issue be escalated, including asking to speak with her manager, XXXX XXXX, but he never followed up with me despiste being on the email chain and being made aware of her misrepresentation. Truist refused to offer any concessions or to restore me to the financial position I was promised, despite my having acted on their representations, transferred substantial assets, and paid fees months in advance. When I requested closure of my loan application, XXXX XXXX said that the conversations we had never occurred, which I believe is both misleading and ethically inappropriate. 

This conduct constitutes material misrepresentation and failure to honor stated terms. I am requesting reimbursement of the {$770.00} in appraisal and credit report fees I paid based on misrepresented terms. I have detailed written documentation and email correspondence confirming these discussions and Truists later retraction and have attached for reference.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
XXXX writing to provide new evidence in connection with my dispute regarding an XXXX transaction from XX/XX/year>, in the amount of {$400.00}. On that date, I ordered a XXXX piece Agent Provocateur XXXX XXXX set ( XXXX, XXXX, and tie brief ) and paid with my Current Bank card through Apple Pay. When the package arrived on XX/XX/XXXX, it contained only the tie brief, and the XXXX and suspender were missing. I reported this to XXXX on XX/XX/XXXX with photos, but my refund request was denied the next day. I then filed a dispute with Current, submitting proof that the order was incomplete, but my claim was denied on XX/XX/XXXX based on the merchants records, which incorrectly stated that all items had been shipped. On XX/XX/XXXX, I appealed and provided additional evidence, including an XX/XX/XXXX email from XXXX confirming that only XXXX of the XXXX pieces had been sent. My appeal was denied again, this time because the order was placed under my relatives XXXX account under the name XXXX rather than my own. To clear up that issue, I escalated the matter through a BBB complaint. XXXX asked me to provide my government-issued ID, the last XXXX digits of my XXXX XXXX Device Account Number, and a copy of my bank statement showing the charge. After reviewing those materials, XXXX issued a formal written confirmation that the order was indeed placed under the Charmaine account, but that payment was processed through Apple Pay using my Current Bank card ending in XXXX, belonging to me, XXXX XXXX. They also confirmed that the order was for the XXXX piece lingerie set, but only the tie brief was shipped and the other XXXX pieces were never included, despite being in stock at the time. 
This new confirmation resolves the only reason my appeal was previously denied. It explicitly shows that I, the cardholder, funded the order, and it also proves that the merchant failed to provide the goods as described. I am asking Current to reverse its decision and issue a chargeback for the full amount of {$400.00}. If Current refuses to do so despite this direct confirmation from the merchant, I will have no choice but to continue pursuing this through the CFPB and, if necessary, card network arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date opened unknown XXXX number XXXX Exp XX/XX/XXXX Unknown credit limit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
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  Experian Equifax TransUnion Subject XXXX Request for Retroactive Forbearance and Removal of Late Payments Dear XXXX, Experian, Equifax XXXX and TransUnion XXXX I am requesting that my current forbearance be applied retroactively beginning XX/XX/XXXX, and that all associated late payment notations reported to the credit bureaus from that date forward be permanently removed. 

Under the Higher Education Act, 20 U.S.C. 1082 ( a ) ( 2 ), federal student loan servicers are granted authority to enforce, pay, compromise, waive, or release claims in order to resolve disputes fairly. Since I was eligible for forbearance during the period in question and actively sought hardship relief, the reporting of late payments is inconsistent with my actual repayment status.

Additionally, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) requires furnishers of credit information to provide accurate reporting. Reporting late payments when an account should have been in forbearance is not accurate. 

Relevant case law supports my position : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( XXXX XXXX. XXXX ) Furnishers may be held liable when reporting is misleading or incomplete.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( XXXX Cir. XXXX ) Furnishers must conduct a reasonable investigation once on notice of a dispute.

Hauser v. Equifax , Inc., 602 F.2d 811 ( XXXX Cir. XXXX ) Credit reporting agencies and furnishers must ensure maximum possible accuracy. 

I respectfully request the following : That my forbearance status be backdated to XX/XX/XXXX. 

That all late payment notations from XX/XX/XXXX forward be deleted from my credit reports. 

Written confirmation once this correction has been made. 

This request is made in good faith and consistent with federal law. Please respond in writing within 30 days, as required by FCRA dispute procedures. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX [ Signature ]

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 2025-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I recently had a change in loan service changes from XXXX XXXX to PHH mortgages. I called them and have been in contact with them. They are giving me 60 days grace period to get things settled. I told them I live on the property and it is not vacant. I live alone and park my car in my garage. I just got a MSI notice out of nowhere with no prior notice or contact that they found my property to be vacant or abandoned and that they are goin to secure or take my property after 7 days. This is very surprising and illegal. They said they contacted my mortgage company about this too. I went online to try to set up my payment to pay my mortgage since I was unable to because of the mortgage service change. XXXX could not process the mortgage payment and told me that they had to wait until the loan transferred over. I went on the PHH payment and I can not make any online payments of any sort. So I can't pay my mortgage. I see this as highly hostile on the PHH mortgage company engaging in illegal methods to take my house. I am filing this complaint for documentation and the stress/XXXX it is causing me as a XXXX veteran living with 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 2025-09-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: AR

Complaint narrative:
They said I would receive a email with a confirmation of creditial and they can release the card 5 to 10 business days I will get it. I've waited for two weeks and I have called back to see what they have to do. They said that I would have to do the same thing to verify identity again been three weeks and I don't have any card. And I've repeated this process for Three weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I had a HELOC account opened with Citizens Bank. My credit line was XXXX. Since beginning till now, I had no late payment, no missed payment, and my current balance is only XXXX. I reduced my balance with them paying from some credit cards which has 0 % for 12, 15, 18, 21 months. I used money from credit card to save some interests of my HELOC account. And I knew that when my 0 % will expire, I will use my HELOC money to pay the with credit cards. All of a Sudden without any prior notice, My HELOC line was suspended by the Citizens bank. For that I was not able to pay off my credit cards when 1 or 2 cards 0 % expired. Credit card has high interest, one of them is 30 %. 
My HELOC has collateral of my primary home. My home current value is XXXX or over. My current balance is only XXXX. Citizen 's bank is totally secured with their money. The reason they provided for this action was that my credit score is low. Of course, my credit score is temporary low since I used Mutiple credit cards with 0 % APR. This is my financial management. Once I pay all the credit cards, my credit score will go up even more. Just for the credit score, they can not suspend my HELOC limit which is backed by my home. 
With citizens, my balance is only going down. I have no history of balance going up. To my understanding, for lower credit score, they can not suspend my line. I understand that if my balance with them keeps going up and I have some late payments or missed payments, they can take this type of action. They had put me in serious financial problem. Therefore, I am contacting you. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX we received a phone call from XXXX stating that we had a credit card charge with XXXXXXXX XXXX for {$1100.00}. We contested that and the card company removed fraudulent charge on the card. Then we found another XXXX bad charges on another card ( Barclay ). One was for {$5.00} and the other was {$40.00}. We checked and determined that the charges were not authorized so we asked that they be denied, which they were. While on the call we were sent by XXXX to a third party, XXXX XXXX XXXX. They proposed that we should allow them to reduce our debt by contacting all of the card companies to cancel the total amount of what we owed. 
I doubted that it was possible but they convinced me it was done all of the time and they could make it happen. 
They called the Barclay card company the next day and put a hold on that card then proceeded to add {$11000.00} charge to the card to cover fees. They said they would pay off all of the cards in a similar manner. This was Friday XXXX and could not call back to change our minds as they were then closed. 
With the advice of friends we were warned of this procedure and that it was a scam. 
We adamantly want to stop this action

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am an existing Citibank customer. On XX/XX/year>, I opened a promotional Citigold checking account ( account number XXXX ) ( Account # is in the attached file ) with a {$100.00} deposit and a savings account with a {$200000.00} deposit at the Citibank branch in XXXX, CA. During the account opening, a banker provided me with a referral code ( XXXX ) and encouraged me to refer friends or relatives to open Citibank accounts, stating I would receive a {$200.00} referral bonus for each new customer who opened an eligible account and met the programs requirements. 
Using this referral code, I referred five friends and relatives who successfully opened new accounts at Citibank between XXXX and XX/XX/year>. To my knowledge, each referral met the programs requirements, such as opening a qualifying checking or savings account and fulfilling any necessary deposit or balance conditions. On or about XX/XX/year>, I inquired about the status of my referral bonuses, totaling {$1000.00} ( {$200.00} per referral ), at the XXXX branch. The banker informed me that they had disputed the matter with Citibanks back office on my behalf, but the bonuses were ultimately rejected. The stated reason was that I had previously referred over 20 people to open accounts, which I am pretty sure was NOT correct. I had only referred around 4 people to Citi before. 
I attempted to resolve this issue directly with Citibank. On or about XX/XX/year>, I called the Citigold customer service line ( XXXX ) three times. In the first call, the representative promised to research the issue and call me back within two days but failed to follow up. The second representative redirected the dispute back to the branch without resolution. The third representative stated they did not know why the referral bonuses were rejected and ended the call abruptly. Despite these efforts, Citibank has not provided a clear evidence supporting their decision, or the bonuses owed. 
I reviewed the referral program terms provided by the banker and believe my referrals fully complied. The denial based on a supposed limit of prior referrals was lack of supporting evidence. Citibanks lack of transparency and failure to honor the referral bonuses has caused significant frustration.

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 2025-09-22 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: TN

Complaint narrative:
I am filing a complaint regarding two public records and multiple related accounts that continue to be reported on my credit file despite having been discharged through bankruptcy. 

The public records in question are being reported as XXXX XXXX bankruptcies under the following : U.S. Bankruptcy Court XXXX U.S. Bankruptcy Court XXXX The U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX has confirmed in writing that they do not report consumer information to credit bureaus. I have attached a notarized letter from the court verifying this fact. Therefore, the continued reporting of these public records is inaccurate and unlawful. 

Additionally, I previously sent a notarized dispute letter to your agency regarding these public records as well as the accounts included in the XXXX  XXXX that were discharged. The accounts still reporting with Debt included in or discharged through Bankruptcy XXXX  XXXX comments are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were discharged through bankruptcy, which means they are no longer legally enforceable debts. Under the U.S. Bankruptcy Code, once a debt is discharged, creditors are prohibited from attempting collection or continuing to report such debts in a way that implies enforceability.

Furthermore, many of these accounts are now obsolete and exceed the permissible reporting period under FCRA 605 ( a ), which limits the reporting of negative information to seven years. Their continued presence is unlawful.

By continuing to report discharged, obsolete, and inaccurately coded accounts, you are in violation of your obligations under the Fair Credit Reporting Act, including FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty to report with maximum possible accuracy ). Additionally, under FCRA 604, consumer reporting agencies may only furnish information where there is a permissible purpose. Reporting inaccurate and unenforceable accounts exceeds permissible purpose and causes ongoing harm to my creditworthiness.

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