vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I went to the Bank of America branch, which is located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I told the associate that my credit card account was hacked, and the thieves even changed my mailing address and phone number. No one was helping me, just telling me to sit down in the office and make a phone call to bank of america online fraud department. That is all they have done. it takes me forever. During this time, I asked the bank staff to close all my credit cards, but they said no, I had to call the bank 's credit card department to close them. When I got through on the phone, the person on the other end told me I had to find a bank employee to close them. I don't know who to trust.

all i need is just close all my credit card. It is not safe to use bank of america.

In the end, they simply changed my phone number and address back, but the thieves continued to make calls, mail new credit cards to their Ohio address, and even opened new checking accounts and mailed them there. That's when I realized that the anti-theft departments of American banks were unreliable. 

my mailling address is always XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other than this, it is fake. 

After that, I simply locked all my credit cards online to prevent thieves from using them. But today I received a letter from Bank of America saying there was a {$310.00} transaction I never made. They're so annoying, constantly sending me paper letters. They even asked me to prove I never made that transactionwhat a joke! 

Now I'm demanding that Bank of America close all my credit cards, and I will never use their services again. Please close them immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
Debt collector calls the mother of my child and didnt want to identify who he was and what he does. Then as I go on to explain why Im no longer able to debt and what I do now he proceeds to constantly makes judgmental remarks about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I submitted a timely Validation of Debt request to XXXXXXXX XXXX regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$230.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion, Equifax, and Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of an account opened XXXX XXXX XXXX Account Services : XXXX This account have resulted in a hard inquiry and fraudulent charge-off appearing on my consumer FICO credit report. I've already sent all 3 bureaus a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, charge-off, or hard inquiries as reported. The aforementioned accounts, charge-off, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, and hard inquiries are the result of identity theft and fraud.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Mortgage has reported multiple inaccurate late payments on my credit report. The account shows XXXX late payments after several months of XXXX Unknown and months of XXXX Current. 

Additionally, I was on a COVID payment forbearance, which should have kept my account in good standing. The late payments reported during this period are therefore inaccurate and misleading. 

Credit reporting rules require late payments to be reported sequentially ( XXXX XXXX XXXX XXXX ). Skipping stages and alternating between current and late statuses is inaccurate, inconsistent, and unverifiable, violating FCRA 1681e ( b ). 

Requested Resolution : Please delete or correct all inaccurate late payments and update my account to accurately reflect my payment history as OK Current / Paying as agreed for the months during which I was current, including accounting for the COVID forbearance. 
Additional Details : Account opened : XX/XX/XXXX Last payment : XX/XX/XXXX Account transferred : XX/XX/XXXX COVID forbearance received : payments completed in XX/XX/XXXXXXXX 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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding an auto loan that was approved using false information submitted by the dealership without my consent. 

After reviewing the details of my loan, I discovered that the dealership falsified my monthly rent amount and submitted incorrect information to Santander to get the loan approved. My actual rent is {$1800.00} per month, but the dealership reported {$400.00}, which I never authorized, stated, or agreed to. 

I contacted Santander Consumer USA to dispute this, request an investigation, and obtain a copy of the credit application they received. Instead of assisting, they told me they can not determine who modified the information and implied that my signature means the falsified information is my responsibility even though I was never shown the submitted application and did not provide the false numbers. 

This is not acceptable, and it does not relieve the lender of their responsibility to investigate the accuracy of information used in a credit decision. 

What I am requesting : XXXX. A full investigation into the falsified information submitted to Santander on my behalf. 


XXXX. A complete copy of the credit application and any documentation the dealership transmitted to Santander. 


XXXX. A written explanation of how this application was verified and why false information was accepted. 


XXXX. Any available remedies, since the loan was approved based on fraudulent information. 


XXXX. Protection from being held responsible for misrepresentation I did not commit. 



The dealership has blocked me after I confronted them, which adds to my concern that fraudulent actions were taken during the loan process. 

Santander Consumer USA has not provided a direct contact, case number, or meaningful assistance. I am filing this complaint so the matter can be properly investigated. 

Thank you. 

Name : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is an amendment to my previous complaint # XXXX against Equifax. Equifax sent me another letter where they did not respond to any of my questions, but instead tried to label this illegal sharing event as an ordinary dispute ( curiously, without actually resolving it ). They just informed me that this illegal sharing will stay on my report for XXXX years. This all causes me to believe that Equifax shockingly does not keep detailed records about the reasons for sharing of the reports, or what the process of approving the sharing was ( maybe they don't have that process at all ). All of this is a clear violation of the Federal law, namely FCRA, and maybe others. I respectfully request that the CFPB penalize Equifax for this violation of FCRA in accordance with the law. I hope that CFPB can get the answers from Equifax, but I am not optimistic. So, the penalty is the right outcome. I am attaching the mailed response from Equifax, so you can see for yourself how inadequate it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year> my servicer disbursed {$2400.00} from my escrow for force-placed insurance that was never needed because I simply switched carriers and maintained continuous coverage. This caused my monthly payment to increase by {$480.00} for XXXX and XX/XX/year>. 
After I personally audited my escrow and provided proof of continuous coverage, the servicer refunded the {$2400.00} to escrow but then immediately paid my new insurance carrier {$1400.00} for a premium I had already paid in full directly - an information both myself and my insurance agent provided to mitigate the XXXX situtation. My new carrier confirmed the duplicate payment and is refunding me, but the process takes XXXX weeks. 
As a result, I am out {$1400.00} cash during the XXXX XXXX season and paid XXXX months of inflated mortgage payments due to the servicers errors. 
I have spent hours on the phone and was initially denied any goodwill compensation or advance of the {$1400.00}

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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have banked with capital one for almost XXXX  years. In this course Ive not had any issues with the banking and have direct deposit additionally pay bills directly from this account. On XX/XX/year> I see error alerts on my account that they will close my account. I asked XXXX representatives and no response. I recently filed a claim and provided a receipt to the email so I do not believe that to be the reason. I was not given any specifics other than the bank made the choice and there arent details. Meaning they unreasonably closed my account although Ive been a loyal customer. They did this the same day my direct deposit hit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this CFPB complaint because Equifax is reporting several charged-off accounts, inquiries, and late payments that I believe contain errors or can not be verified. I am requesting a full reinvestigation under the FCRA. 

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 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 I am requesting that Equifax verify each of these items directly with the original creditors and remove anything that can not be fully validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: CT

Complaint narrative:
I am submitting this complaint because I accidentally enrolled in MoneyLions XXXX XXXX XXXX program, acct # XXXX, and MoneyLion has refused to close the account properly or reverse the unwanted credit products. 

I only intended to explore the app, and somehow, a XXXX XXXX XXXX and XXXX XXXX account were created without my clear understanding or consent. I never intended to take out a loan or receive funds. I only used {$75.00}, and that amount has already been fully repaid. 

However, MoneyLion created a XXXX XXXX  Loan showing a balance of over {$1000.00}, marked my account past due, and locked {$920.00} in a XXXX XXXX account that I do not want, did not use, and did not authorize. 

I contacted support multiple times, but they have not helped. They keep giving unclear answers and refuse to close the loan, remove the past-due status, or release the reserve funds. They also have not provided a clear explanation of how the loan was opened or why I am being shown a past due balance for a product I never requested. 

This is extremely misleading and harmful to consumers. I am worried this will negatively impact my credit, and I want this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-20 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Date issue started : XX/XX/2025 Amount in dispute : {$3900.00} What happened : On XX/XX/2025, I signed an advertising contract with XXXX XXXX XXXX XXXX XXXX, headquartered in XXXX XXXX ). The sales representative repeatedly assured me verbally that the placement was month-to-month and fully cancellable at any time with no penalty. I was never told it was a non-cancellable XXXX ( XXXX ) commitment I would never have agreed to that. 
I was also promised an exclusive sponsorship, but the published magazines clearly show another paid advertiser in the exact same section/spot. 
After XXXX issues I emailed XXXX to cancel. They ignored my request and continued charging my Wells Fargo account. 
I opened a billing dispute with Wells Fargo and provided screenshots of the contract, the magazines proving non-exclusivity, and my cancellation attempts. The dispute remains under investigation. 
XXXX Publishings actions constitute unfair and deceptive trade practices in violation of the XXXX XXXX Unfair and Deceptive Trade Practices Act ( XXXX XXXX XXXX. XXXX et seq. ). XXXX XXXX courts have repeatedly held that misrepresenting material contract terms ( such as cancellability and exclusivity ) is an unfair and deceptive act that can void the contract and entitle the consumer to treble damages. There are hundreds of identical complaints against XXXX XXXX on the XXXX and CFPB for these exact sales tactics. 
I want Wells Fargo to permanently reverse all charges after the XXXX issue before this drags on further.

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 2025-11-20 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: CORELOGIC INC
State: PA

Complaint narrative:
In response to the letter from Corelogic Case : XXXX. I have attached and labeled all disputed soft inquiries as well as hard inquiries on my credit file. I have labeled all disputed fraudulent accounts and attached the completeand accurate identity theft form that was submitted to each credit furnisher. Along with my Affidavit of Truth and verification of my identity documents. I am prepared to move forward with arbitration if no resolution has been met.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting late payments on an account that has been paid and closed. Once an account is closed and paid in full, continuing to display derogatory payment history especially when not supported by documented validation is inaccurate and misleading. The creditor has already updated the comment field to acknowledge the account was closed at consumers request, yet derogatory history continues to be furnished. 

Violation : This reporting violates FCRA 15 USC 623 ( a ) ( 1 ) ( A ) because furnishers may not continue supplying information that is inaccurate, misleading, or unverifiable.

It also violates FCRA 611 ( a ) because previously disputed information has not been properly corrected or reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation