vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Checking and saving account with Citibank had fraudulent activity on XX/XX/year>, I contacted bank. They requested I go to bank and open new account. New account opened on XX/XX/year>. On XX/XX/year> my account was frozen. I was not contacted by bank. I contacted bank they informed me that department is closed they can produced the number and for me to call them when they open on XX/XX/year>. I was locked out of my only account after depositing my entire pay in person with teller on XX/XX/year>.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
This company Gurstel law firm, pc. Out of XXXX XXXX XXXX XXXX XXXX XXXX  keeps harassing me with a so called fake court judgement. I never got a court date so I could go attend and defend the amount they say I owe. I do not owe that much and these documents they send me look illegal and show I'm being sued in Iowa and I live in Nebraska. I'm sure there are other mistakes on these court documents they sent me in mail. I will attach copies with this report. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-31 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened up a savings account with my wife yesterday at Truist in XXXX XXXX, where we already had a checking account, I was asked to sign a paper and when I asked if i could receive a copy of the paper i signed for my records they said no it stays here, so i asked again, am I not allowed to have a copy of the paper I signed. The bank said no which is against my rights which falls under holding my signature without authorization. So I feel like they tricked me into signing something I was unaware of. Because they somehow knew I had worked for a food chain business not knowing me. Not to mention there has been weird things going on with accounts is what someone told me that also banks at Truist, Truist even has bank tellers that lie in other states, for example a Truist bank out of state said if we cashed our check we would receive our funds right away and we did not. Any way they are withholding my signature on a piece of paper that everyone receives when opening an account when they already have an account.

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 2025-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I am filing a complaint regarding the mortgage account being reported by Freedom Mortgage Corporation. 
Creditor : Freedom Mortgage Corp Account type : Mortgage Loan Account number : XXXX Original balance : {$100000.00} Reported balance : {$87000.00} Balance updated : XX/XX/XXXX Date opened : XX/XX/XXXX Reported history : 16 late payments Additional detail : Property associated with this mortgage was sold in XX/XX/XXXX Summary of Issue : This mortgage account is being inaccurately reported and is causing ongoing harm to my credit profile. According to my records, the property connected to this loan was sold in XX/XX/XXXX. Despite this, the account continues to report a large unpaid balance and a late payment history. 
This reporting is misleading and appears to violate the Fair Credit Reporting Act ( FCRA ) because : The account should reflect that the property was sold and the loan resolved at that time. 
The balance of {$87000.00} reported in XX/XX/XXXX is inaccurate and unverifiable. 
The continued reporting of 16 late payments damages my credit even though the mortgage was no longer active after the property sale. 
Requested Resolution : A full investigation into the reporting of this account.

Verification of the accuracy of the reported balance, payment history, and account status. 
Correction of the reporting to reflect the XX/XX/XXXX property sale ( and closure/settlement of the loan ), or permanent removal if verification can not be provided. 
Written confirmation once the corrections have been made. 
This account is currently reported in a way that misrepresents my financial history and continues to negatively impact my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am disputing an account reported by Bank of America as Charge off or late payments which may be inaccurate, incomplete, or unverifiable under the law.

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 2025-08-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX my x hacked my account and seller herself {$1000.00}, then on XX/XX/XXXX made a charge of {$73.00}, then on XX/XX/XXXX made XXXX in charges to apple. 
I called the bank the same day on XX/XX/XXXX and they told me that they would look into it but when they did they said it was my fault because she got ahold of my information. 
She even changed my login information. 





XXXX TO XXXX XXXX ON XX/XX/XXXX REF # 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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is written in response to your recent communication, dated XX/XX/year> regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am asserting my right to request and receive full and complete validation of this debt with the accounts below in questioned. 

Creditors Name : XXXX XXXX XXXX Until this request is fully satisfied, you are hereby instructed to CEASE all collection activities, including calls, letters, credit reporting, or threats of legal action. 
Let me be clear : I am NOT acknowledging or accepting this alleged debt. I am demanding, under federal law, that you provide the following documentation for validation : 1. A copy of the original signed agreement that created the debt, bearing my signature.

2. A complete accounting statement, itemizing the alleged balance, interest, fees, and how these were calculated.

3. Proof of your legal authority to collect on this debt, including a copy of the assignment or purchase agreement from the original creditor.

4. The name and address of the original creditor, including account numbers and the date the alleged debt was incurred.

5. Verification that this debt is within the statute of limitations in my state.

6. Proof that you are licensed to collect debts in my state, including your license number and issuing authority.

If you can not provide these materials, then you must immediately cease all collection attempts and remove any negative reports made to credit bureaus, in accordance with15 U.S.C. 1692g.

Your failure to validate this debt as required, and any continued collection activity or credit reporting, constitute violations of both the FDCPA and the FCRA. As a result, if this information can not be furnished accurately, I will be requesting statutory damages in the amount of {$1000.00}, pursuant to 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) of the FDCPA 15 U.S.C. 1681n and 1681 of the FCRA Unless you can provide legal and verifiable proof of this alleged debt, you must immediately : Cease all collection efforts Remove all references to this debt from any credit reporting agencies Refrain from contacting me again except to provide the validation requested This letter also serves as notice to preserve all communications and documents related to this matter for potential litigation.

You have 30 days from the date of your receipt of this letter to provide the above-requested validation. If you continue to pursue collection efforts without complying, you will be in violation of federal law. 
Sincerely, 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 2025-08-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I missed XXXX payment which is {$3500.00} which I cant be able to meet up I lost my job for so many months I just get out from forbearance becos I got new job which I supposed to start this XX/XX/XXXX unfortunately they shift my resuming date till XX/XX/XXXX which affecting me.please Am stuck this time am a XXXX  XXXX  with XXXX children XXXX in school and XXXX XXXX  XXXX with me. Am begging for help becos I dont want them to put the house into foreclosure I still want to stay in the house till I will start my job by XXXX to continue the payment. Thanks for help all my readers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I began the process of opening a new checking business account. When the account was operational it was not appearing in our TD Bank profile on the XXXX platform. XXXX XXXX contacted me with a plethora of excuses and even tried to blame the bank manager. Branch managers can not access the XXXX platform. XXXX then went on vacation and handed her responsibility to XXXX XXXX. He was never available, either out of the office or in all day meetings. On Tuesday XX/XX/XXXX I contacted their supervisor XXXX. she promised to contact me the next day. She never did. I tried to call XXXX XXXX, who was Cced on the emails, her number is not in service. The telephone number for XXXX is also not in service. The general XXXX  customer service could not help and insisted everyone was in all-day meetings. I had no access to my new account and could not get any help. On Friday XX/XX/XXXX I tried to log on and continually got error messages. I called customer service again and was told my XXXX  was " in-active '' and only XXXX could help. She remained on vacation. I have spent more than 5 hours on the phone trying to get a resolution. Now I can not access any of my accounts and conduct my business. I have bills to pay and payments to be received. These people NEVER informed me that my account was to be made in-active, nor did they have the right to tamper with my account. The incompetence, lack of professionalism, lack of accountability and sheer stupidity defy logic. I have XXXX accounts and at this stage switching banks would cause further disruption to my business. TD Bank and their XXXX  platform personnel are the worst I have ever experienced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have some items on my credit report I dont know about. I am unaware of them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Company : Wells Fargo Bank Product : Credit card Issue : Incorrect information on credit report / Improper handling of payment Complaint Summary In XX/XX/year>, Wells Fargo reported a 30-day late payment on my credit card ending in XXXX. This reporting is unfair and inaccurate because the issue resulted from a payment processing error in Wells Fargos system and their failure to notify me that my payment was rejected.

What Happened I submitted a payment of approximately {$400.00} ( when only {$60.00} was due ), but accidentally selected a closed XXXX XXXX XXXX account that still appeared in the Wells Fargo drop-down payment options. 

The payment was rejected, but Wells Fargo never notified me that the payment had failed. 

Believing the payment had gone through, I later discovered an alert that my account was already nearly 20 days past due. 

I immediately submitted another payment for more than the minimum due, but for reasons outside of my control, this second payment did not properly post. 

By the time I realized the issue and corrected it, Wells Fargo reported the account as 30 days late. 

Why This Is a Problem The late mark was caused by a system design issue ( a closed account still appearing in the payment drop-down ) and Wells Fargos failure to notify me of the rejected payment. 

At all times, I had sufficient funds ( over {$100000.00} in Wells Fargo accounts at the time ). This was not a case of inability or unwillingness to pay. 

I acted in good faith, attempted to pay more than the minimum, and resolved the issue as soon as I discovered it. 

Despite this, my credit was penalized with a 30-day late mark that is misleading and damaging to my profile.

Resolution Requested I respectfully request that Wells Fargo remove the XX/XX/year> 30-day late payment from my credit reports. Given the circumstances, this mark does not accurately represent my payment history, financial responsibility, or my 25-plus-year relationship with Wells Fargo.

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a OneMain unsecured loan account that was opened on XX/XX/year> with a reported balance of {$0.00}. I previously disputed this account with the credit bureaus, and while XXXX properly investigated and deleted the disputed information, XXXX XXXX XXXX failed to conduct a proper investigation and continues to report the account. This reporting violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report, and continuing to report this unverified account after another bureau has deleted it fails to meet this standard. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items, yet XXXX XXXX XXXX has not performed a proper reinvestigation and has failed to validate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I deposited {$17000.00} in one month that was gone and over {$4000.00} was missing and unaccounted for. When I approached the bank over missing funds, fraudulent charges, and {$100.00} in over draft fees for each transaction I was given attitudes, denial of seeing state, ents and then they closed my account without my authorization. Im still missing close to {$6000.00} now and the documents they provided were altered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MA

Complaint narrative:
Account was opened due to identity theft, and impersonation of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am reporting unfair and possibly fraudulent practices by Navy Federal Credit Union. 
I experienced fraud on my account, and Navy Federal closed it. When they closed it, they told me I had to bring the account back to zero from the negative. I deposited {$600.00}, which left a positive balance of {$120.00}.

At that time, a representative confirmed that I had a positive balance and moved the {$120.00} into another account. However, the closed account is now showing as negative {$120.00}, even though that was my money to begin with. 

When I asked another representative to pull the call recording to verify what I was told, she refused and said she didnt have to. 

I believe Navy Federal is attempting to take money from me unfairly and is misrepresenting my account balance. This has caused financial harm and stress for me and my family.

I am requesting that the CFPB investigate Navy Federals handling of my account, their refusal to verify call records, and their unfair practice of turning a positive balance into a negative debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation