vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had the general idea that I had a bank account on my name and am in the middle of a divorce. I have no home, no car, no job. The one thing I had was my broke down wells bank account. So they did me a huge favor and cut me all the way off. That way I can just be snuffed out. Please I don't need their XXXX XXXX  XXXX. Thanks any way. I will make it out here.BY MYSELF. 
I am still not with my ex Oh yeah it's already been XXXX  years.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX  XXXX bankruptcy 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 2025-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Fighting Fraudulent Foreclosure on a XXXX XXXX guaranteed XXXX XXXX XXXX Help Needed I am a XXXX homeowner in XXXX, XXXX, and I have lived in my home since XXXX. This property is my XXXX XXXX XXXX  backed guarantee, yet I am facing an illegal foreclosure scheduled for XX/XX/XXXX. 
Here are the key issues : Conflicting balances : XXXXXXXX XXXX XXXX claims I owe {$33000.00}, my credit report shows $ XXXX, and an IRS XXXX XXXX they issued states {$22000.00}. These numbers conflict and show fabrication. 
No legal standing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed they have no record of any assignment or transfer of my mortgage. Bank of America also admitted they have no records of my loan, yet they collected payments for years. 
Misuse of assistance funds : I received XXXX  Assistance Funds of {$16000.00}, but they were never applied to my account because there was no valid debt to apply them to. 
Elder fraud : I am a XXXX XXXX resident being targeted with a fraudulent foreclosure on my homestead.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
Request for negative impact to be removed multiple times. The student loan was paid in full. Multiple attempts have been made via phone calls, emails, and letters to have this removed. I have not received any notification nor a response. This has been going on for several years.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I contact Bank of America after they claimed that my new replacement card is on the way and that I could use the digital wallet that is tied to my new card that is coming in the mail to pay bills and buy food. 

The bank was to sent directions. Today I tried the digital wallet and it never worked. So I called Bank of America again today to ask them about the digital wallet and the provisional credit on my account due to a fraudulent transaction that I reported. 

The representative in Texas for Bank of America began twisting his words and the BoA policies on provisional credits. When I shared that it is documented by BoA that for fraudulent charges ( which the {$230.00} was a fraudulent charge ) receives a provisional credit within XXXX to XXXX days while BoA investigates the fraud. He then began against trying to change facts in the call. I shared that I have screen shots proving BoA policy on provisional credit on fraudulent charges as part of their claims process. Again the BoA rep in Texas twisted his words again. 

Then when I said that I can not access my funds as the Digital Wallet wasn't working he then began with excuses again. I have had to report a fraud in XXXX and BoA gave me a digital wallet so that I can access my funds. 

This is nightmare. BoA needs to answer to the public why they take our money and blocks consumers from our own money.

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 2025-08-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
they have frozen my account i cant do anything spend money transfer money i cant send money anything they have not reached out to help me or anything its going on to its 2nd week now i havent been able to buy food buy gas anything at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
Complaint Category : Debt Collection Subcategory : Attempted Collection of Debt Not Owed On [ XXXX ], I requested validation of an alleged debt from NCB Management Services under 15 U.S.C. 1692g. 

As of today ( XXXX ), no validation has been provided, but the account remains reported to XXXX XXXX XXXX XXXX 
Violations include : FDCPA 1692g continuing collection activity without validation FCRA 1681s-2 reporting unverifiable data Requested Action : 1. Investigate these violations.

2. Require NCB Management Services to validate or delete.

3. Ensure compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
In XXXX i discovered several unauthorized fraudulent accounts and the XXXX  XXXX Bankruptcy filing XXXX XXXX XXXX. I have never approved or opened any of these accounts or the bankruptcy and I do not know who is responsible for this fraudulent activity. These false records are causing severe and ongoing damage to my credit my financial stability and my personal life. This situation has created stress XXXX  and hardship as I have been forced to spend significant time and effort to protect my identity and correct my credit file. I am exercising my rights under the Fair Credit Reporting Act which requires that fraudulent information be blocked from my report when supported by an FTC Identity Theft Report and proof of identity. I am providing these documents with this request and I expect written confirmation that every fraudulent account and the bankruptcy have been permanently removed from my credit report.

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 2025-08-23 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:
In XXXX i discovered several unauthorized fraudulent accounts and the XXXX  XXXX Bankruptcy filing XXXX XXXX XXXX. I have never approved or opened any of these accounts or the bankruptcy and I do not know who is responsible for this fraudulent activity. These false records are causing severe and ongoing damage to my credit my financial stability and my personal life. This situation has created stress XXXX  and hardship as I have been forced to spend significant time and effort to protect my identity and correct my credit file. I am exercising my rights under the Fair Credit Reporting Act which requires that fraudulent information be blocked from my report when supported by an FTC Identity Theft Report and proof of identity. I am providing these documents with this request and I expect written confirmation that every fraudulent account and the bankruptcy have been permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
am filing this complaint regarding inaccurate, unverifiable, and non-compliant information being reported on my credit files by XXXX, XXXX, XXXX, and certain furnishers/collectors. 
# # # Background On multiple occasions, including disputes most recently in XX/XX/year>, I have submitted written disputes regarding inaccurate and unverifiable accounts on my credit reports. Despite this, the credit reporting agencies ( CRAs ) have failed to conduct reasonable reinvestigations as required by FCRA 1681i ( a ), and furnishers have failed to ensure accurate reporting as required by FCRA 623

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 2025-08-23 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: CA

Complaint narrative:
Consumer Complaint XXXX XXXX XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Accounts Involved : XXXX XXXX Nature of Complaint : XXXX XXXX XXXX has unlawfully furnished derogatory information ( late payments ) to the nationwide consumer reporting agencies without complying with the statutory disclosure and billing requirements under federal law. 

Specifically, under 15 U.S.C. 1666b ( Timing of Payments ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In good faith, I requested that XXXX provide proof that periodic statements and disclosures required by 15 U.S.C. 1637 ( b ) were mailed or delivered not later than 21 days before the payment due dates for the above-referenced accounts. No such proof has ever been provided. 

Violations and Harm : XXXX failed to comply with 1666b by treating payments as late without providing proper and timely statements. 

The failure to mail or deliver statements and disclosures constitutes a violation of the Truth in Lending Act ( TILA ). 

Reporting of late payments in these circumstances is fraudulent, unjust, and inequitable to me as a consumer. 

These derogatory reports have directly caused my credit scores to decrease, resulting in financial harm, credit denials, and reputational injury. 

Requested Relief : Immediate deletion of all late payment notations from my consumer credit reports with XXXX, Equifax, and XXXX  relating to the above accounts. 

Confirmation in writing that XXXX has corrected and updated its records with all consumer reporting agencies. 

Any further relief deemed proper by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
Consumer Complaint XXXX XXXX XXXX Filed by : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Accounts Involved : XXXX XXXX Nature of Complaint : XXXX XXXX XXXX has unlawfully furnished derogatory information ( late payments ) to the nationwide consumer reporting agencies without complying with the statutory disclosure and billing requirements under federal law. 

Specifically, under 15 U.S.C. 1666b ( Timing of Payments ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In good faith, I requested that XXXX provide proof that periodic statements and disclosures required by 15 U.S.C. 1637 ( b ) were mailed or delivered not later than 21 days before the payment due dates for the above-referenced accounts. No such proof has ever been provided. 

Violations and Harm : XXXX failed to comply with 1666b by treating payments as late without providing proper and timely statements. 

The failure to mail or deliver statements and disclosures constitutes a violation of the Truth in Lending Act ( TILA ). 

Reporting of late payments in these circumstances is fraudulent, unjust, and inequitable to me as a consumer. 

These derogatory reports have directly caused my credit scores to decrease, resulting in financial harm, credit denials, and reputational injury. 

Requested Relief : Immediate deletion of all late payment notations from my consumer credit reports with XXXX, XXXX, and TransUnion relating to the above accounts. 

Confirmation in writing that XXXX has corrected and updated its records with all consumer reporting agencies. 

Any further relief deemed proper by the CFPB.

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 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
I received the loan on XX/XX/XXXX around XXXX XXXX  XXXX. 
I was told money would be able to be pulled off in approximately XXXX minutes at an XXXX XXXX XXXX On XX/XX/XXXX I attempted to withdraw money. I was denied. On XX/XX/XXXX I attempted to use at XXXX as credit. It was denied. 
In XX/XX/XXXX I attempted to use twice after changing my PIN number. Still denied. 
I called number on the back of green dot and was told to go to check into cash and they could fix it for me. I was parked at the store and they said they do not do that. 
I'm still having to wait an additional XXXX hours before I can once again try. 
This is ridiculous as you can not cancel loan after the original XXXX hours. 
Very frustrated and feel check into cash staff is rude and does not attempt to be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello Im having issues getting my Equifax credit, i cant obtain it on the website, i cant obtain it through annual credit report. Not only that but i recently applied for credit and they said i had no score, I have an account with XXXX XXXX, and its not showing, Address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — Store credit 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
company never opened and denied recieving my papers for dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: IN

Complaint narrative:
XXXX XXXX Last 4 of my SS XXXX XXXXXXXX Date : XXXX This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them.

If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-23 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: IN

Complaint narrative:
XXXX XXXX Last 4 of my SS XXXX XXXXXXXX Date : XXXX This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them.

If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation