vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/XXXX I requested for the PMI to be removed from my Bank of America conventional loan via phone. BOA asked for me to send in a check for the evaluation fee along with the mailed paperwork. XX/XX/XXXX Bank of America cleared the check for the evaluation fee. XX/XX/XXXX Bank of America acknowledge payment receipt for the property evaluation. XX/XX/XXXX I received a call from XXXX XXXX to schedule the evaluation for XX/XX/XXXX. XX/XX/XXXX XXXX XXXX conducted the evaluation and mentioned he will submit the report no later than by XXXX and to call the bank to find out if it was received. XX/XX/XXXX I called Bank of America regarding the evaluation and was told it was sent out in the mail. I asked the agent for the evaluation amount as I already have her on the line. She told me the evaluation amount. I told her the amount was undervalued. She mentioned to wait until I receive the printed valuation which was sent out in the mail. Once I receive it, to then review it and if I disagree then call back and request a re-evaluation. I can even request a refund for the evaluation fee. XX/XX/XXXX I received the letter for the printed evaluation which was dated on XX/XX/XXXX. XX/XX/XXXX I called Bank of America for directions on how to dispute the low evaluation amount for my property value. I was first told inaccurate information for me to mail my contested response to XXXX TX, but then the agent corrected the information to I will be reached out to by the PMI back office. I received the confirmation number and was then told within 5 business days I will receive further instructions. XX/XX/XXXX I followed up again with Bank of America via phone for the next steps since I did not hear from anyone. The agent said I will receive an email on the next steps. XX/XX/XXXX BOA sent secure message for me to respond with accurate comparable. XX/XX/XXXX I responded to the secure message with several comparable homes within my neighborhood. XX/XX/XXXX I called BOA for status on my response. I did not receive any status update but was told I will receive an email update by Tuesday XX/XX/XXXX. XX/XX/XXXX I called BOA for status as I did not receive an email update on the disputed evaluation amount. Agent XXXX ( XXXX XXXX XXXX ) requested an escalation for response on the disputed evaluation. I received the confirmation # for the escalation. I requested for the evaluation fee to be refunded. Spoke to the supervisor, XXXX XXXX ( XXXX, TX ) who also submitted an expedited note on top of the escalation. Supervisor mentioned I should receive an email update within 3 business days as it is being escalated as normally the response time is 5 business days.

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 2026-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2026-04-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2026-04-21 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: PNC Bank N.A.
State: PA

Complaint narrative:
I use PNC, on multiple occasions I have basically had a total on about XXXX or XXXX separate dates to which I submitted disputes for transactions that were made to XXXX ( which is classified by PNC as a " regular merchant '' that I use. These totals come up to just under {$120000.00}. The most recent being for {$29000.00} that were 11 transactions that were made within an extremely short amount of time, however I was never contacted by the fraud department. At no point did anyone in the back office do their job correctly. All I would get back is a decline to my disputes because they were " Authorized transactions ''. I have been lied to on a recorded line many more times than I thought was possible, from the lowest level of support, all the way up to the tier 3 executive relations. This tells me that they are 1. Unsure of their own guidelines 2. Unsure about the laws in the banking sector and 3. Refuse to acknowledge when they are wrong. I studied in XXXX XXXX and also have knowledge in cyber security, which I brought to their attention being that it is extremely easy to get access to someone's account and so on and so forth. All of that was said to no avail, they in turn are basically calling me a liar, I have done quite literally everything in my power to go through the steps that PNC requires to try and dispute charges. Once again, I get turned down due to them saying that they were " Authorized transactions '' no other details to it. I even have a VIP Host with XXXX. My account history actually shows a large increase in the number of deposits larger than the amounts that were being withdrawn, and for someone to be able to hack my account that I have been using for a very long time, then my own personal bank PNC just allowing this to happen and not have my back as my own financial institution. This has been going on as of pretty much XXXX of XXXX until right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Case id XXXX They restricted my card ending in XXXX. My card that ends in XXXX is my XXXX bank card and thats the only card I use to make my credit card payments ive used this card for almost a year paying my credit cards to them and the only card ive ever used and there telling me it's not my account. Than they wanted a bank statement It doesnt allow you to upload the file because it's too big than I sent screenshot of it there still telling me that its not my account than I called XXXX had them send me my statement which is the same thing I downloaded and sent screenshot of and there still telling me its not my account. I did everything they wanted yet they still have my account restricted yet also still took my payment from my XXXX card while on restricted. This issue is still on going and theres nothing else I can do but contact you guys or get a lawyer not sure but I want an immediate lift on my account to be unrestricted if you guys can help thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: IL

Complaint narrative:
XXXX. I purchased a patio set from XXXX and used/opened a XXXX credit card. XXXX was unable to fulfill my order so I requested a refund. XXXX granted the refund considering I never received the patio set. The credit card was refunded and had a XXXX balance. The credit card was closed in XXXX XXXX, never being used again. Now on my credit report, there is a collection of the amount for the patio set.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in response to claim # XXXX that was already closed. Id like to formally dispute this. I am submitting an update regarding my complaint against Wells Fargo. Wells Fargo has denied my fraud claim, stating that the transactions were authorized because my debit card was in my possession and that the transactions were conducted using a device associated with my account. However, these were recurring digital charges from XXXX that do not require physical possession of a debit card once initiated. Therefore, card possession is not evidence of authorization. Additionally, Wells Fargo has not provided any verifiable evidence demonstrating that I authorized these transactions. Specifically, they have not provided : The XXXX ID or account associated with the charges Any IP address or device data linking the transactions directly to me Any proof of authentication or consent for these recurring charges A vague statement that a device associated with my account was used does not meet the burden of proof required under the Electronic Fund Transfer Act ( Regulation E ). I also do not recognize or have access to the XXXX account associated with these charges, and I did not benefit from these transactions. I am requesting : A full reinvestigation of my claim Documentation supporting their determination of authorization Reimbursement of the remaining unauthorized transactions Wells Fargos conclusion appears to rely on assumptions rather than evidence and does not comply with Regulation E requirements for unauthorized electronic fund transfers.

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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I did not have any credit card debt with Capital One like this debt collector is claiming. They have falsified information. I have written proof that I wasnt even approved for a credit card, and never had any opportunity to accrue any debt with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CADENCE BANK
State: MS

Complaint narrative:
Cadence bank calls me daily and I offer to pay with debt card and they refuse to take a payment by phone with debit card. Its quicker to process a payment with a debit card than with account and routing number. They have made it hard to pay them by phone. And they wont let me set up auto pay with my debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have an XXXX-insured mortgage serviced by UWM. From XXXX into early XXXX, multiple UWM representatives told me loss mitigation required missing two payments. I continued paying on time for many months based on that guidance. After a layoff and personal injury in XX/XX/XXXX, I missed payments in XXXX and XX/XX/XXXX, following UWM 's own instructions. During this period I was also managing ongoing medical treatments following a prior injury, compounding the financial hardship. In XX/XX/XXXX, a UWM representative verbally confirmed Loss Mitigation approval. Multiple reps confirmed active status throughout XXXX, citing 12-18 month duration. No written confirmation was ever provided, as required under FHA Handbook 4000.1 and RESPA. In XX/XX/XXXX, UWM sent a default notice during what they verbally confirmed was active forbearance. In late XXXX, a rep characterized the account as debt collection while simultaneously confirming active Loss Mitigation status. In XX/XX/XXXX, I submitted a new loss mitigation application. In XX/XX/XXXX, UWM denied all retention options and offered only short sale or deed-in-lieu. My appeal was denied in XX/XX/XXXX with no substantive response to my written requests. A representative shouted at me that a lump sum was required to resume payments, which contradicts FHA policy. UWM applied XXXX XXXX ( effective XX/XX/XXXX ) to deny options under a Loss Mitigation approval from XX/XX/XXXX, raising a retroactivity concern. I was never presented the FHA loss mitigation waterfall as required under 24 CFR 203.501 and FHA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please refer previous CFPB complaint # XXXX I have Bank of America XXXX XXXX XXXX XXXX XXXX XXXX. They have made it so complex to reach out to a human customer service. So much robots and automation. I can not even make a payment on my own using the website- as there is no option for paying using the savings bank account - only checking and money account. Very weird bank. Call the toll free # XXXX you will end up dealing with robots or chat bots or IVR Finally connected with some lady - who told me the reason why I am only seeing checking and money market account as the drop down because this is a personal profile and told me to login using my business profile. I asked her to wait and logged in with my business profile- it was not working. She asked me to enroll again- which i tried but upon doing that it says that card is already enrolled- yes it is already enrolled to personal id. For which i was transferred once again - least to know that it is around 45+ minutes of wait and then call is dropped from Bank of america side with no call back after that. Essentially i am totally blocked in terms of making payment to this card. Why Bank of america making it so complex? I am single member LLC? One should have seamless way of making payment to their credit card. Why there is such a shortage of staff to deal with the customers? Very short staffed in terms of customer service.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance Identity Theft, Fraudulent Account, and Demand for Full Accounting I am filing this complaint against Capital One Auto Finance regarding a fraudulent account opened and reported in my name without my knowledge, authorization, or consent. According to my Identity Theft Report filed with the Federal Trade Commission ( Report Number : XXXX ), unauthorized parties used my personal identifying information to open and maintain an account with Capital One Auto Finance, identified as account number XXXX, with fraudulent activity beginning around XX/XX/year> and a reported amount of approximately {$18000.00}. I have provided a sworn Identity Theft Affidavit and supporting documentation establishing that I did not authorize, consent to, or benefit from this account. Despite this notice, the account continues to be associated with my name and credit profile, causing ongoing harm. I am hereby demanding a full accounting of this alleged obligation, including but not limited to : Identification of the true current owner and holder of the alleged debt A complete chain of title, including any transfer, assignment, sale, or securitization of the account All records evidencing how any interest was created, conveyed, or claimed against me Copies of any original application, contract, or instrument bearing my alleged signature Verification of how my identity was authenticated at the time the account was opened A complete ledger showing all transactions, charges, payments, and adjustments You are required to conduct a reasonable investigation, ensure maximum possible accuracy in reporting, and refrain from furnishing information that can not be verified. Any continued reporting or collection of a fraudulent account after receiving notice and supporting documentation constitutes willful misconduct and a failure to uphold your obligations as a furnisher of consumer information. I demand the immediate removal of this fraudulent account, cessation of all reporting and collection activity, and written confirmation that this matter has been corrected. Failure to comply will result in further administrative and legal action for damages caused by inaccurate reporting, failure to investigate, and continued harm to my consumer profile. I expect a timely response and full resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief