vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint to raise concerns about XXXX XXXX and Bank of Americas policies, which I believe unfairly restrict consumer choice, violate personal privacy, and coercively limit the financial autonomy of non-employee family members of BofA employees. 

Ive held a brokerage account with XXXX XXXX for nearly 20 years. My investing behavior has been simple and consistent : Ive only held two broad-market XXXX XXXX XXXX XXXX XXXX ), with no trading activity that would raise insider trading concerns. 

I now want to move my account to XXXX XXXX, where I do the rest of my banking, and where I believe I will receive better service. That decision is not just about preference Ive recently experienced significant delays and failures while trying to make retirement contributions through XXXX, and I should be free to leave based on poor service alone. 

However, because my spouse works at Bank of America, I know that any transfer request will be subject to XXXX internal exception process. Ive been through that process before and know it to be vague, burdensome, and inconsistent. Ive previously received exceptions for specific investments but was denied the ability to manage my broader portfolio freely. I should not have to go through that process again just to make a basic financial decision. 

Worse, the process requires disclosure of my spouses identity and employment details. As a non-employee, I find that requirement to be an unjustified invasion of my privacy. Im not asking for special treatment Im asking to be treated like any other consumer with the right to choose where I manage my finances.

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 2025-04-05 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Received a collection notice from MIDLAND CREDIT to collect a debt that is not recognized be, MIDLAND CREDIT has violated my rights under 15 USC 1692 and does not have consent to have or use my personal information, and also 15 USC 1692j for using deceptive forms in an attempt to collect debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is an incorrect address on my credit report that Experian is refusing to remove. I provided Experian with a photo ID and utility bill showing my correct address. There should not be any other addresses associated with my consumer report. See attachments.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To whom it may concern : I am writing to formally request a second review and reconsideration of my prior fraud claim, which was recently denied. I believe that the initial decision did not fully take into account the evidence supporting my claim, and I am providing documentation to demonstrate that I was a victim of an online dating scam, resulting in financial losses totaling over {$3000.00}. 

I have filed an XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) report with the same information. I am also aware that I need to file a police report with the XXXX XXXX XXXXXXXX XXXX XXXX department XXXX I will be filing shortly and providing a copy of the report. 

The fraudulent transactions in question were made under false pretenses by an individual who manipulated me through an online dating situation/relationship. 

As a result of this scam, I unknowingly transferred funds to this person via XXXX and by accepting/depositing a check believing their claims to be legitimate. Attached to this letter, I have included all relevant documents, including : * Communication records with the scammer, demonstrating their fraudulent intent. 
* Bank statements highlighting the unauthorized transactions. 
* Any additional supporting documents that validate my claim. 

Given the overwhelming evidence of fraud, l respectfully request that Navy Federal Credit Union reopens my claim, makes an amendment to my prior claim to include all amounts lost and conducts a thorough reassessment. I trust that your team prioritizes protecting customers from fraudulent activity, and I hope for a fair resolution in this matter. 

Please confirm receipt of this request and provide any updates regarding the reconsideration process. You may contact me at or by email at -should you need any further information. 

Thank you for your time and assistance in reviewing my case. I appreciate your reconsideration and look forward to your prompt response. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Immediate Removal of Medical Debt from Credit Report Violation of FCRA & New Medical Debt Reporting Rules Dear CFPB Representative, I am filing a formal complaint and dispute regarding medical debt that is being reported on my credit file by [ Insert Name of Creditor or Collection Agency ]. This debt is illegally and inaccurately reported, and I am demanding its immediate deletion from all consumer credit reporting agencies. 

Grounds for Dispute : 1. Violation of the Fair Credit Reporting Act ( FCRA 605 ( a ), 607 ( b ), 611 ) Medical debt is subject to strict legal standards before it can be reported. The Fair Credit Reporting Act requires that all information furnished to credit bureaus be accurate, complete, and verifiable. This debt is : Unverified Not itemized or supported by proper billing documentation In violation of the grace periods and limitations for reporting medical debt 2. Violation of the National Credit Reporting Rules on Medical Debt ( Effective XX/XX/XXXX ) According to updated guidance from the Consumer Financial Protection Bureau and new policies implemented by XXXX, XXXX, and XXXX, the following applies : Paid medical collections must no longer be reported There is now a one-year waiting period before unpaid medical debt can appear on a credit report Starting in XXXX, medical debts under {$500.00} are not to be reported at all The reporting of this medical debt violates these new provisions. It is either under the {$500.00} threshold, beyond the permitted time frame, or was already resolved. 

3. HIPAA and Privacy Rights No documentation has been provided showing valid HIPAA-compliant authorization to share my protected health information with credit bureaus or third-party collectors. Sharing this information without proper consent is a violation of federal privacy laws and my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). 

4. Emotional and Financial Harm The inclusion of this medical debt on my credit report has caused significant harm to my financial standing, emotional well-being, and access to housing and credit. This is especially egregious considering the evolving federal stance against the weaponization of medical debt.

Action Requested : Immediate removal of all medical debt accounts being inaccurately reported A full investigation and written explanation within the time period required by law under FCRA 611 Notification to all credit bureaus ( XXXX, XXXX, XXXX ) of this deletion A copy of my corrected credit report reflecting the removal I am attaching relevant documentation and a copy of my current credit report showing the disputed account. I expect prompt and complete resolution of this matter, or I will be forced to pursue all legal remedies available. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: AR

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
I need you to remove this account from my credit since it is not mine. 
They didn't even tell me about this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Removal of Medical Debt from Credit Report Violation of FCRA & New Medical Debt Reporting Rules Dear CFPB Representative, I am filing a formal complaint and dispute regarding medical debt that is being reported on my credit file by [ Insert Name of Creditor or Collection Agency ]. This debt is illegally and inaccurately reported, and I am demanding its immediate deletion from all consumer credit reporting agencies. 

Grounds for Dispute : 1. Violation of the Fair Credit Reporting Act ( FCRA 605 ( a ), 607 ( b ), 611 ) Medical debt is subject to strict legal standards before it can be reported. The Fair Credit Reporting Act requires that all information furnished to credit bureaus be accurate, complete, and verifiable. This debt is : Unverified Not itemized or supported by proper billing documentation In violation of the grace periods and limitations for reporting medical debt 2. Violation of the National Credit Reporting Rules on Medical Debt ( Effective XX/XX/XXXX ) According to updated guidance from the Consumer Financial Protection Bureau and new policies implemented by XXXX, XXXX, and XXXX, the following applies : Paid medical collections must no longer be reported There is now a one-year waiting period before unpaid medical debt can appear on a credit report Starting iXXXX XXXX XXXXedical debts under {$500.00} are not to be reported at all The reporting of this medical debt violates these new provisions. It is either under the {$500.00} threshold, beyond the permitted time frame, or was already resolved. 

3. HIPAA and Privacy Rights No documentation has been provided showing valid HIPAA-compliant authorization to share my protected health information with credit bureaus or third-party collectors. Sharing this information without proper consent is a violation of federal privacy laws and my rights under the Health Insurance Portability and Accountability Act ( HIPAA ).

4. Emotional and Financial Harm The inclusion of this medical debt on my credit report has caused significant harm to my financial standing, emotional well-being, and access to housing and credit. This is especially egregious considering the evolving federal stance against the weaponization of medical debt. 

Action Requested : Immediate removal of all medical debt accounts being inaccurately reported A full investigation and written explanation within the time period required by law under FCRA 611 Notification to all credit bureaus ( XXXX, XXXX, XXXX ) of this deletion A copy of my corrected credit report reflecting the removal I am attaching relevant documentation and a copy of my current credit report showing the disputed account. I expect prompt and complete resolution of this matter, or I will be forced to pursue all legal remedies available. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had several nasty interactions with this bank. Everything from denying me handicapped access to banking, refusal of payments, false and doctored resolution letters. I can diffinitivly 100 % percent with out a doubt prove everyone of my previous complaints with a audio and video of each and every encounter iv written a complaint against. 
( please see complaint number XXXX for exact times, date and names of specific persons ) Wells fargo has out right refused my request and cited i get a warrant for the requested info!! A WARRANT! That statement alone proves the wrong doing on there part and they are scared to death to acknowledge my simple request. I will not stop submitting these complaints until I get the I info I have a constitutional legal right too! I will also be filing complaints with FDIC, XXXX  and will be emailing my congress man.

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 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a seller on the XXXX platform. I sold two large items to a buyer some time ago. After receiving the goods, the buyer complained that the goods were different from what he wanted. Then the buyer asked XXXX to refund him the full amount. XXXX refunded the buyer the full amount. However, the buyer did not return the goods to me, which caused me to lose the goods. XXXX should be responsible. They should not have refunded the buyer the full amount before I received the returned goods. 
The XXXX XXXX XXXX As a result, my current account has been restricted by the platform, and the balance in my wallet has become negative, making it impossible to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica

Complaint narrative:
On XX/XX/year>, I logged into my XXXX XXXX card account app, and my balance was {$900.00}. 

On the said day, XX/XX/year>, at about XXXX XXXX, I again logged in, this time my balance was {$790.00}. 
I then called XXXX XXXX and ask them why {$100.00} was taken from my XXXX XXXX card account. 
In the said conversation, with XXXX XXXX, I told them that I had {$900.00} in the morning, and now my balance is {$790.00}. 
I also told XXXX XXXX that, I don't have a XXXX XXXX card. The new card was sent to me via XXXX, and I have not yet received the new card. I only have access to my account through XXXX XXXX app. 
I was then transfered to the fraud unit. 
I spoke to the fraud unit. After giving all information, I explained to the fraud unit that {$100.00} was taken from my XXXX XXXX card account, and I don't know what was it for. 
The fraud unit requested the front, back, and the biographical page of my XXXX XXXX, and give me an email address ( XXXX ) A complain number was given to me ( XXXX ) On XX/XX/year> at XXXX pm, I sent all copies of my passport and all other information requested. 
On the XXXX XXXX 2025, I received an email from XXXX XXXX/I 'd verification that my ID submission was approved, and I should call XXXX XXXX. 
On XX/XX/XXXX I called XXXX XXXX, and I told them I was asked to call XXXX XXXX. 
I explained again, and complained about my {$100.00} that was taken from my XXXX XXXX card account. 
Please investigate the matter for, so my $ XXXX {$17.00} leaving a balance of {$89.00} to be credited to my XXXX XXXX card account. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I own a small business in which I used venmo to operate, and everything has gone smooth up until today. I've withdrawn dozens of times without issues, and for the past week venmo has allowed me to request withdrawals and stalled them without giving me any sort of notice or message. Prior to my suspension, I withdrew over {$3400.00} to my bank with some wires having estimated landings of XX/XX/XXXX. Not only did the wire fail to land XX/XX/XXXX, they allowed me to keep requesting money to be withdrawn and accept payments all while knowing what was impending for my account. I request an immediate release of all of my funds and I am willing to provide anything, from customer testimonies to personal one on one calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

Account Name : XXXX XXXX - Date Opened XXXXXX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>XXXX TransUnion

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently, I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account number 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 2025-04-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had XXXX store accounts with Synchrony Bank that were closed by them in the last 2 years. One was with XXXX XXXX and XXXX with XXXX XXXX XXXX  XXXX. All my payments were on time and the XXXX XXXX card had a XXXX balance when it was closed. This has caused a significant decrease in my credit score. They sent a general message saying due to random checks of accounts they decided to close my account. I reached out for further answers and was given the same generic answer.

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