vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX my late husband, XXXX XXXX, secretly took out a {>= $1,000,000} Wells Fargo XXXX on our family home in XXXX XXXX. I was not on the title, had no income to qualify, and did not even know this loan existed until XXXX, when Wells Fargo called me asking about payments. I told them immediately that I had no knowledge of any such loan and had never signed anything. The bank therefore knew I was not a borrower or guarantor, yet it treated the loan as valid. 

In XXXX I visited the XXXX XXXX branch after years of phone attempts and was told that all Wells Fargo records prior to XXXX were destroyed. I have repeatedly requested the complete loan file, including the note, deed of trust, title, escrow, and disclosures, but have never received them. A court evaluator who reviewed the two-page file I was shown in XXXX called it fraudulent, noting that a genuine $ XXXX loan would have dozens of pages. 

My husband took his life for financial reasons after this fraudulent loan, leaving me and our son without a home and with a {$360000.00} IRS debt. I am asking Wells Fargo to produce the full XXXX XXXX file or certify when and how it was destroyed, confirm that I was never a borrower, and provide restitution if fraud is confirmed.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I have incorrect information showing on my credit file. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. Please remove any other address. I would like a block on my file and a PIN number to secure the integrity of my personal and financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Information on XXXX  is fraudlent and stop bank accounts from being open. Wrong information being reported

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to express my concern regarding a credit limit increase that was applied to my Capital One account without my request or clear understanding of its potential impact.

At the time this increase was granted, I had been consistently making only the minimum required monthly payments and was already struggling financially. Despite that, my credit limit was raised, which contributed to additional financial strain and difficulty managing my balance.

I believe this increase should have been reviewed more carefully, considering my payment history and visible signs of hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
The credit XXXX, Equifax, and XXXX willfully failed to comply with their obligations under the Fair Credit Reporting Act. Despite my formal disputes submitted in XX/XX/year>, they continue to report materially inaccurate and unverifiable information, including erroneous XXXX student loan accounts, a false XXXX balance XXXX and unauthorized XXXX  inquiries from XXXX XXXX  and XXXX XXXX. 

No lawful verification or reinvestigation results were provided within the statutory XXXX period. Their continued reporting of unverified data constitutes clear noncompliance under 15 U.S.C. 1681i and 1681e ( b ). I am requesting immediate enforcement action compelling deletion of all unverifiable entries and full compliance with XXXX  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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: WA

Complaint narrative:
XX/XX/XXXX Halsted financial threatened lawsuit for XXXX XXXX XXXX card XX/XX/XXXX harassment Halsted for XXXX XXXX XX/XX/XXXX Halsted financial harassment for XXXX XXXX XX/XX/XXXX Halsted financial on behalf of XXXX XXXX XXXX XXXXXX/XX/XXXX Halsted financial more harassment threatening lawsuit for XXXX XXXX XXXX from texting to emails to a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am deeply troubled over the OUTRAGEOUS conduct by PayPal. Out of nowhere and with XXXX  stimulus from me ( really! ) PayPal CLOSED down my account which has a balance of OVER {$7500.00} of MY money. I sent emails and emails to them that this is MY money and with ZERO warning, they closed it down. I even told PayPal that funds are NOT to be seized. Possible examples include Social Security payments, un-employment benefits, etc. I NEED access to MY money for day to day expenses as well as to explore MEDICAL treatment ( s ) fro my adverse medical conditions and/or DISABILIT ( IES ). This OVER {$7500.00} is MY money and PayPal has ZERO right to SEIZE my money from me! Please help on this IMMEDIATELY and ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AVANT LLCXXXX failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AVANT LLCXXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

AVANT LLCXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a fraudulent student loan account reported by XXXX XXXX XXXX Florida XXXX XXXX on my Experian credit report. 

Although I opened the account through Florida XXXX XXXX, the institution was later found to have engaged in fraudulent and deceptive enrollment practices, which misled students into taking out loans under false pretenses. 

I have already disputed this account with Experian, but they refused to remove or block it, even after I provided evidence that Florida XXXX XXXX was investigated and sanctioned by the XXXX XXXXXXXX XXXX XXXXXXXX for XXXX. 

This situation has damaged my credit and is unfair because I did not receive legitimate educational services nor fully understand the loan terms due to the schools deceptive conduct. 

I am requesting that the CFPB review this matter and require Experian and XXXX to remove or correct this fraudulent account from my credit report under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-17 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: NY

Complaint narrative:
Duplicate charge-off reporting and willful misrepresentation of a single debt TransUnion is allowing two separate tradelines to remain for what is clearly the same account. One tradeline lists XXXXXXXX XXXX  as the creditor, and the other lists XXXXXXXX XXXX XXXX 

The account was transferred around XXXX or early XX/XX/2025 when XXXX exited the credit-card business. Despite that transfer, TransUnions file now shows both XXXX and XXXX continuing to report monthly charge-off updates, as if two independent charge-offs occurred. 

Timeline of conflicting reporting : XX/XX/2025 XXXX reports a late payment. 

XX/XX/XXXX XXXX reports the account as charged off. 

XX/XX/XXXX XXXX reports the same account as charged off. 

XX/XX/XXXX XXXX reports another charge-off update. 

XX/XX/XXXX XXXX  repeats yet another charge-off notation. 

XX/XX/XXXX XXXX again reports a new charge-off month. 

This parallel reporting is deceptive and damaging. Both furnishers appear to be aware of each others activity yet continue to post new derogatory data. That is not a transfer delay or clerical overlap ; it is knowing misrepresentation. 

I have confirmation from XXXX XXXX XXXX that XXXXXXXX Bank  is the true owner. Therefore, XXXXXXXX Bank no longer has any legal or factual basis to furnish data at all. TransUnions failure to identify and remove the duplicate tradeline violates the Fair Credit Reporting Act 1681e ( b ) and 1681i.

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 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN, XXXX XXXX XXXX Date : XX/XX/XXXX CREDIT BUREAU SYSTEMS XXXXXXXX XXXX XXXX XXXXXXXX, Ky, XXXX Subject : Formal Dispute of Inaccurate Collection Account Reporting To Whom It May Concern, I am writing to dispute the accuracy of a collection account that appears on my credit report. This entry is incorrect and/or not properly verified, and I am requesting an immediate investigation under the Fair Credit Reporting Act ( FCRA ), Section 611.

The collection account I am disputing is listed as follows : Creditor/Collection Agency Name : CREDIT BUREAU SYSTEMS Date Opened : XX/XX/XXXX Amount : {$500.00} This account is either : Not mine, Inaccurate, Or not properly verified with supporting documentation. 

Under the FCRA, I am requesting that you conduct a full investigation and verify the accuracy and legitimacy of this account. If the information can not be verified, it must be removed from my credit report. 

Please respond with the results of your investigation within 30 days, as required by law. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2025, I submitted an urgent request to my bank for sameday access to {$25000.00} in operating funds for payroll and vendor obligations. I provided all supporting documentation, including photo ID, EIN verification, three months of business bank statements, three months of merchant processor statements, and top unpaid invoices. Despite submitting this request directly to the branch and to Business Banking Escalations, the bank did not post the funds, nor did they provide a written explanation of any reason for delay or denial. This lack of timely access to funds caused immediate operational risk, including potential payroll failure and vendor contract disruption. Multiple attempts to escalate via phone and secure messaging have not produced a resolution.

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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
( XXXX ) Took an auto loan through deler from Bank of America. Paid the entire loan off ~ XX/XX/XXXX. 
( XXXX ) XXXX week later, I noticed that my online account was closed and lost access to all the account details. I have not received any email or XXXX copy informing me that loan was paid off or any mention of how I can get the title. 
( XXXX ) XXXX weeks later, I called them up. They were able to retrieve my account details and was told that I need to wait until XX/XX/XXXX to receive the title. 
( XXXX ) After waiting for XXXX more days after XX/XX/XXXX, On XX/XX/XXXX, called them up again. I was told that I was given wrong info; I need to send a copy of XXXX XXXX, a request o send XXXX XXXX letter to " XXXX '' with the subject " need XXXX release for XXXX XXXXXXXX ''. I was told that they will acknolwedge the receipt immediately and will send the letter. 
( XXXX ) Waited till XX/XX/XXXX and when I did not receive any response, called again. I was told that they reached the dealer for a copy of the title and that the investigation due date was XX/XX/XXXX. There was no record of me sending a copy of the title. 
( XXXX ) My temporary license is expiring on XX/XX/XXXX and now I have to park my car in my garage till this case is completed. I lost confidence in Bank of America and hence reaching out to you for help. Thank you for anything you can do. Regards, 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or around XX/XX/year>, I submitted a written request to TransUnion under XXXX XXXX of the Fair Credit Reporting Act to block a fraudulent XXXX XXXX XXXX XXXX ( XXXX XXXX ) account that appeared on my credit report. I provided all required documentation, including my FTC Identity Theft Report, police report, and proof of identity. 

According to the law, once a credit bureau receives an identity theft report, it must block the fraudulent account within XXXX business days. Instead, TransUnion sent a response declining my request, claiming that the documents I submitted were not acceptableeven though they were the official documents explicitly required by the FCRA and accepted by other credit bureaus. 

This account was opened without my authorization and is the result of identity theft. I already submitted proper documentation and followed every step outlined by federal law. XXXX refusal to block or remove the account violates my rights under FCRA 605B.

I am requesting that TransUnion immediately block and delete the XXXX XXXX XXXX XXXX account, stop reporting it to any third parties, and provide written confirmation of the deletion. If TransUnion continues to refuse compliance, I intend to pursue further legal action. 

Dates of key actions : XX/XX/year> Submitted FCRA XXXX XXXX request with FTC report and police report XX/XX/year> Received TransUnions refusal letter claiming documents were not accepted Supporting evidence : XXXX XXXX XXXX delivery proof, FTC Identity Theft Report, police report, and prior correspondence

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 2025-10-17 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: TX

Complaint narrative:
I am extremely frustrated seeing that the inaccurate accounts are still on my credit reports despite everything. I am begging that my attached documents be carefully reviewed so I can finally stop living with this constant 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 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I received a debt collection notice dated XX/XX/year> from XXXX XXXX XXXX XXXX ( XXXX XXXX ) for {$1600.00} related to a City of XXXX XXXX XXXX XXXX XXXX bill dated XX/XX/year>. 

On XX/XX/year>, I spoke with XXXX  by phone, and they asked me to provide my insurance information. They stated that they would send me a physical form to submit that information because they did not have an electronic process. 

I received their form, completed it, and sent it back by XXXX Certified Mail on XX/XX/year> ( proof of certified mail attached ). Despite that, XXXX issued the attached collection notice on XX/XX/year>, before my insurance claim was processed or even filed. 

When I called again after receiving the letter, XXXX confirmed that they filed the insurance claim only on XX/XX/year> and told me to ignore the collection notice. This means they initiated a collection while insurance adjudication was still pending, which is both premature and misleading. 

Under CFPB and credit-bureau medical-debt rules, medical debt can not be reported until insurance and appeals are fully resolved and at least 12 months after the date of service. The attempt to collect and potentially report this account within five months of the XX/XX/year> service violates those standards and caused unnecessary stress and harassment. 

Please see attached : 1. Copy of the debt-collection letter dated XX/XX/year> 2. Copy of the XXXX Certified Mail receipt ( XX/XX/year> ) proving I sent my insurance information

Company response to consumer: Untimely response