vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one decided to end banking relationship with me due to too many claims or fraud alerts being submitted I was advised my regular biweekly employement direct deposit, auto-pays, withdrawals & deposits would no longer occur due to the account being closed on XX/XX/XXXX However they still accepted my direct deposit of over {$2000.00} when multiple of their managers over the phone said not to worry it will be denied and not direct deposited into my account. Which I would then have just dealt with my payroll and got paid in a timely manner. But now my pay of $ XXXX is stuck in their closed account and they just keep saying it will be mailed out when the account is fully closed in their system. Ive gotten mixed time frames from 3-5 business days upto 90 days! Completely unacceptable. It has been almost a week and they dont give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went in to the XXXX XXXX XXXX Bank of America around XXXX. I was involved in a car accident and recieved a check for my settlement. The check was issued from XXXXXXXX XXXX and Bank of America issued the check. I took the check into Bank of America to cash it figuring it would be easier for them to cash since they wrote the check. The check is under XXXX XXXX dollars. They refused to cash the check after they typed all over the back of the check because they couldnt verify the check! XXXX banks with them Bank of America issued the check I really do not see the issue with verifying the account. The branch manager ( XXXX XXXX XXXX ) and older white haired XXXX American lady refused to cash the check claiming they need to see pictures of similar checks!! They made it seem like I am scamming them. I really feel this is discrimination because the check is 110 % legit, a simple look up the account number would verify this. Since when we do need pictures of similar checks? Car accidents happen daily I am sure there are millions of similar checks!! They have ruined my check by typing on it, and no one will cash it when the issuing Bank will not cash their own check!! I am seriously considering legal action at this point.

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
The email I received is from Halstead Financial Services. First of all, the name is misspelled, used an address I've never been associated with. I believe they have confused me with someone else with the same or similar name. I've contacted the collector but they refuse to send me proof of this debt and it belonging to me. 
XX/XX/year> emailed from Halstead Financial and addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. This name is misspelled as well as I never had any association with this address nor this account. This is the last effort to try to get them to quits receiving collection letters as well as falsely reported to my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Bank and its attorneys are reporting inaccurate credit information in violation of the Fair Credit Reporting Act ( FCRA ). 

The account shows a last payment date of XX/XX/XXXX. XXXX XXXX statute of limitations on credit card debt is XXXX  years, which expired in XX/XX/XXXX. Despite this, Discover continues to report the account as past due as of XX/XX/XXXX, misleadingly suggesting the debt is still enforceable. 

Additionally, the bank statements provided do not list actual transaction activity, raising concerns of incomplete or inaccurate reporting. 

Law Violations : FCRA ( 15 U.S.C. 1681s-2 ) prohibits reporting information that is inaccurate or can not be verified.

FDCPA ( 15 U.S.C. 1692e ) prohibits false representation of the legal status of a debt. 
Reporting a time-barred debt as currently due or collectible also misleads creditors and violates consumer protection rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  XXXX account was deleted in reinserted back on to my consumer reports. According to 15usc1681i ( 5 ) ( B ) ( ii ) if deleted information is reinserted then the consumer reporting agency has to give me a 5 day notice, which I never received so that is a violation. In that case the account has to be removed from my report immediately. Also I was never late on this account, I was set up on a payment plan, and advised the payment plan would prevent from getting a late payment and I was never 30 days past due before the payment plan was even set up. Therefore the late payment needs to be removed immediately as it is inaccurate reporting. Please see attachment for proof of identity with my drivers license and utility bill, and proof of payment plan and account being deleted and reinserted without 5 day notice from all 3 credit bureaus.

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 2025-10-05 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: FL

Complaint narrative:
XXXX  XXXX account was deleted in reinserted back on to my consumer reports. According to 15usc1681i ( 5 ) ( B ) ( ii ) if deleted information is reinserted then the consumer reporting agency has to give me a 5 day notice, which I never received so that is a violation. In that case the account has to be removed from my report immediately. Also I was never late on this account, I was set up on a payment plan, and advised the payment plan would prevent from getting a late payment and I was never 30 days past due before the payment plan was even set up. Therefore the late payment needs to be removed immediately as it is inaccurate reporting. Please see attachment for proof of identity with my drivers license and utility bill, and proof of payment plan and account being deleted and reinserted without 5 day notice from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Google Compare Credit Cards Inc.
State: TN

Complaint narrative:
XX/XX/XXXX I got hired from a referral program that a third party of XXXX XXXX XXXXXXXX mailed checks XXXX  and XXXX gave me an password login account to get paid by XXXX XXXX XXXX and XXXX etc .. to copy videos and paste them to their network XXXX XXXX  per video uploaded and I earned XXXX dates and XXXX amounts totalled to {$520000.00} $ that the first transaction payment was scheduled XX/XX/XXXX last one was probably XX/XX/XXXX I have efts saved on phone then I saw each status got cancelled and fraud department were considered through breaches of contract then I realize I won a class member payout from cash app security settlement lawsuit that was approved XXXX XXXX XXXX  XX/XX/XXXX and payouts were court ordered by a administration of XXXX per class member of XXXX XXXX but known facts got authored that it's not a lot of class members and the whole XXXX XXXX won't get spent so i know for true events I'm able to get reimbursed all my money that is XXXX and plus it states that the administration person has ability to pay the rest of the XXXX XXXX XXXX  to charity and still have XXXX XXXX left over but being foreal when can i get paid

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request verification of this debt before taking any further action.

Please provide the following : 1. Proof that I owe this debt, including a copy of the original signed agreement.

2. A detailed account of the debt, including the original creditors name, account number, and a full breakdown of the balance.

3. Proof that you are legally authorized to collect this debt in my state.

4. A copy of any judgment ( if applicable ) that gives you the right to collect.

5. The date of the last payment made on this account.

Until I receive proper validation, I request that all collection activities, including reporting to credit bureaus, be halted as required by law. If you fail to provide sufficient verification, I expect this debt to be removed from my credit report. 
Please respond in writing within 30 days of receiving this letter. If you are unable to verify the debt, I request that you cease all collection efforts and update any reporting to the credit bureaus accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am having serious issues with Huntingdon Bank. Because I was only able to choose XXXX of your options I would like to elaborate everything has happened. 

I have had a checking account with Huntington Bank for less than a month. I had just received my debit card a little over XXXX weeks ago, since then someone has had gotten their hands on my car numbers and purchased over {$300.00} worth of items in Arizona. I live in XXXX Pennsylvania. I dont know how its possible for me to purchase items in Arizona and then less than XXXX minutes later. I try to purchase something in XXXX and my account has been cleaned out. After speaking with a customer service representative, it was like pulling teeth for me to get the fraudulent activity taken care of. It did not make any sense. It is not humanly possible to be in XXXX places at once let alone travel from Arizona to Pennsylvania in less than an Ian hour. 
They shoot a new debit card which I have not received yet. About XXXX after the fraudulent activity on my debit card, I had taken out all the money and moved it to a different Bank, so my balance would be {$0.00}, until the entire situation was figured out, and I received my new debit card. However, during this time, whoever has my account information attempted to wire up a little over {$800.00} in multiple transfers. As my bank setting state that if there is ever money going out, I receive an alert. I immediately called the bank. Once I receive the alert of a transfer and their response was to lock my account for XXXX hours. I have read many reviews on this bank ever since these issues happened and I am not very happy. I honestly do not know how they maintained to be in business. After all of these issues, I decided that I would like to close my account and bank elsewhere. Once I voiced my concerns to the customer service rep, they stated that I would need to go into the bank in person. However, the closest bank is in Ohio. I live in XXXX. They refuse to give me my XXXX direct deposits that were XXXX cleared on Friday, and or adamant that I need to travel out of state in order to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to XXXX express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to 1:2investigate my claims adequately. XXXX informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, regarding inaccurate and fraudulent information being reported on my credit file. This dispute also addresses noncompliance with XXXX XXXX reporting standards for accuracy, integrity, and completeness of furnished data. 

The item ( s ) I am disputing are the result of identity theft, and I have attached my FTC Identity Theft Report and supporting documentation verifying this claim. Under FCRA 1681c-2, credit reporting agencies and furnishers are required to block or remove all information that results from identity theft once an official identity theft report is provided.

Despite proper documentation, the disputed account ( XXXX ) remain on my file, which is a violation of both XXXX XXXX compliance requirements and federal consumer protection law. I am requesting that the disputed information be immediately deleted or blocked from my credit report in accordance with FCRA 1681c-2.

Please provide written confirmation once the following actions are completed : 1. The fraudulent account ( s ) have been permanently deleted or blocked.

2. Notification has been sent to all furnishers who reported the information. 
3. A copy of the updated credit report reflecting these corrections has been mailed to me.

Failure to comply may result in further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Thank you for your attention and prompt compliance. 

Sincerely, [ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX ] [ XXXX, AZ, XXXX ] [ XX/XX/XXXX / XXXX ] [ XX/XX/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 2025-10-05 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: Consumer Financial Services Solutions, Inc.
State: MI

Complaint narrative:
b'Consolidation company took extra payments money without permission'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-05 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX  and Navy Federal Credit Union are inaccurately reporting late payments on a closed account. 

My Navy Federal credit card ( XXXX ) was closed by the credit grantor on XX/XX/XXXX, but XXXX, XXXX, XXXX  and Navy Federal continues to report 3060 day late payments in XXXX. Once an account is closed, no new delinquencies should be reported. This violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 623 ( a ) ( 2 ), which require furnishers and credit bureaus to ensure accurate and complete reporting. 

I disputed this directly with XXXX, XXXX  and XXXX  and the result was recorded as Dispute resolved subscriber disagrees. However, the error remains, and the account is still showing inaccurate late payments. 

I am requesting the CFPBs assistance to have this information corrected so that the account accurately reflects its final, lawful status : Closed by credit grantor No new late payments reported after XX/XX/XXXX Attached are screenshots from XXXX  and XXXX XXXX showing that the account is closed but continues to show new late payments after closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I had a extra charge on my card I reported. I didn't get credit for it instead I got notice that my account closes XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: AZ

Complaint narrative:
I disputed the P & B Capital Group collection account. P & B reports conflicting balances and delinquency dates, violating FCRA 607 ( b ). They have not validated ownership of the debt. Under 623 ( a ) ( 3 ) and 611 ( a ), unverifiable collections must be deleted from all bureaus. I have requested this collection be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have several hard inquiries from XXXXXXXX XXXX XXXX  on my personal credit report which were not authorized. The inquiries occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. This company was only authorized for XXXX inquiry for a business credit card which was issued based on the inquiry of XX/XX/XXXX. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX which were not authorized purpose being used, I do not recognize, and I was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have a hard inquiry from XXXX XXXX  on XX/XX/XXXX which was not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have XXXX hard inquiries from XXXX, both on XX/XX/XXXX, which were not authorized, I do not recognize, and was not informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau. I have a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which was not authorized nor was I informed of any credit reporting. Furthermore, no permission or consent was given for the company to share and report my personal and financial information with any credit bureau.

Company response to consumer: Closed with explanation