vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a late payment reported by Comenity Capital Bank on a credit card account that has been closed with a XXXX balance. 

Under 15 U.S.C. 1681 ( a ) ( 2 ), credit reports must reflect maximum possible accuracy. Reporting a late payment on a closed, zero-balance account without proof of proper notice or billing accuracy undermines this statutory requirement. 

Additionally, 15 U.S.C. 1681 ( e ) ( b ) requires that furnishers maintain reasonable procedures to assure accuracy. Comenity has not provided documentation establishing that the late payment was properly assessed, that a billing statement was delivered, or that the payment was not impacted by posting delays. 

This alleged delinquency has not been validated consistent with 15 U.S.C. 1692g, and its continued reporting constitutes improper debt-related communication under 15 U.S.C. 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 2025-12-18 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: VA

Complaint narrative:
I paid the full balance on my BJs Capital One credit card using my bank account via an ACH payment. After the payment was made, Capital One placed a spending restriction on my account despite the payment being successfully transmitted through the ACH network.

I was contacted by Capital One Financial Services and instructed to provide a copy of my personal bank statement to prove that the funds cleared my account. This request is unreasonable and inappropriate. ACH payments are traceable and verifiable through standard interbank channels, and Capital One has the ability to confirm settlement using ACH trace and confirmation data without requiring disclosure of my private bank statements. 

I do not bank with Capital One, and there is no legitimate need for Capital One to obtain, store, or compile my personal banking records from another financial institution. Requiring me to provide bank statements as a condition of restoring access to my credit card is excessive and raises concerns about data minimization and consumer privacy. 

To resolve this matter securely and efficiently, I requested a conference call between Capital One and my bank so a bank representative could directly verify that the payment cleared my account. Capital One refused this option and insisted I provide my bank statement instead. 

Additionally, I contacted Capital One twice requesting a return call to complete verification. During my most recent call, I was informed that Capital One can not guarantee that anyone will call me back. This is unacceptable, particularly given that Capital One initiated the restriction and is preventing me from using my account.

Capital Ones actions have resulted in an unjustified spending restriction, unnecessary delay, poor customer service, and an unreasonable demand for sensitive personal financial documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/year> followed truist formal process to ask for my pmi to removed from account. My loan is XXXX years seasoned conventional, XXXX of 78.38 %, and in good standing with no missed payments ever. On XX/XX/year> I received a letter from truist claiming I was ineligible for pmi removal. This does not make any sense as my loan clearly meets all requirements per homeowners protection act and is a clear violation of the hpa. Truist is claiming I am required to get a broker price opinion any way.

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 2025-12-18 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
I opened up a wisely by ADP card through my employer to receive my wages. On XX/XX/year> and XX/XX/year>, there were XXXX charges to my account of {$200.00} and XXXX failed attempt of {$200.00}. I only received a fraud alert after the XXXX attempt. My card was in my possession the entire time and I have never even been to the location of where my card was used. It says my card was used at an ATM in XXXX XXXX XXXX, NJ. They took a total of {$600.00} plus {$9.00} in ATM fees. I locked my card immediately and called wisely and all they did was send me a new card and begin the dispute process. They said it would take XXXX business days for me to receive my money. In addition, they told me they wouldn't even be including the {$9.00} ATM fees in the dispute which I found to be absurd because my card was clearly cloned and it's not my fault they took money out. The dispute process is very long and I can't wait this long to get my money back and wisely seems to not care at all. Other banks are not like this and had I known how bad their dispute process was in situations like this, I would have never signed up for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have encountered difficulties accessing my Equifaxaccount and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am disputing a {$39.00} charge ( currently totaling {$44.00} with collection fees ) from Sequium Asset Solutions on behalf of XXXX XXXX. This debt is a billing error. 

My XXXX XXXX line was an " Unlimited Free Line '' promotional offer bundled with my XXXX XXXX Internet plan. The promotion explicitly included unlimited data at no charge. I previously paid the required {$25.00} activation fee. 

I deactivated the line on XX/XX/year>. XXXX subsequently issued a final bill for {$39.00} for data usage. On XX/XX/year>, I communicated with XXXX XXXX Executive Resolutions ( XXXX XXXX. ) to dispute the charge, quoting the promotional terms. XXXX closed the case without addressing the promotional terms and transferred the balance to a third-party collector, Sequium Asset Solutions . I do not owe this debt as it contradicts the terms of my service agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} Inquiries : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX , Date : XX/XX/XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Student loan not yet refunded from Mohela student loan servicer after a year awarded by the school. On XXXX of XXXX I received a refund awarded by XXXX XXXX XXXXXXXX refundind a paid off student loan to Mohela. 
I called in XXXX of XXXX to Mohela and they told me it will take from XXXX to XXXX weeks to be processed. 
I called back in XXXX of XXXX and they told me it was not processed that it will take another XXXX to XXXX weeks. 
Called back in XXXX of XXXX and the told me they were going to rushed the process to call back XXXX to XXXX weeks. I called back on XX/XX/XXXX, they told me the amount that was going to be refunded to call back within XXXX business days. I called XX/XX/XXXX and the refund has not been sent to the treasury department, to call back in another XXXX business days, because it was an accounting issue. I don't know what else to do. They efused to give me an specific answer as why the refund has not been send to the treasury Department.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts The following charged-off accounts are listed on my Experian credit report, and I dispute their accuracy : XXXX Account number : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX Account number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX XXXX Account number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX request that these accounts be verified or deleted from my credit report if they can not be substantiated. 

Unauthorized / Unverifiable Inquiries At this time, there are no inquiries listed for dispute under Experian. 

XXXX XXXX XXXX The following account is reporting late payments that I dispute : 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously disputed late payment information that is being reported on my consumer file. The bureau was informed that this information is excluded from consumer reporting under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), yet the reporting continued. I then filed a second complaint for willful continuation of the violation, and the bureau still has not deleted the information. At this point, I am challenging the accuracy and verifiability of the reported data. The bureau has not produced any proof that the furnisher is legally authorized to report these late payments or that the data is verifiable through proper documentation. If the bureau can not produce validation, chain of custody, or authentication of the data furnished, then the information is legally unverifiable and must be deleted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please lift the secuirty freeze on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed in my credit report. These accounts are being reported inaccurately and should be corrected or removed as they do not accurately reflect the status of my financial situation. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I Mobil deposited my vacation /sick day bonus check into my chase acount XX/XX/XXXX at XXXX pm its now XX/XX/XXXX and they wont release any of it and say they are waiting on other bank it will clear on XX/XX/XXXX now i cant get XXXX presents for my kids and Ill have to cover overdraft from any bills that come out for a check i could have walked in and cashed at truist bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
About two months ago, Cash App decided they were going to shut my account down due to gambling I have never once used my Cash app for anything other than buying goods from private businesses. Sending my children money, sending my family money and my husband. I request requested information from Cash App disclosing where I was gambling. They could not explain to me verbally or in writing where I was gambling they just said that I was. I reported to Cash App at that same time. I was receiving a lot of fraudulent mail to my address in which I also reported to the post office. Cash App refused to put me through to anyone that wouldnt tell me the exact same thing over and over again. Ive filed several appeals because I am with 100 % certainty that I have never gambled in my entire life. Let alone used my cash app account for gambling. When I asked them to provide details about the supposed gambling on my account I was met with the exact same phrase. You have violated the terms of Cash App in reference to gambling they refused to put me through to anyone that has a better understanding or even some form of evidence of gambling. I am completely unaware of any gambling, even among my young sponsors I have on my account. The only thing that could potentially be a result of fraudulent activity was a single Cash App exchange for two dollars that someone had sent me and then canceled. It was from a sender that I did not have any former transactions with. Other than that, I have zero idea with zero evidence of gambling on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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