vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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:
Re : Complaint under FCRA and FDCPA against Jefferson Capital LLC and XXXX  Complainant : Date : XX/XX/year> I. Facts XXXX  ( XX/XX/year> ) : Jefferson Capital LLC, Collection, Balance {$690.00}. 
II. Legal Violations FCRA : - 607 ( b ) : Accuracy.

- 611 ( a ) : Reinvestigation.

- 623 ( b ) : Furnisher obligations.

FDCPA : - 1692e ( 2 ) ( A ) : Misrepresenting character/amount/status of debt. ( Wallace v. Washington Mutual Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXXCFPB Complaint  Portfolio Recovery Associates\nDate: [XXXX]\nTo: CFPB Consumer Response\nOnline Portal: https://www.consumerfinance.govXXXX Against: Portfolio Recovery Associates\nSubject: Formal Complaint  Debt Verification & Removal\nDear CFPB,\n\nI am submitting a formal complaint regarding an alleged debt reported by Portfolio Recovery Associates (PRA) that is inaccurate and may not belong to me.\n\nUnder 15 U.S.C. 1692g of the Fair Debt Collection Practices Act (FDCPA) and 15 U.S.C. 1681i of the Fair Credit Reporting Act (FCRA), I request written verification of the alleged debt amount, including:\n1. The exact balance claimed\n2. Any fees, interest, or charges included\n3. The date the debt was incurred and the original creditor\n\nUntil proper verification is provided, any collection activity, including reporting to credit bureaus, may constitute a violation of federal law.\n\nIf PRA cannot verify this debt, it must be immediately removed from all credit reporting agencies and internal records.\n\n\nI respectfully request CFPB to investigate this matter, enforce compliance, and confirm once the debt is corrected or deleted.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
I called in XXXX to find out what I needed to do to take care of this debt. They told me that the account had been transferred to their third part XXXX and that they could no longer help me. I called XXXX and they allowed me to settle the account for a one time payment of {$230.00}. I made the payment and thought it would be taken care of. XXXX says Iam taken care of and they have forwarded the payoff to XXXX XXXX XXXX  card. My credit report was just updated by XXXX but they put on there the payment for {$230.00} but still shows a collection account with a past due balance of {$230.00}. That is not accurate and they refused to fix it. I need the report to show a closed account and that payment was settled and satisfied. It is not an open account any longer and it is fale reporting to keep it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
they are calling and threatening me to take legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: TX

Complaint narrative:
Re : Complaint under FCRA against Kikoff Lending , LLC, XXXX, and XXXX  Complainant : Date : XX/XX/XXXX I. Facts XXXX  ( XX/XX/XXXX ) : Kikoff Lending, Charge-Off, Balance {$2.00}, First Delinquency XX/XX/XXXX. 
XXXX  : Same. 
II. Legal Violations FCRA : - 607 ( b ) : Reporting a {$2.00} balance as charge-off is misleading. ( Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ) - 611 ( a ) : Duty to reinvestigate.

- 623 ( b ) : Furnishers must meaningfully investigate. ( XXXX  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one continues to use a XXXX party vendor that fails to process XXXX payroll for the XXXX XXXX holiday. The same thing happened in 2024, Capital One says they are aware the problem happened in 2024 yet here we are again! My vacation plans are ruined its not right and they should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NV

Complaint narrative:
I am formally disputing unauthorized access to my credit report, which has negatively impacted both my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This inaction is unacceptable and raises serious concerns of potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CO

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO Alto abruptly closed my account, citing an alleged fraud restriction, and then demanded that I provide personal information and documents in order to release my own funds. I complied with their requests immediately, yet despite repeated follow-ups, months have passed without resolution. My balance of {$2000.00} remains withheld, and I have not been provided with a clear explanation, timeframe, or any transparency regarding the status of my money. Whenever I call they tell me there is nothing they could do and that its no longer in their hands. One would say the state has my funds the other would say your bank needs to send a hold harmless letter then it will be sent to the account it was sent from in the first place then make a dispute with your bank to get it back. each one did not work I have contacted BMO Alto multiple times through their customer service channels, and even my own bank reached out to them in an effort to retrieve the funds on my behalf. Despite this, BMO Alto has failed to provide updates, a timeline, or any substantive communication. This prolonged delay has caused me financial stress and hardship, and I view it as an unlawful withholding of my money. 

As a customer, I entrusted BMO Alto to safeguard my deposits. Instead, they unilaterally closed my account, labeled it under fraud restriction without justification, and left me without access to my rightful funds. This conduct amounts to negligence, breach of trust, and financial harm. I am requesting immediate release of my {$2000.00} balance, reimbursement for the undue delay and hardship caused, and accountability for BMO Altos failure to act in good faith. If this matter is not resolved promptly, I will be forced to pursue all legal remedies available. 

Date I transferred funds from my XXXX savings account to Bmo alto : XX/XX/year> Date of funds bmo alto claimed they transferred/closed my account : XX/XX/year> Date of when bmo asked for my information to verify my account AGAIN : XX/XX/year> Date of Hold Harmless letter sent from XXXX to BMO alto to retrieve my funds : XX/XX/year> 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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I tried to see if id pre qualify for a car loan, i didn't complete the application. Subsequently receiving recorded calls for months having opted out on call list .. still calling from numerous numbers around country.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase at XXXX XXXX I in XXXX XXXX, XXXX, using my Chase XXXX XXXX card. I purchased a XXXX count of XXXX XXXX  ( XXXX  ). The expected and typical market price for this medication in XXXX is about {$40.00} USD. However, my card was charged {$250.00} USD ( XXXX XXXX ). 
I disputed the overcharge of {$210.00} USD with Chase, providing : A screenshot of the Chase transaction showing the {$250.00} charge. 
Price comparison evidence from other pharmacies showing the medication normally costs ~ {$40.00}. 
A written explanation that this was a clear overcharge. 
Despite this, Chase denied my dispute and closed the case, claiming the transaction was valid. I believe Chase did not adequately review the supporting documentation or consider the significant discrepancy between the agreed/market price and what I was billed. 
I am requesting that the CFPB require Chase to properly reinvestigate my dispute with the evidence provided and issue a refund of the {$210.00} overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
During hurricane XXXX and XXXX I asked for a hurricane declaration deferment to put missed payments on the back end of my mortgage. I was told carrington does not provide those services and was FORCED into a Covid modification plan that increased my interest rate to 7 % and also tacked on an additional XXXX  years and XXXX. They also took the XXXX from HUD. So now I owe HUD AND CARRINGTON. They had previous deceived me during XXXX and did the same thing. False information. Tacked on fees and tried to foreclose. Harassing phone calls and letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My vehicle was wrongfully repossessed by Capital One Auto Finance despite contradictory and inaccurate credit reporting, a confirmed cease-and-desist letter, and clear protections under California law. 

Contradictory Reporting : My XXXX  credit file shows the same account as both Paid/Closed {$0.00} and XXXX XXXX $ XXXX. 
My XXXX  file shows no Capital One account at all. 
Capital One told the CFPB on XX/XX/year>, that reporting was accurate. That statement was materially false. 

Repossession During Inaccurate Reporting : Despite these contradictions, Capital One repossessed my vehicle. Under the California Rees-Levering Automobile Sales Finance Act ( XXXX. XXXX XXXX ), I am entitled to prompt written disclosure of the Notice of Intent to Sell and the itemized reinstatement amount. Capital One has refused to provide these disclosures and instead told me my case is under investigation for up to 30 days. This delay is unlawful and appears designed to increase storage fees unfairly. 

Personal Property and XXXX & XXXX Violation : I was denied the location of my vehicle and denied access to retrieve my personal belongings. California law requires immediate access to personal property after repossession. In addition, repossession occurred after Capital One confirmed receipt of my certified cease-and-desist letter, which violates the California Rosenthal Fair Debt Collection Practices Act. 

Federal Litigation Pending : These issues are already before the XXXX XXXX XXXX for the XXXX XXXX XXXX California in XXXX XXXX XXXX XXXX XXXX Department, Case No. XXXX, which challenges the unlawful role of law enforcement in vehicle repossessions. Capital Ones conduct is directly tied to the constitutional and consumer rights issues being litigated. 

Requested Relief : XXXX. Immediate disclosure of the vehicles storage location. 
2. Immediate access to retrieve personal belongings.

3. Immediate release authorization or, at minimum, delivery of itemized reinstatement figures and the Notice of Intent to Sell.

4. Enforcement action for violations of : The Rees-Levering Act ( XXXX. XXXX. XXXX XXXX ) The Rosenthal Act ( XXXX. XXXX. Code XXXX ) The FCRA ( 15 U.S.C. 1681s-2 ) The California XXXX XXXX XXXX. Code XXXX ) Capital One must not be allowed to fix its reporting after the fact and avoid responsibility. The contradictions already documented caused real harm, wrongful repossession, and unlawful collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
XXXX XXXX insurance was added to vehicle financing at beginning of loan. I purchased the car from XXXX XXXX in Florida and added the GAP insurance at the time of purchase from the dealership. The Loan-to-Car Value is now low enough to not need coverage anymore. Started to contact XXXX XXXX in XX/XX/year>. Finally in XX/XX/year>, I was able to get someone to send me the required form to cancel the XXXX insurance. 

I was told by the dealership that XX/XX/year> would be cancellation date and that refund of unearned insurance premium would be credited to my loan balance to reduce principal owed. I followed up in XXXX, XXXX and XXXX, XXXX  with no response or information. In XXXX, XXXX  I was able to get somebody at XXXX XXXX, the company that owns XXXX XXXX, to forward my information to get the policy cancelled. I was told that the GAP insurance was cancelled as of XX/XX/year> and the refund would be applied to my loan account at American Honda Finance Corp by the end of XXXX. It is now the end of XX/XX/year> and I still have not received the refund of unearned premium. 

I now believe the company is deliberately handling this slowly, if at all, since I have now paid over 6 months of insurance premiums for a policy I have been trying to cancel for about 9 months. The company is not being honest, ethical or fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I hired a local tree service/arborist to remove dead branches from my tree for {$1200.00}. Because I did not have checks with me, the worker suggested I pay via Venmo.

After the job was completed, I sent the payment through Venmo and confirmed with him by texting the number on his truck. About 30 minutes later, I saw that he had cancelled the Venmo payment and aske
d me to send the money via Zelle or check instead. When I checked my Venmo and bank account, the payment had already processed and the money was withdrawn. I called Venmo customer service on XX/XX/XXXX and spoke with an agent who confirmed the payment was cancelled and told me the refund would take 35 business days. As of XX/XX/XXXX, the {$1200.00} has not been returned to my account. I have not received any updates by email, and my attempts to reach a representative since my initial call have resulted in very long wait times without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: VA

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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$2000.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$320.00} INQUIRY : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief