vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC
State: OK

Complaint narrative:
I have been locked out of my Dave account since XX/XX/year>, after contacting customer support about suspicious charges that appeared even though my debit card was locked. The representative ( named XXXX XXXX XXXX told me that only my debit card would be canceled, not my entire account. However, shortly afterward, my entire account was locked, and I have been unable to access any of my funds since then. 

I have emailed XXXX and received no response. I also reached out through the in-app chat, but it disconnects automatically before I can get help. I was told on the website it could take up to 10 days for review which is unreasonable when I have done nothing wrong and am completely blocked from accessing money that I earned. 

This situation has caused severe hardship. I am a diabetic and rely on those funds for food, medication, and transportation to work. I currently have no access to my money, no resolution from Dave, and no explanation for the continued lockout. 

I am requesting immediate review and resolution of this issue specifically, that Dave restore access to my account or release my available balance immediately while they investigate. 

I have screenshots of all messages and attempted contacts with Dave XXXX, which I am happy to provide upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX. I have been trying to withdraw my money from Square for almost 8 months. I provided all the documents they requested, including my business license and ID, proving my work as a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite that, Square has stopped responding to my emails. When I call, their agents only tell me to wait, even though they originally said my funds would be released after 120 days. It has now been many months with no update or explanation. I believe Square is unfairly holding my legitimate business funds. 
Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
CONSUMER COMPLAINT - BANK OF AMERICA Complainant Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Bank Information : Institution : Bank of America Account closed approximately : XX/XX/year> COMPLAINT SUMMARY : Bank of America closed my account and has withheld {$5000.00} for over 7 months with no resolution. The funds were from a legitimate check deposited on XX/XX/year>, and neither I nor my mother ( who wrote the check ) have access to this money. 

DETAILED TIMELINE : XX/XX/year> : I deposited a {$5000.00} check into my Bank of America account. The check was written by my mother, XXXX XXXX, from her XXXX XXXX  account. The check was made payable to my daughter, XXXX XXXX, who was an AUTHORIZED SIGNER on my XXXX  's XXXX account. XXXX endorsed the check over to me. 

Shortly after deposit : Bank of America closed my account, citing " fraud '' concerns related to the third-party endorsement. 

Since XX/XX/year> : I have made numerous attempts to resolve this issue, including escalating to bank managers. Bank of America managers acknowledge they can " see '' the {$5000.00} but state they " can't release the funds. '' No further explanation has been provided. 

Current status ( XX/XX/year> ) : The {$5000.00} remains inaccessible. Bank of America will not return it to me or to my mother. 

KEY FACTS : The check was legitimate - written by my mother from her own XXXX account My daughter XXXX was an authorized signer on my mother 's XXXX account, making her endorsement valid The {$5000.00} was debited from my mother 's XXXX account and has never been returned to her Bank of America has held these funds for over 7 months without resolution I have escalated to managers who provide no solution XXXX XXXX states this is " Bank of America 's problem '' to resolve WHAT I'M REQUESTING : XXXX. Immediate release of the {$5000.00} to either myself or my mother XXXX XXXX XXXX. Full written explanation of where these funds have been held for XXXX months XXXX. Copies of all documentation related to this transaction and account closure XXXX. Compensation for the financial hardship caused by withholding these funds This prolonged withholding of legitimate funds is unacceptable. Bank of America has had over 7 months to investigate and resolve this matter. My mother is out {$5000.00} that was debited from her account, and I never received the funds I was entitled to receive. 

I am requesting the CFPB 's assistance in resolving this matter and recovering these funds. 

Respectfully submitted, 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 explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
I am filing this complaint against Experian for inaccurate reporting and failure to comply with the Fair Credit Reporting Act. 
Experian is reporting multiple revolving credit accounts as Included in Bankruptcy while simultaneously continuing to report derogatory negative payment history, late payments, charge-offs, past due XXXX days, and potentially negative flags. 
This is legally impermissible. Once an account is coded as included in bankruptcy, the balance must be zero, and NO derogatory payment history may continue to be reported, as this misleads future creditors into believing that delinquency continued beyond the bankruptcy and implies willful non-payment post-discharge, which is factually impossible.

Experian is violating FCRA 607 ( b ) accuracy requirement and 611 ( a ) reinvestigation standard. 
Accounts in dispute : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX Card Services All of these show Included in Bankruptcy but still show derogatory payment history and negative coding. This is not maximum possible accuracy. This is mixed status reporting. I disputed this directly with Experian, and they failed to correct it. 
I am asking the CFPB to require Experian to immediately remove the derogatory coding and correct these accounts OR delete them entirely. 
If this can not be resolved, I intend to proceed with formal arbitration and legal enforcement of my rights.

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 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I AM A XXXX SENIOR CITIZEN WHO HAS BEEN TRYING TO SAVE MY HOME OF 19 YEARS. I FILED A LAWSUIT MYSELF ( PRO PER ) ON XX/XX/XXXX ( CASE NO. XXXX, XXXX XXXX XXXX ) BECAUSE SHELLPOINT HAS BEEN DUAL-TRACKING MEFORECLOSING WHILE REVIEWING MY LOAN MODIFICATION APPLICATIONSIN CLEAR VIOLATION OF CALIFORNIA XXXX XXXX XXXX. CODE XXXX ) AND FEDERAL RESPA ( XXXX C.F.R. XXXX ). 
SHELLPOINT 'S ATTORNEY XXXX XXXX XXXX ( XXXX XXXX ) HAS BEEN BULLYING ME, A SELF-REPRESENTED SENIOR CITIZEN, TO FORCE ME TO SPEND MONEY I DON'T HAVE ON AN ATTORNEY JUST TO DEFEND AGAINST HIS DEFECTIVE FILINGS. HERE ARE THE FACTS : NO VALID SERVICE OF DEMURRER PURE BULLYING ON XX/XX/XXXX, XXXX 'S ASSISTANT XXXX XXXX EMAILED THE DEMURRER CLAIMING " BY WAY OF ELECTRONIC SERVICE. '' I NEVER AGREED TO ELECTRONIC SERVICE NO WRITTEN CONSENT, NO STIPULATION ( CRC 2.251 ( b ) ( 1 ) ( B ) ). I WAS PRO PER AT THE TIME. 
NO MAIL, NO PERSONAL SERVICE, NO PROOF OF SERVICE FORM IN ANY DOCUMENT SHOWS MAIL OR HAND-DELIVERY. 
THIS IS NOT A MISTAKE IT'S INTENTIONAL TO TAKE ADVANTAGE OF MY INEXPERIENCE AND FORCE ME TO HIRE A LAWYER. 

XXXX ADMITTED ERROR ON PHONE BUT REFUSED TO FIX IT PROPERLY THE DEMURRER HAD THE WRONG HEARING DATE. 
XXXX CALLED ME. I TOLD HIM THE DATE WAS WRONG. 
HE ADMITTED THE MISTAKE AND SAID ILL CORRECT IT. 
ALL HE DID WAS EMAIL A CORRECTION NO RE-SERVICE BY MAIL OR IN PERSON. 
HE KNEW I WAS PRO PER AND TOOK ADVANTAGE OF MY LACK OF EXPERIENCE TO AVOID PROPER SERVICE. 

PRIOR DEMURRER VACATED FOR HIS MISTAKES NOW THIS ONE IS VOID TOO FIRST DEMURRER ( XX/XX/XXXX HEARING ) WAS VACATED FOR IMPROPER FILING. 
THIS ONE IS VOID FOR NO SERVICE. 
XXXX IS BILLING SHELLPOINT TO FIX HIS OWN ERRORS UNREASONABLE ATTORNEY FEES UNDER XXXX. CODE XXXX. 
I REQUESTED HIS INVOICES MULTIPLE TIMES NO RESPONSE. THIS HIDES HOW MUCH SHELLPOINT IS CHARGING ME FOR HIS BULLYING. 

SHELLPOINT IS RESPONSIBLE THIS IS THEIR PATTERN OF ABUSE SHELLPOINT IGNORED MY COMPLETE MOD APPLICATIONS ( XX/XX/XXXX, XX/XX/XXXX ). 
XXXX XXXX EMAILED XX/XX/XXXX : DISREGARD THE NOD WE ARE WORKING ON A MODIFICATION. 
THEY RECORDED NOTS ANYWAY DUAL-TRACKING. 
SALE POSTPONED 45 DAYS ( XX/XX/XXXX XX/XX/XXXX ) ADMITTING VIOLATIONS. 
NOW XXXX BULLIES A XXXX SENIOR TO FORCE ME TO PAY AN ATTORNEY TO DRAFT A MOTION TO QUASH HIS VOID DEMURRER. 


HARM TO ME FORCED TO HIRE ATTORNEY ( $ XXXX ) I CAN'T AFFORD TO DEFEND AGAINST CAHILLS GAMES. 
STRESS, ANXIETY, FEAR OF LOSING MY HOME. 
DELAYED MOD REVIEW I HAVE $ XXXX EQUITY.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
About three months ago, I opted out of receiving prescreened credit and insurance offers through XXXX. Even after completing the process and confirming my opt-out, Bank of America has continued sending me unsolicited credit and promotional mailings. 

I have received several of these offers in the mail since then, most recently in [ insert current month ]. I have not given permission for my information to be used in this way, and I have not applied for any Bank of America products. I also tried contacting the company directly to stop the mailings, but the issue has not been resolved. 

I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ), as it appears Bank of America is still accessing or using my consumer information for prescreened offers despite my opt-out request. I am asking the CFPB to look into whether the company is properly honoring consumer opt-out requests.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
CFPB Complaint : Huntington Bank Improper Stop Payment and Reversal of Cleared Check Summary : Huntington Bank improperly reversed a deposited check after it had fully cleared, citing a stop payment that was allegedly placed after final payment had already occurred. This action violates the final payment provisions of the Uniform Commercial Code ( UCC 4-215 ( a ) ) and caused direct financial harm. 

Details : On XX/XX/year>, I deposited a check for {$1800.00} into my Huntington Bank account. The check was accepted, processed, and credited to my account balanceindicating that the payor bank had honored the item and that final payment had occurred under UCC 4-215 ( a ). 

On XX/XX/year>, XXXX posted a debit to my account labeled Returned Deposit Item {$1800.00}. When I contacted customer service, a supervisor named XXXX stated that the reversal was due to a stop payment on the check itself. This explanation is legally inaccurate : a stop-payment order can only be placed before an item clears ; once settlement occurs through the Federal Reserve clearing system, the transaction is final and can not be revoked by the payor bank.

I specifically requested documentation showing ( 1 ) when the stop-payment order was entered and ( 2 ) whether the item had already cleared through the clearinghouse at that time. Huntington refused to provide this information. The representative also refused to give her full name or employee identification number, preventing proper documentation of the call.

Why this is a problem : If Huntington allowed a payor bank to reverse funds after final payment, it violated the UCCs finality rule and deprived me of funds that had already been legally settled. The banks explanation ( stop payment on the check itself ) was both incorrect and misleading. Huntingtons refusal to investigate or provide documentation further raises concerns about compliance with banking transparency and consumer-protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: WI

Complaint narrative:
Dear experian/equifax/XXXX. 
I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX XXXX  account # XXXX balance {$11000.00}, XXXX XXXX XXXX XXXX account # XXXX balance {$21000.00}. Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year> SSN : XXXX Credit Bureaus Involved : Transunion XXXX Experian and Equifax XXXX Subject : Request for Investigation and Removal of Inaccurate or Unverifiable Information Under the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding inaccurate, incomplete, and unverifiable information being reported by Transunion, Experian and Equifax on my credit file. These items are negatively affecting my creditworthiness and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Under Sections 602A, 607 ( b ), and 611 of the FCRA, I am requesting a full reinvestigation of each of the negative and inquiry items listed below. I also request that any item that can not be fully verified be deleted immediately from my credit report. 

Disputed Accounts WebBank / XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Past XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Account ending XXXX ) Charge-Off XXXX XXXX XXXX XXXX XXXX Account ending XXXX ) Charge-Off Applied Bank ( Account ending XXXX ) Charge-Off XXXX  XXXX XXXX Charge-Off / Repossession XXXX XXXX XXXX ( Account ending XXXX ) Charge-Off {$55000.00} XXXX XXXX XXXX  ( Account ending XXXX ) Charge-Off {$29000.00} XXXX XXXX XXXX ( Account ending XXXX ) Charge-XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXX ) Charge-Off XXXX  XXXX- Collections Account ; XXXX XXXX XXXX Account ; XXXX & XXXX Collections Account ; Each of the above accounts is inaccurate, unverifiable, or incomplete and should be deleted from my credit report under the Fair Credit Reporting Act. 

Disputed Hard Inquiries Certified Credit Reporters XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries were not authorized by me and should be removed from my credit reports immediately. 

I have attached copies of my identification and proof of address for verification. Please ensure Transunion, Experian and Equifax complete a thorough reinvestigation and provide written confirmation of all deletions or corrections within the required XXXX timeframe. 

Thank you for your prompt attention and compliance with the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/year> SSN : 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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding several serious inaccuracies and unauthorized activities reported on my credit file. The reporting by the following creditors is inaccurate and has caused significant concern : XXXX Account XXXX XXXX High Balance : {$340000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX  Account # XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX Inquiry on XX/XX/XXXX Issue Description : I have never made late payments on the above accounts. The reported late payments are false, inaccurate, and damaging to my creditworthiness. 

I have no knowledge of the XXXX XXXX XXXX inquiry on the stated date. I believe this inquiry may be unauthorized or inaccurately reported. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), as they constitute misleading and damaging information on my credit report. I request the CFPBs assistance in investigating these matters, and I demand the following actions : Immediate investigation of the accounts and inquiry listed above.

Correction or deletion of any inaccurate or unverifiable information.

Confirmation in writing of the actions taken to resolve these errors. 

These errors are unacceptable, and I expect prompt and decisive action to ensure my credit report reflects accurate information. I trust the CFPB will help enforce my rights and hold the responsible parties accountable.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and XXXX XXXX TransUnion for Fraudulent Hard Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request an investigation into fraudulent hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized by me and have negatively affected my credit profile and score.

Despite contacting TransUnion directly to dispute these inquiries, the issue has not been properly resolved. TransUnion has failed to remove or verify the legitimacy of the accounts in question, in violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and verifiable information. 

Below are the details of the disputed inquiries : Creditor Name 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 DC 03/2025 6 ) CPS 03/2025 7 ) VADEN CHRYSL 03/2025 Credit Bureau Involved : TransUnion I did not authorize these inquiries, nor did I apply for credit with any of these companies. These inquiries are therefore fraudulent and damaging to my credit. I am requesting that the CFPB investigate TransUnions handling of my dispute and ensure that these unauthorized inquiries are permanently removed from my credit file.

Attached are the following documents for verification : A copy of my government-issued ID A recent utility bill or bank statement showing proof of address Please confirm receipt of this complaint and provide updates regarding the progress of the investigation. I appreciate your time and assistance in ensuring my credit report reflects only accurate and authorized information. 

Thank you for your attention to this urgent matter.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XXXX  XXXX opened an account after I gave them my ID and Social Security. Now they are threatening to close the account unless I verify myself again. This was not disclosed at account opening. I want full access to my funds and confirmation that my identity documents are sufficient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: OH

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation