vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
These accounts were not opened by me. I believe them to be a result of my ex wife knowing my social and opening account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
I borrowed {$400.00} from Enable Loans, which operates under the * * Wakpamni Lake Community Corporation ( WLCC ). * * I have already paid {$360.00} toward this loan. After losing my job, I reached out multiple times in advance of my due date, and at the companys request I even submitted my termination letter as proof of unemployment to their representative, XXXX XXXX. 

Instead of offering a real hardship resolution, XXXX responded with a vague statement that I could skip payments if approved, but refused to explain for how long or under what terms. After that, she and the company went completely silent. As my payment due date gets closer, this silence appears deliberate and is clearly designed to push me into delinquency. 

At the same time, Enable Loans continues to send automated emails and texts demanding that I pay off my account, which is nearly double what I originally borrowed. This shows a predatory and deceptive practice : ignore hardship requests, stall until the account is late, then demand an abusive payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wrote a check ( XXXX ) to pay XXXX XXXX XXXX on XXXX ( see attch XXXX, check stub check # XXXX ). I Mailed the check. The check was stolen, altered, and cashed by unknown person on XXXX. ( attch XXXX, copy of front and back of check ). At end of month. The bank statement only show check cashed, same check number, same amount, but did not show person who cashed the check ( attach XXXX ). I did not know the check was stolen until XXXX, when I received a mail from XXXX XXXX, which says that I had failed to pay the XXXX XXXX Tax ( attach XXXX ). I reported to Chase Bank about the incident on XXXX ( attach XXXX ). Chase bank said I waited more than XXXX  months to report to them. They refused to investigate and told me that I have to go to court to get my money back. I was reported to police ( attach XXXX ). Police tol me to wait and not to call them and they will call me. After almost 5 month I called and was told the case had been closed. Because they could not fine the perpotrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I asked to receive my money sooner but theyre holding it for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XX/XX/year>. Filed complaint # XXXX to stop collection of the account in question until the XXXX XXXX XXXX on a wavier submitted. CBE, the collection agency for the US Department of the Treasury, XXXX XXXX XXXX XXXX XXXX stated that the complaint was forwarded to the Treasury XXXX XXXX ( TOP ) for review and the collection activity on the account in question has ceased. 
As of XX/XX/year>, there has been no decision on this wavier by the XXXX XXXX. 
XX/XX/year>, received a letter from the U.S. Department of the Treasury, XXXX XXXX XXXX XXXX XXXX stating that funds from Social Security Income will be withheld starting XX/XX/year> until the debt is paid. As stated in the original complaint, payments are being made in good faith and started XX/XX/year> and are continuing until a decision has been made by the XXXX XXXX. This account, while payments are being made should have never gone to collections. I'm asking that all collection activity from CBE and The Department of the Treasury cease until a decision has been made by the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: CA

Complaint narrative:
It is absurd that when someone borrows {$400.00} and is within {$76.00} of paying it off, they lose their job, reach out far in advance to explain their hardship, and even provide the actual termination letter because the lender somehow does not believe them the companys response is to send payoff demands for {$390.00}. 

I submitted my termination letter to Enable Loans at their request. Their representative, XXXX XXXX, acknowledged it but offered only a vague line about skipping payments if approved, with no explanation of how long, under what terms, or what would happen after. Since then, Enable has gone silent, ignoring multiple follow-ups, while continuing to send automated texts and emails demanding payoff amounts close to what I already owe. 

This shows Enable Loans is not interested in providing real hardship assistance. Their documented silence so close to my due date is a deliberate tactic to push me into delinquency and squeeze out more money than I originally borrowed. This is predatory, abusive, and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 2025-09-06 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: SC

Complaint narrative:
On XX/XX/year>, I filed a claim with Capital One regarding unauthorized and invalid charges totaling {$1000.00}. The charges stemmed from payments made to XXXX XXXX XXXX on debts that were not mine and had already been resold to another creditor. In different amounts Capital One initially informed me that a refund would be credited within 14 days. Instead, they closed my valid claim on the final day and reopened it under a new claim number, extending the timeline by XXXX additional months. This violates Regulation E ( 12 CFR 1005.11 ), which requires provisional credit within 10 business days and resolution within 4590 days. By restarting the claim to delay resolution, Capital One is engaging in unfair and abusive practices under UDAAP ( 12 USC 5531 ). 

I demand that XXXX XXXX immediately release the {$1000.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute the handling of my above-referenced Capital One account, which was closed and charged off in error. Following the closure, Capital One continued to report late payments to the credit bureaus for this account, despite the fact that the closure and charge-off itself were improper. These late payment notations are inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have attempted to resolve this matter with Capital One directly, but I have been informed that the company refuses to remove the erroneous negative marks or allow me to open a new account. This refusal not only fails to remedy the inaccurate reporting but also unfairly penalizes me as a consumer.

Under the FCRA, Capital One is required to : Conduct a reasonable investigation of my dispute, Correct or delete any information that can not be verified, and Ensure that all information furnished to consumer reporting agencies is accurate and complete.

I am demanding the following corrective actions : Immediate removal of all negative notations, including late payments, associated with this account from my credit report across all three credit bureaus. 

Written confirmation that Capital One acknowledges the erroneous charge-off and reporting. 

Reinstatement of my eligibility to open a new Capital One account and a new charge card with a minimum credit limit of {$5000.00} Please find enclosed copies of supporting documents for your review. 

If Capital One fails to address this matter promptly, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and my state Attorney Generals office. I will also consider pursuing legal remedies available under the FCRA for damages caused by inaccurate reporting. 

I expect a written response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
A debt of {$460.00} was added to my credit account looks like it opened in XXXX I was not aware of this account being opened or this amount being owed anywhere I recently disputed that due to me just finding out my credit was impacted XXXX points

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 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I initiated an international wire transfer for approximately {$270000.00} USD. On XX/XX/XXXX, the receiving bank rejected the transfer and returned the funds to Bank of America. Instead of crediting my account, BOA left the money in its XXXX XXXX without notifying me. 

I called BOA on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time it took me over an hour to wait and get transferred. I was transferred between the specialist team and the wire department. The wire staff first said they could only see the outbound transfer, later mentioned rejection, but refused to provide any documentation ( XXXX MT messages, UTR/UTER ). I specifically asked for proof of the rejection and BOAs actions, but they said it required a manager appointment and provided no case number or written update. 

On XX/XX/XXXX, I called again and still received no new information, even though the funds had been sitting in XXXX XXXX XXXX for XXXX weeks. And when I requested proof and communication information, they said I have to be in person with a manager. 

On XX/XX/XXXX, I went in person to a branch. After waiting while the manager called internally, I was finally told that my money had been sitting in the XXXX XXXX since XX/XX/XXXX. This was the first time BOA disclosed this. The wire team said the credit was delayed because of an incorrect routing from the international bank, but when I asked for proof, no documentation was provided. I was told only that the money should arrive in a week. 

Despite my repeated calls after XX/XX/XXXX and my requests for evidence that BOA had acted or communicated with me or the international bank, I was never contacted proactively, never provided documentation, and never given a clear explanation. This delay of more than three weeks has left a large sum of money unavailable and has caused serious hardship. 

This money was critical for my startup business, as it was allocated to place manufacturing orders for our consumer electronics project. Because BOA has held these funds without crediting them back, I have been unable to pay my supplier, which has delayed shipment of our products. As a result, my customers have started to cancel and return orders, causing significant financial and reputational harm.

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 monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate, unverifiable, and/or obsolete information appearing on my credit report as provided by your bureau. This request is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

Disputed Items : Charge-offs/Collections : 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 
Hard Inquiries : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and all other inquiries not authorized by me. 

Grounds for Dispute : XXXXVerification Requirement ( 1681i FCRA ) : You are required to verify the accuracy and completeness of all reported items. Any item that can not be fully verified with original documentation from the furnisher must be deleted. 
XXXXObsolete/Unverifiable Accounts ( 1681c ) : Any account older than 7 years from the date of first delinquency must be removed. 
XXXXUnauthorized Inquiries ( 604 FCRA ) : No company may access my credit file without permissible purpose. Please remove all inquiries that I did not personally authorize. 
XXXXCollection Accounts ( FDCPA ) : Collection agencies reporting must provide full validation of debt, including original signed agreements and complete payment history. If such validation is not provided, these accounts must be deleted immediately. 
XXXXFinancial Hardship Statement : Due to personal financial hardship, I request that a consumer statement be added to my credit file explaining my circumstances in accordance with FCRA 1681i ( b ). 

Action Requested : Delete or correct the above accounts and inquiries from my credit report immediately. 
Provide me with written confirmation of your investigation results within XXXX days as required under federal law. 
Include a copy of my corrected credit report. 

Failure to comply with this request will leave me no option but to pursue further remedies under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Fundo LLC
State: FL

Complaint narrative:
I am filing this complaint because I never applied for or entered into any agreement with Fundo LLC. A document titled Payment Rights Purchase and Sale Agreement, dated XX/XX/XXXX, was fraudulently created under my name, claiming I entered into a loan agreement with Fundo LLC. This is completely false. 

I am financially secure and have absolutely no need to engage in any form of high-interest or merchant cash advance loan, especially from companies like Fundo. I take my financial standing and credit reputation seriously and would never risk it by entering such an agreement particularly one that appears predatory.

Fundo LLC has filed a XXXX lien against me personally and has falsely notified XXXX, XXXX, and XXXX, claiming they are entitled to collect receivables associated with my personal and business name. This was all done without my consent, knowledge, or any legitimate contract. Their notice, dated XX/XX/XXXX, states Im in default for a loan balance of {$3900.00}, which I never took out. 

This is either a case of identity theft or fraudulent misrepresentation by Fundo LLC. I have already contacted them and made it clear that I did not take out this loan, and I have provided supporting documentation. Despite that, the fraudulent lien remains active and is causing serious harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I reached out to the company around XXXXXXXX XXXX XXXX and requested an account be closed since it was unauthorized and I did not apply for that credit card. On XX/XX/year> the credit card account was closed, now in XXXXXXXX XXXX XXXX it shows the credit card account is closed and now they are reporting that account as being paid late for both XXXX and XX/XX/year>. This account is closed and should be removed from my account and not reporting anything since it was unauthorized. I tried disputing it through the credit agencies and they are not properly investigating or helping at all.

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 2025-09-06 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I reached out to the company around XXXX of XXXX  and requested an account be closed since it was unauthorized and I did not apply for that credit card. On XX/XX/year> the credit card account was closed, now in XXXX of XXXX  it shows the credit card account is closed and now they are reporting that account as being paid late for both XXXX and XX/XX/year>. This account is closed and should be removed from my account and not reporting anything since it was unauthorized. I tried disputing it through the credit agencies and they are not properly investigating or helping at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: DISCOVER BANK

Complaint narrative:
Discover credit card : Please note every single one of these fraudulent charges was from and out of the country company of sorts that come up as " XXXX XXXX '' on their statement : XX/XX/year>2025 = {$38.00} XX/XX/year>2025 = {$860.00} XX/XX/year>2025 = {$4000.00} XX/XX/year>2025 = {$530.00} For a Total of= {$5500.00} When I called about the first fraudulent activity towards the end of XXXX they said a police report was not necessary. They declined my claim as fraud. after I appealed the denial they once again declined my appeal. So then I decided enough is enough and went and made a police report because this is a lot of money that I did not do and from my own research appears to be not even in this country. I made a police reports of these charges on XXXX, XXXX. On XX/XX/XXXX I appealed these charges again with evidence of a police report and evidence I had to purchase a new phone because the hackers had taken over my whole phone somehow. They said they never received the information that I sent and once again declined my appeal. In the middle of the appeal I received a notice of decline for a credit limit increase that someone had tried to do that was not me. I would have thought this would have been good enough seems like very good proof however they declined again and now I'm seeking further help because it doesn't seem like they're going to dismiss this {$5500.00}. please note I have XXXX and my father is actually helping me with this complaint and I am a part-time bus driver with not a lot of financial resources. Please feel free to reach out with me for further information. I really need your help in this matter. Sincerely,

Company response to consumer: Closed with explanation