vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OneMain Finance Corporation
State: MS

Complaint narrative:
I checked my credit report and notice different companies had ran my credit report without my authorization. I havent tried to get anything so Im not sure why it was checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-03 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: TX

Complaint narrative:
I was approved for the Capital One Venture X credit card on XX/XX/year>. After approval, I attempted to access the virtual card number through the Capital One mobile app, which is the only place its available. However, every time I tapped to view the virtual card, I received an error message : Were having trouble completing this action right now, but were working on it. 

I contacted Capital One customer service multiple times to resolve this issue, but every representative kept asking me to log into the app again, deleted the app and reinstalled even though I explained that the app was giving an error and would not show the virtual card. Eventually, after several login attempts, I was completely locked out of the mobile app with a message saying I had requested too many verification codes. 

I followed every instruction I was given : reinstalled the app, restarted my phone, and tried again but the app still would not allow me to log in. Then, I lost access to the Capital One website, which now gives no way to verify or log in either. 

I have spoken to multiple customer service agents, supervisors, and even the digital support team, but no one has been able to restore access. They keep telling me to wait 24 hours for the new code or wait up to 2 weeks and eventually the system will work out without offering a solution. 

I originally needed the virtual card to pay for an urgent medical expense, which I had to cover by other means. I still can not access my Capital One account or card number. 

This situation has caused unnecessary stress and financial harm, and Capital Ones support teams have been unable or unwilling to escalate or resolve the issue and they kept saying nothing we can do and asked me just to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I sent a debt validation request to Midland Credit Management, delivered and signed for on XX/XX/year> ( I have the XXXX return receipt ). 
They failed to respond or provide any documentation validating the debt. 
Despite this, they verified the debt to TransUnion, and it remains on my credit report. 
This is a violation of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), which prohibits reporting unvalidated debts.

Im requesting removal of this collection account from my credit file and an investigation into this unlawful furnishing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
CFPB COMPLAINT - BANK OF AMERICA REGULATION CC VIOLATIONS Date : XX/XX/year> Institution : Ba nk of America, N.A. 

SUMMARY OF COMPLAINT Bank of America violated federal Regulation CC ( 12 CFR 229 ) by issuing conflicting written hold notices for the same deposit, refusing to honor their own written receipt, and engaging in deceptive banking practices. 
DETAILED COMPLAINT THE DEPOSIT On XX/XX/year>, we deposited a legitimate business check for {$47000.00} from XXXX XXXX XXXX XXXX XXXX ( a title company ) drawn on XXXX XXXX XXXX custodial escrow account for real estate closing proceeds. 
XXXX XXXX Bank of America issued TWO conflicting official documents : DEPOSIT RECEIPT ( XX/XX/year> ) : Shows partial release of {$6400.00} available " XX/XX/year> XXXX. '' with remainder available " XX/XX/year> XXXX. '' XXXX NOTICE LETTER ( XX/XX/year> ) : States entire {$47000.00} held until " XX/XX/year> by XXXX local time '' REGULATION CC VIOLATIONS 12 CFR 229.13 ( g ) ( 1 ) - Notice Requirements : Bank provided conflicting written notices for the same deposit.

12 CFR 229.13 ( g ) ( 2 ) - Content of Notice : Notices contain inconsistent availability dates.

12 CFR 229.16 ( c ) - Availability of Funds : Bank refuses to make funds available on the date they specified in writing. 

DECEPTIVE PRACTICES 1. Bank representatives falsely claimed " there's no way to partially release funds '' despite their own receipt showing partial release 2. Bank issued false excuses including " COVID policy changes '' for violations of federal law 3. Bank refuses to honor their own written receipt 4. Bank system shows " deposit made without paper slip '' when we have the official paper receipt BANK 'S INADEQUATE RESPONSE During multiple customer service calls on XX/XX/year>, Bank of America : - Refused to honor their written receipt - Made false claims about federal regulations- Refused to escalate to executive customer relations - Would not provide call reference numbers- Used COVID as an excuse for current regulatory violations- Claimed they " understand but can't do anything '' HARM CAUSED We relied on Bank of America 's written promise of {$6400.00} availability today to make financial commitments including rent payments to our landlord. The bank 's conflicting documentation and refusal to honor written commitments has caused financial hardship and potential eviction risk. 



This complaint involves clear violations of federal banking law that require immediate regulatory intervention. 

Submitted on : XX/XX/year>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 2025-07-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company disrupted my credit negatively without proper debt validation or a valid contract between the party and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Our contractors email accounts where hacked and we received incorrect banking information. 

XX/XX/year> {$100000.00} was ACH transferred from Chase Bank XXXX XXXX XXXX XXXXXX/XX/year> I learned of the scam and of the wrong account and contacted Chase Bank for assistance. 
XX/XX/year> FBI IC3 Complaint was filed and Field Agent XXXX XXXX was assigned XX/XX/year> State Police FTC # XXXX was filed XX/XX/year>XXXX XXXX XXXX XXXXXXXX Police Case # XXXX was filed and XXXX XXXX has been assigned. 

XXXX. XXXX was able to issue a warrant on the XXXX XXXX account that funds where sent to and verified that some funds are still in the account and that the account is frozen. 

For over 90 days we have been getting the run around from the banks with no progress. 
XX/XX/year> I filed a complaint with the State of Massachusetts Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
b'My Complaint:\n\nI submitted a formal debt verification letter to XXXX XXXX XXXXXXXX in XXXX XXXX  regarding multiple alleged debts they claim I owe. They responded by claiming the debts were "verified," but they failed to provide any documentation that legally verifies these debts under the Fair Debt Collection Practices Act (FDCPA), XXXX XXXX XXXX\n\nSpecifically:\n\nI have not received any signed contracts, itemized statements, or any documents proving they own the debts or have the legal right to collect on them.\n\nTheir response consisted only of a statement that the debts were valid  which does not meet the requirements for proper verification.\n\nI sent my request in writing and within the XXXXday period from their initial contact.\n\nDespite their failure to properly verify, they have continued collection activity and reported these accounts to my credit report, negatively impacting my score.\n\n\nThis is a direct violation of the FDCPA. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action.\n\n\n---\n\nRequested Resolution:\n\nRequire XXXX XXXX XXXX  to provide full and proper documentation of the alleged debts for the accounts listed below.\n\nRequire them to cease collection efforts and remove credit reporting until proper validation is provided.\n\nIf they cannot validate these accounts, they must delete the tradelines from my credit reports and cease all future contact.\n\n\n\n---\n\nAccounts in Question (last XXXX digits):\n\nXXXX---\n\nAdditional Information:\n\nName of Debt Collector: XXXX XXXX XXXX\n\nDate I sent the verification letter: XXXX XXXXn\nMethod sent: Certified mail (tracking available upon request)\n\nThey have reported these debts to my credit report.\n\nMy full name and address:\XXXX XXXX XXXX XXXX XXXX, NC XXXXn\n\n\n---\n\nNext Steps: I respectfully ask the CFPB to compel Resurgent Capital Services to comply with federal law, properly validate the alleged debts, and correct any reporting violations if validation cannot be produced.\n\nThank you for your time and attention to this matter.\n\n\n---\n\nLet me know if you want to also submit a dispute letter to the credit bureaus (Equifax, TransUnion, Experian) for these same accounts  I can draft that next.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: TX

Complaint narrative:
Complaint to Cash App Support or the CFPB : Subject : Urgent Complaint Regarding Account Closure and Withheld Funds Request for Immediate Resolution To : Cash App Support Case Number : XXXX Date : XXXXXXXX  Dear Cash App Support, I am writing to formally dispute the closure of my Cash App account and the withholding of my funds totaling {$2300.00} ( Cash Balance : {$380.00}, Savings Balance : {$2000.00} ). My account was closed on the grounds of suspected fraudulent activity, yet I was not provided with any specific evidence or opportunity to properly appeal this decision. 

I proactively reported a declined charge attempt from XXXX XXXX for {$96.00}, which I did not authorize. I took immediate steps to secure my account, including locking my card and contacting support. Despite this, my account was closed, and I was denied access to my funds during a time of financial emergency. 

This action violates several sections of your Terms of Service, including but not limited to : Section XIX.10 I am entitled to withdraw my remaining funds even after account closure.

Section XII.2 I have the right to dispute errors and receive a timely, fair review.

Section III.1 I cooperated fully with identity verification and account security protocols. 

I have attempted to resolve this through your support channels, but I was met with automated responses, delays, and vague explanations. I provided all requested information, including my email and account usage details, yet my appeal was not properly reviewed. 



Requested Resolution : Immediate release of my full balance of {$2300.00} to my linked bank account.

A written explanation of the specific reason for account closure. 
Confirmation that my account has been reviewed by a human representative. 

If this matter is not resolved within 7 business days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for the unlawful withholding of funds and emotional distress caused by this incident.

Thank you Complaint to Cash App Support or the CFPB : Hello, I am submitting this formal complaint regarding the improper closure of my Cash App account and the withholding of my funds totaling {$2300.00}. I have attached a detailed letter outlining the situation, including references to your Terms of Service and my case number ( XXXX ). 

I have made multiple attempts to resolve this through your support channels, but I have not received a clear explanation or access to my funds. I am requesting immediate release of my balance and a full review of my case. 

Please confirm receipt of this complaint and provide a resolution within 7 business days. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
My information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
My information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

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 2025-07-03 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: MD

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit report I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I'm not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX XXXX XXXX  and a validation of debt letter.

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 2025-07-03 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the collection account being reported by Caine & Weiner Company Inc on my credit file. According to my records and credit report, the account details are as follows : Original Creditor : XXXX XXXX XXXX : Caine & Weiner Company Inc Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount Reported : {$810.00} Date Assigned : XX/XX/XXXX Status : Unpaid ( as of XX/XX/XXXX ) Date of First Delinquency : XX/XX/XXXX I am requesting that the CFPB investigate this matter and require Caine & Weiner Company Inc to verify the debt in full, including documentation showing the amount owed, how it was calculated, and that they are legally authorized to collect on it. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate or incomplete. 

To date, I have not received any validation of this debt, nor have I been provided with any detailed documentation that proves I owe this amount. If Caine & Weiner is unable to verify this debt with sufficient evidence, I respectfully request that the collection account be removed from my credit report immediately. 

Please confirm receipt of this dispute and advise me of the next steps in the investigation process. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation