vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Payactiv, Inc.
State: TX

Complaint narrative:
Around XX/XX/XXXX I noticed that the amount of Earned Wage access I was allowed to get went from {$76.00} to {$24.00} within a matter of hours even though I hadn't gotten any of the money. When I texted Payactiv through the app I was told it was because of several {$1.00} earned wage access deposits that were made to my card that cost {$2.00} each. I told them I never asked for those and was told it must be on recurring. I checked and there were no recurring features showing up on the app so I was told they would look into it and get back to me in 24 to 48 hours. I was upset but had no choice but to wait. Well, no one ever reached back out. I got busy and because I walk 2 miles between buses every day each way to and from work I tend to fall asleep as soon as I get home so I never followed up. Well the exact same thing happened again today I had {$59.00} available at XXXX, but when I tried to access it at XXXX it was only {$38.00}, once again I noticed several {$1.00} deposits done in the middle of the night. My card wasn't stolen, the company chooses to do these deposits in the middle of the night, several of them, and charge me {$2.00} each. There is absolutely no good reason to do that besides trying to do it when I'm asleep so I won't notice in order to charge even more fees than I already pay for the earned wage access that i do request. I would never agree to pay 2.5x what I'm getting deposited, and I definitely wouldn't do that 7 times in a few hours. This is straight up theft and fraud. The company said because the money is deposited into my account there is nothing I can dispute. So basically they are purposely changing me extra fees that I can not afford by putting money in my account I didn't ask for in tiny increments to charge me the max amount. I want my money back and to be sure they stop doing this. People that use their site obviously are hurting for money and they are taking advantage of that and stealing from us thinking there is nothing we can do about it. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascent Holding Co
State: CA

Complaint narrative:
I am writing to dispute the accuracy and enforceability of a loan tradeline currently being reported on my credit file by Ascent Funding XXXX XXXX XXXX XXXX. 1. This account is void under CFPBs April 2024 Consent Order. The attached Final Disclosure from Ascent Funding shows funds were disbursed directly to XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order against XXXX and its CEO, permanently banning them from all consumer-lending activities and requiring relief for any XXXX-related financing agreements prior to XXXX. Because this loan is directly tied to XXXX and originated prior to XXXX, it is void and unenforceable under federal law. XXXX XXXX XXXX 2. Lack of Borrower Authorization. I never signed or authorized this loan. Ascent claims a DocuSign record exists, but I dispute the validity of that signature and request full audit logs. XXXX entirely misrepresented the loan as an XXXX, a risk free way to learn and pay later once you land a job. Without proof of my valid consent, the loan can not be legally reported. I at no point ever have spoken to ascent prior to this, and XXXX took this loan from them. These inconsistencies further call into question the accuracy of the information being reported to your bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MI

Complaint narrative:
Equifax , Inc is not producing a credit report for me which has caused me to be denied a mortgage loan. I called each creditor and they stated they are reporting to Equifax , Inc . 

My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX, MI XXXX, and my employment is XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Provide me a copy of my credit report and explain why your complain deleted my entire file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
In XXXX XX/XX/XXXX I bought a car from XXXX for {$19000.00} at XXXX XXXX  XXXX then I join the military and XX/XX/XXXX so I requested an APR change under the scra protection. I emailed corporate called corporate and even called the specific place that I bought the car from but Ive been ignored multiple times. In the email I included all the information that they need and even asked if they need any documentation to verify whether Im saying its true or not but the email was ignored and it has been two weeks now.

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 — Used obscene, profane, or other abusive language
Company: Client Services, Inc.
State: GA

Complaint narrative:
I received a collection letter from Client Services , Inc. regarding an alleged XXXX account. The letter is fraudulent and violates multiple consumer protection laws. The company misrepresented the creditor, the balance, and their legal authority to collect. They demanded payment without providing proper validation of the debt, failed to include required itemizations, and used coercive settlement language with false urgency.

Specifically, this conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681i ), the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ), the Uniform Commercial Code ( UCC 3-501, 9-210 ), the Uniform Consumer Credit Code ( UCCC 5.108, 5.109 ), and CFPB Regulation F ( 12 CFR 1006 ). Their actions are deceptive, misleading, and unconscionable.

I request that the CFPB take enforcement action. I am demanding that this company cease all collection activity, remove any negative reporting from my credit file, and provide written confirmation that this alleged account will not be sold, assigned, or collected further. Supporting evidence, including the collection letter and a breakdown of violations, is attached.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I know I clicked on and activated my Capital One offer for XXXXXXXX XXXX XXXX cash back for my XXXX XXXX. I called Capital One because it didnt apply like I thought it would and I never got the cash back. Their excuse is that I didnt click on it, but I know I did and it is glitchy with rewards where they have fraudulent intent to deceive I think. 

Now, I double checked and clicked on XXXX XXXX XXXX cash back on my CapitalOne XXXX XXXX XXXX and make a XXXX XXXX purchases in total. Theyre saying they dont know if I implemented the offer correctly. That is again XXXX because I know I clicked on it and implemented it correctly. 

I am not challenged with technology, and I truly believe Capitol One should correct its fraudulent and deceptive technology.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request action pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud. 
Fraudulent information includes : A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$2800.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$1100.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$2300.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$3600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$7600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$5600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$4500.00} A personal credit account at XXXX  XXXX opened XX/XX/XXXX with balance of {$350.00} A personal credit account at XXXX Bank opened XX/XX/XXXX with balance of {$1300.00} These accounts have resulted in several fraudulent hard inquiries and collections. I do not recognize them, nor were they opened, made, or initiated by me.

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 2025-08-30 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: FL

Complaint narrative:
I have been carrying this battle for months, and the weight is crushing me. Even after the bureau confirmed these accounts were fraudulent and BLOCKED them, XXXX XXXX XXXX XXXX ( Account number : XXXX Auto Loan Opened in XX/XX/XXXX ) and XXXX XXXX / XXXX ( Account number : XXXX Loan Opened in XX/XX/XXXX, previously listed under a different name ) keep coming back, violating my rights and ignoring the bureaus decision to protect me. And it does not stop therethese fraudulent items keep multiplying, like XXXX ( Account number : XXXX Credit Card Opened in XX/XX/XXXX ), XXXX ( Account number : XXXX Credit Card Opened in XX/XX/XXXX ), and inquiries such as XXXX XXXX Experian XX/XX/XXXX, XXXX of which belong to me. I am literally on my knees, crying out for mercy, begging you to hear me : I did not open these accounts, I never applied for them, and I should not be condemned to live in this endless nightmare. If Equifax does not act now and put an end to this abuse, I will have no choice but to turn to the CFPB to plead for their intervention, because these companies are breaking me, violating me, and leaving me defenseless. All I want is peace, protection, and the chance to move forward without fear of seeing my stolen identity come back to destroy me again.

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 — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank put a hold on my account over my transaction and deposit and said it will give me update in 24 or 48 hours. They have not giving me any updates as it has been over 24 and 48 hours they won't give me access to my account

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: 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: TX

Complaint narrative:
I have reported to XXXX XXXX  " the furnisher '', Experian, Equifax and Trans Union that my identity has been stolen by way of FTC report and Affidavit of Truth they have not provided provided actual proof of an investigation and have written me dated XX/XX/year> that they are planning to violate my rights and continue to collect from me what they know is not my debt, they claim I paid the credit bill. There is no proof I paid no bill because I havent and be advised someone paying on that bill doesn't actually positevly identify me as the XXXX paying on an account I never recieved, I have no knowledge of who established that account nor do any of my bank accounts show proof or attempts to pay this account whatsoever.

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 2025-09-01 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 credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XX/XX/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 explanation
Consumer complaint received 2025-09-01 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 credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I made a payment to Exeter, as I have every month since XX/XX/XXXX, yet again, they did not properly notate the XXXX payment made on my account. Since before I made my on-time, XXXX XXXX, it said " please by XX/XX/XXXX. As the attached document outlines, despite making the XX/XX/XXXX payment, and XX/XX/XXXX, Exeter not only did not take the balance off the principal, but they instead added another {$250.00} yesterday, XX/XX/XXXX, in retaliation after notifying them that they are required under federal law to provide a " Payoff Document '' demonstrating that my loan has been satisfied in full by XXXX. They have received payment, yet, are using XXXX XXXX XXXX to try and take money from be they are no longer legally entitled to. 

They are attempting to receive a windfall for something they no longer legally own the Note for. They also increased a balance due reflecting 90 days of payments owed, when they have stipulated and agreed in one of their answers I am at most 48 days behind. Even assuming arguendo that is correct, which it isn't, my account balance should only be two payments behind +a {$200.00} " late fee '', at most, not the three payments they are falsely claiming I am behind according to their own documents. It is false information at best. At worst, it is fraudulent. Either way, it needs to be fixed immediately. 

According to their own documents provided on XX/XX/XXXX ( which ofcourse, they didn't include the XXXX XXXX in bad faith ), that would mean I owe them {$720.00}, at most. Because the 60 Day mark doesn't even become 60 Days past due until XX/XX/XXXX. Accordingly, Exeter is required by law to correct their false accounting practices and accurately reflect any balance I owe. They are also required by law to timely provide me with the " Payoff Document '' that they are withholding in bad faith, despite receiving more than {$11000.00} from XXXX XXXX, which they will confirm, far exceeding the $ XXXX I allegedly owe Exeter . 

So to break it down for everyone here who couldn't get a job anywhere else which is why they work for the CFPB- this is NOT a duplicate complaint- it is 1 ) to demand Exeter LLC provide confirmation and a Payoff Document, as they have received payment for the XXXX XXXX XXXX since they are refusing to comply with federal and Florida state law and 2 ) to make them accurately notate my account to reflect the not even 60 days behind that I am - making the final balance {$720.00} at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 High Yield Interest savings accounts. Capital One misinterpreted the 360 savings account as having one of the nations highest interest rates yet failed to notify cardholders about the superior rates offered by the 360 Performance savings account.

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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I am disputing the alleged account that Velocity Investments , LLC claims to own. Velocity responded to my complaint by stating that they purchased the account in good faith and for value but they have not provided any account-level documentation proving ownership, such as a bill of sale with my account number or a complete chain of title. Instead, they made vague claims without evidence. 

Velocity also admits it does not report tradeline information to the credit bureaus, yet the account continues to appear on my credit reports through affiliated entities ( XXXX XXXX ). This is creating false and misleading information in violation of the FCRA. If Velocity truly owns the account, it is responsible for ensuring the information is accurate, reported as {$0.00} balance, paid in full, and never late. 

Velocity claims an initial validation notice was sent on XX/XX/XXXX, but I never received it. Their own response shows that there was no meaningful communication until XX/XX/XXXX, when they claim to have sent verification documents. The delay of nearly XXXX months does not comply with the FDCPAs requirement for timely debt validation. The verification provided also did not establish ownership of my specific account. 

Velocity further deflected responsibility by instructing me to contact their law firm, XXXX XXXX XXXX XXXX XXXX, instead of providing a full resolution directly. This is not a resolution to my complaint and does not satisfy the requirements of federal law. 

I believe Velocity is misrepresenting ownership, failing to validate the account properly, and allowing false information to remain on my credit report. Their actions appear to violate the FDCPA, FCRA, UCC 9-210, and potentially other consumer protection statutes.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Improper use of report also unable to dispute or make personal statement I want to opt out permanently of all agencies and tired of unauthorized use of my Trademark. No late payments allowed and I want all debts validated and see 18 USC 8 says all debts public and private are obligations of XXXX not XXXX XXXX so get it right

Company response to consumer: Closed with explanation