vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX XXXX and was frozen on or around XX/XX/year>, without warning. XXXX XXXX now claims they no longer have my money and don't know where it is. 

When my account was frozen, I had {$25000.00} in the account. Since then, I have recovered {$0.00}, leaving {$25000.00} still inaccessible over a year later. 

This interruption has caused me significant financial hardship and embarrassment. 
I experienced severe anxiety, loss of sleep and distress due to the sudden loss of access to my savings. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
* Subject : * Request to Remove Inaccurate or Unfair Late Payment from Credit Report I had a {$500.00} credit card with Capital One that I maintained in good standing for over 4 years. Unfortunately, due to a one-time late payment in * XX/XX/2025 *, my account was closed by the bank. 

I have since paid the full balance, including all interest and fees related to the late payment. I also submitted a * XXXX XXXX Request * via certified mail, which Capital One received and signed for, but I have not received any response. 

When I followed up by phone, I was told that the dispute was not their responsibility and that I had to contact the credit bureaus directly. However, the late payment was * reported by Capital One *, so they have the authority to request its removal. 

Given my strong history with the account and the isolated nature of the late payment, I am requesting that Capital One * remove this late mark * as a goodwill gesture. 

Thank you for your assistance. 
Best wishes XXXX XXXX [ Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I filed for bankruptcy, which was discharged on XX/XX/XXXX. My student loans were included in the bankruptcy filing. Despite this, U.S. Department of Education/AidVantage continues to report these accounts with negative payment history, delinquent status, and an outstanding balance owed.

This reporting is inaccurate, misleading, and a direct violation of the Fair Credit Reporting Act ( FCRA ) as it does not accurately reflect the discharged status of these debts. Additionally, it violates the automatic stay and discharge injunction under the U.S. Bankruptcy Code, as continued collection reporting is a form of collection activity prohibited post-discharge.

I have contacted the servicer multiple times to resolve this. Each time, they claim the balance is still owed, despite the debt being included in my bankruptcy discharge. Their refusal to correct this reporting is damaging my credit profile and hindering my ability to rebuild post-bankruptcy. It is also a willful failure to conduct a reasonable investigation into my dispute under FCRA 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
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 Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXXXXXX 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 2025-06-30 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: NJ

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wet ink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
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 non-monetary relief
Consumer complaint received 2025-06-30 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I withdrew {$90.00} from XXXX to my verified XXXX  account. The money showed up in my balance, but I was unable to send, transfer, or use it. On XX/XX/XXXX, I made another withdrawal from XXXX, which is still pending and has not shown up in my XXXX  at all. 

Since XX/XX/XXXX, I have been completely unable to use any of the money in my XXXX  balance including the {$90.00} that was already received. I contacted XXXX  support, and they told me to wait a few hours. It has now been over 3 days with no update, no error message, and no explanation. I am verified and my account appears normal, but my funds are completely frozen with no warning or cause. 

I need full access to my money immediately and a clear explanation for why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was charged off on the following date XX/XX/year> XXXX CHARGE OFF Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : ACCOUNT NUMBER XXXX FROM XXXXXXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This account was charged off on the following date XX/XX/year> XXXX CHARGE OFF Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : ACCOUNT NUMBER XXXX FROM XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9900.00}

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: LA

Complaint narrative:
This company is violating my rights they haven't provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report recently.

This is my 3rd time trying to fix this my rights are being violated and I'm entitled to {$1000.00} for every violation they either pay or delete this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company is violating my rights they haven't provided validation information under XXXX2 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report recently.

This is my 3rd time trying to fix this my rights are being violated and I'm entitled to {$1000.00} for every violation they either pay or delete this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX * * * * * * * * * * Balance : {$2400.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX  XXXX * * Balance : {$70.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One has been fraudulently charging me intrest rate and hiding information from me. I have asked to speak to a manager and have my case looked at twice and XXXX who I just spoke with today XXXX stated she would not do that for me or offer any type of resolution. She was dissmive ans rude the entire call. Capital One is charging me interest charges that appear to be related to a cash advance transaction that I don't have acces too or information on. Despite my efforts to consistently pay my credit card, I continue to see interest charges associated with this transaction on my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to challenge the validity of a collection account that has been reported on my credit file. I have not received any evidence or legally sufficient documentation to support the claim that I owe this debt. I do not acknowledge any financial responsibility for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed for bankruptcy on XX/XX/XXXX, which was XXXX on XX/XX/XXXX ( XXXX XXXX. XXXX ). My student loans were included in this bankruptcy filing, which is a matter of public record. Despite this, Equifax and Experian continue to report these accounts with derogatory payment history, a balance owed, and a delinquent status, instead of accurately reporting them as included in bankruptcy with a {$0.00} balance. 

I disputed these inaccuracies multiple times with both Equifax and Experian, providing copies of my discharge paperwork and court documents as proof. Each time, they merely verified the accounts with the furnishers without conducting any meaningful or reasonable investigation as required under FCRA 1681i ( a ). Their investigation responses are boilerplate and fail to address the actual dispute or review public court records.

This continued false and misleading reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy discharge injunction under 11 U.S.C. 524 ( a
). Reporting discharged debts as delinquent or with balances owed constitutes illegal collection activity. Their refusal to correct this reporting despite multiple disputes, and despite the public record of my bankruptcy discharge, demonstrates willful noncompliance and gross negligence. 

As a result of their actions, I have suffered financial harm, including denial of credit applications, increased interest rates, higher insurance premiums, and emotional distress due to their reckless disregard for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
For the past 2 years Mercedes Benz Financial has sold and shared information that was never authorized to do so. This is a form of stolen identity and has been ongoing for the past 2 years. MBF has falsely marked this account as open, with a XXXX monthly payment and a enormous balance. According to FCRA 1681b and GLBA protects consumers from data sharing and privacy, Im requesting a full investigation and immediate block and delete from all and any reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper documentation and notification, please provide Certified mail with receipt displaying my signature. If not please delete account number # XXXX Ref Number # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year>, the Honorable XXXX XXXX XXXX of the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX, granted preliminary approval of this class action Settlement and directed the litigants to provide this notice about the Settlement. You have received this notice because XXXX records indicate that you may be a XXXX XXXX XXXX, and you may be eligible to receive a payment from the Settlement. Please visit XXXX for more information. The Final Approval Hearing on the adequacy, reasonableness, and fairness of the Settlement will be held at XXXXXXXX XXXX on XX/XX/year> in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. You are not required to attend the Final Approval Hearing, but you are welcome to do so at your own expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I took out a vehicle loan under my name for a family member who agreed to make the monthly payments. Unfortunately, they failed to make the payments as promised. 

After several missed payments, I informed the lender and voluntarily returned the vehicle to avoid further damage to my credit. The vehicle was repossessed and later sold by the lender. 

However, I recently discovered that the repossession is still listed on my credit report, and I am being held responsible for the remaining balance after the sale the deficiency balance. 

Im requesting a full investigation into this account, including documentation of the vehicles sale, breakdown of fees applied, and how the balance was calculated. 

I am also requesting, as a courtesy and act of goodwill, that the lender remove or update this negative information from my credit report, as I acted in good faith and tried to prevent further damage. 

I am working hard to rebuild my credit and would appreciate the lenders support in updating the reporting or considering deletion of the repossession.

Company response to consumer: Closed with explanation