vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am the intended recipient of the following wire transfer : Sender : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Sender Account : XXXX Wire Sequence : XXXX Reference ID : XXXX Amount : {$70000.00} Date Sent : XX/XX/year> Receiving Bank : Capital One, N.A. ( XXXX ) Beneficiary Name : XXXX XXXX XXXX Beneficiary Account : XXXX Beneficiary Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX After this transfer posted, Capital One placed a third-party hard hold on my account. Because of this hold, I currently can not access, withdraw, or use the funds in any way. As a result, I am unable to complete the transaction I was engaged in with the sender. 



Why recall is required The sender and I were conducting a legitimate transaction, but due to the hard hold : I can not access the {$70000.00} I can not deliver the value owed to the sender I can not close the transaction Capital One has informed me that the funds will remain frozen until the investigation finishes Therefore, the only viable resolution is for the funds to be returned through a bank-initiated recall, so that the sender receives her original payment back and the matter can be properly closed. 



Recipients Confirmation I hereby confirm the following : 1. I do NOT dispute the wire recall. 
I fully agree to returning the {$70000.00} to XXXX once they initiate the official recall request. 
2. I will fully cooperate with both banks and the CFPB to expedite the return. 
3. I request CFPB assistance in notifying both institutions that I consent to the recall and that I am unable to complete the transaction due to the hold. 



Important Notice Regarding Other Transfers If Capital One or XXXX have any questions regarding any other incoming transfers, I request that : they provide me with an official written explanation, specifying any additional recall requests, disputes, or concerns. 

If there are other recall attempts on unrelated wires, this may constitute a double spend scam, and I will immediately submit these documents to law enforcement authorities, as instructed by my legal advisor. 

I have provided all information and documents available to me, but my bank has refused to assist me further due to the ongoing hard hold. 
For this reason, I am forced to seek regulatory and law-enforcement intervention to protect myself. 



I respectfully request CFPB assistance in facilitating the proper recall procedure and ensuring transparent communication between XXXX and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX a number from td bank customer service called me saying there was fraudulent activity on my account. They asked me personal questions and told me they cancelled my card and were mailing me a new card. They said I had to say yes to the transaction in order for it to be disputed. On XX/XX/XXXX I called back to verify everything was settled thats when I was notified that there was no reports of calls on my account and that it mustve been a fraudulent call from TD bank. I made a dispute and it was denied saying I authorized the transaction. I then went into td bank and did a second claim where I then sent screen shots of the call and sent a XXXX of the XXXX transaction that clearly stated its a scam. This was a {$3600.00} dollar charge to XXXX based off in XXXX where I have never been. Then on Monday XX/XX/XXXX I got 2 calls from td, I was advised to not pick up td calls because they would text or call. I emailed the banker I worked with to verify but got no response. I then called customer service and was told they did call me but could not transfer me. I asked if not picking up the call would be used against me and they said no. And told they would call me again. On XX/XX/XXXX I was sent an email from the banker saying that my dispute was denied again. They then filed another claim for me on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Complaint Summary : PenFed Credit Union processed an international wire transfer on XX/XX/year> from New Jersey to a bank in XXXX. 
Transaction Details Request On : XX/XX/year> Date Sent : XX/XX/year> Amount : {$19000.00} Sending Institution : PENTAGON FEDERAL CREDIT UNION ( PenFed ) Receiving Institution : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking Control Number : XXXX Beneficiary Account : XXXX Beneficiary XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Purpose : Personal remittance The receiving bank reports that it can not locate or trace the funds. I contacted PenFed multiple times, but PenFed has refused to : Open a formal dispute Provide a complaint or case number Initiate a remittance transfer error investigation Conduct a XXXX trace Provide the XXXX documentation PenFed staff specifically stated that they can not register a complaint and give me a complaint number, which is inconsistent with applicable federal regulations. 

Violations/ Concerns : PenFeds refusal to initiate an investigation appears to violate : CFPB Regulation E ( 12 CFR 1005, Subpart B Remittance Transfer Rule ), which requires institutions to investigate consumer remittance errors within 90 days, and UCC Article 4A, which obligates the sending institution to assist in tracing funds and provide payment order information. 

PenFeds refusal has prevented resolution and placed the entire financial burden of a missing international wire transfer on 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 monetary relief
Consumer complaint received 2025-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, a charge for {$1800.00} from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was posted to my Bank of America Mastercard. I made this payment in person for a flight upgrade, but due to a technical issue, the merchant voided the transaction immediately and provided a receipt showing that the charge was canceled. 

Despite this, the charge was still posted to my account. I contacted Bank of America and opened a dispute on XX/XX/year> ( Claim ID : XXXX ). Since then, the bank has not provided updates, resolved the issue, or issued a temporary credit. 

I submitted proof of the voided transaction, yet the charge remains. Bank of America has failed to investigate or act promptly as required under Regulation Z ( Truth in Lending Act ) for billing disputes. 

I am seeking CFPB assistance because Bank of America has not followed proper dispute-handling procedures.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Turning Point Solutions LLC
State: IN

Complaint narrative:
I asked for debt validation and proof that they own the debt and the debt was or was not securitized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are duplicate and conflicting entries for some of these accounts, as well as accounts that can not be verified. Some appear to be collection or charge-off listings without proper validation. I request that Experian verify these items with documentation from the data furnishers or remove them entirely. 

Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I do not recall authorizing some of these inquiries. Please confirm whether they were made with my consent and for a permissible purpose. Remove any unverifiable or unauthorized inquiries. 

Late Payments XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Late payment reporting appears inconsistent or inaccurate. Please verify with the creditor and correct or delete any inaccurate entries.

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 2025-11-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-12 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
My TransUnion credit report is showing inaccurate late payment information for my XXXX XXXX ( XXXX ) account opened on XX/XX/year>, and reported on XX/XX/year>. The report shows late payments for XXXX and XX/XX/year>, even though I made my payments on time and my account is currently reported as in good standing. These late payment notations are incorrect and have negatively impacted my credit score. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, which require TransUnion to maintain reasonable procedures to assure maximum possible accuracy and to investigate disputed information. It also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers such as XXXX XXXX from reporting information they know or should know is inaccurate.

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 2025-11-12 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed multiple inaccuracies on my credit report in XX/XX/year>. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. I ask for immediate removal and proof of your investigation.

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 2025-11-12 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:
Hello my name is XXXX XXXX XXXX and I noticed multiple inaccuracies on my credit report in XX/XX/year>. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. I ask for immediate removal and proof of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
There are a few charges that were made without my know or permission. I believe that my card was stolen, somehow returned and then restolen as XXXX of the charges were made but there is a purchase I know I for sure made a couple days later and then a bunch came in after that, that I do not have any knowledge of. The charges are as follows XXXX charges for a smokers place ( which I dont even smoke so thats odd. XXXX for XXXX $ and another for XXXX Then a XXXX charge for XXXX and a weird credit. 
Then XXXX XXXX charges each for XXXX, and XXXX and XXXX XXXX charges XXXX for XXXX $ then another for XXXX $ I have supplied all the proofs requested. I supplied the police report, communications with the merchants showing the unauthorized charges, I even provided pictures from XXXX communications showing where the packages were delivered which have no connection to me or my family. I have tried doing everything in my power to supply them with the information they need to help me get my rightful money back but they have failed miserably. They decline it before even looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my account was restricted on Robinhood from sending my crypto. I tried to connected support but it didnt help.

Company response to consumer: Closed with explanation