vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a follow-up complaint against Capital One Bank ( USA ) , N.A. regarding their continued mishandling of my business account and failure to return over {$20000.00} in legitimate client funds after more than XXXX months of delay. 

Background : I am the owner of XXXX XXXX, a registered business in XXXX. 
On XX/XX/year>, a client deposited funds into my XXXX XXXX business checking account. 
On XX/XX/XXXX, XXXX XXXX restricted the account, citing the need for XXXX documentation. I complied with all requests, including removal of the XXXX from the account ( XX/XX/XXXX ). 

XX/XX/XXXX - XX/XX/XXXX, despite multiple follow-ups by me, XXXX XXXX provided no clear next steps. 
On XX/XX/XXXX, after an initial attempt to verify to the remitter, I was told the account would be closed. I received no formal closure letter, and no instructions for accessing the funds. 
Following this, I was able to successfully verify the remitter and the deposit was confirmed as legitimate. 
On XX/XX/XXXX, I was told the funds would be returned to the original sender. 

Summary of Harm : Capital One has failed to provide a trace number, ACH return reference, or any verifiable proof that the return was ever initiated. 

I have been unable to operate my business, pay contractors, or fulfill obligations for more than XXXX months. 

My client, a Federal Reserve contractor, has also been harmed and misled.

Capital One has offered no timeline, no accountability, and conflicting explanations throughout this process. 

Ongoing Issue : On XX/XX/XXXX, Capital One told me in person that the return process had " just begun. '' On XX/XX/XXXX, I received a mailed letter dated XX/XX/XXXX stating that the funds would be returned. 

As of XX/XX/XXXX, no return has occurred.

I called Capital One in the morning - who now claims that the returning bank has not accepted the funds '' and further more assured me that " the return was started when they said it was. '' This same day, I asked my client ( the original sender ) to contact their bank. Their bank confirmed they had not received any return or any inquiry from Capital One about the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MD

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding a third-party debt collection agency, XXXX XXXX XXXX, which is currently attempting to collect a debt from me in the amount of approximately {$3700.00}. 

I have made multiple payments toward this balance in the past and recently requested a record of those payments including payment dates, amounts, and a breakdown of how the current balance was calculated. Rent XXXX XXXX has refused to provide this information, stating that they can not give any documentation showing past payments because its been a while, and that I will not receive anything until the debt is paid in full. 

I believe this is unacceptable and possibly a violation of the Fair Debt Collection Practices Act ( FDCPA ). As a consumer, I have a right to validate the accuracy of a debt, especially when Ive already made payments. Refusing to provide a payment history prevents me from confirming whether my prior payments were properly applied and if the balance being requested is accurate. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure Rent Debt Automated : Provides a complete and accurate payment history Issues a breakdown of the current balance Ceases any misleading or deceptive collection practices Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX IN COMPANY - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$68.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I have dispute a vehicle that is on my credit report that I didnt purchase. I asked for them to provide documentation of a contract with my name on it or the loan in which the person signed to compare my signature. Every request was denied and no documentation was provided. They stated it will take XXXX XXXX to investigate. I also asked for incorrect information as far as addresses be removed and other information that didnt belong to me. Nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Im writing to dispute the late payment remarks reported on my XXXX XXXX  account. The report shows multiple XXXX XXXX late payments XX/XX/year> and XX/XX/year>, but this is inaccurate. Ive had auto-pay set up on this account, and payments have always been scheduled to be made on time. To my knowledge, there were no missed or late payments, and I never received any notifications of issues with payment processing. Im requesting that these late marks be investigated and removed from both my account and my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Reporting Formal Demand for Deletion Under 15 U.S.C. 1681b To Whom It May Concern, This letter is to formally notify you that you are reporting information on my consumer credit file without my authorization, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which clearly states that consumer reporting agencies may only furnish a consumer report if there is a permissible purpose and proper written consent from the consumer. 

I have never given Equifax written consent to furnish or obtain my personal or financial information related to XXXX XXXX XXXX  XXXX, Account XXXX XXXX, nor have I ever established a business relationship or initiated any transaction requiring such access. 

Your agency has therefore violated my rights under federal law by reporting and furnishing this information without authorization. You are now legally obligated to : Immediately delete the above-referenced XXXX XXXX account from my credit report. 

Provide me with written confirmation that this account has been removed. 

Cease and desist from sharing or reporting any unverifiable or unauthorized information on my credit profile. 

Should you fail to act in compliance with federal law, I will have no choice but to take further legal steps and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will also consider seeking legal relief. 

This is a serious matter that requires your immediate attention. I expect full compliance and written confirmation of deletion within 15 calendar days of receipt of this notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: VA

Complaint narrative:
a company from XXXX I can't remember because I'm legally impaired. I have XXXX issues they were harassing me a few minutes ago and demanded and they said something about {$5000.00} I never took out anything with XXXX or {$2000.00} if I think I can remember I think it was about {$500.00} XXXX maybe XXXX no more I just can't remember they were really rude and threatened to take my assets with little bit I do have I don't work the name of the company I believe is check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
Wrong information reported on credit report & invalid investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Account Number XXXX Balance : {$11000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$570.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$1500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Balance {$200.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Balance {$180.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX 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

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-20 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a verbal settlement offer from XXXX XXXX XXXX XXXX for my Citi loan account ( loan amount is XXXX ) on XX/XX/year>. The payment/offer was due XX/XX/year>. When I asked on the XXXX for written confirmation of the settlement terms before submitting payment, the XXXX representative sounded annoyed and insisted I didnt need that and that they dont send that. 

During this call, the representative repeatedly insisted that I give my bank account number for payment. I explained multiple times that I was not comfortable providing that information and preferred to use a cashiers check. The representative insisted that my bank account number would appear on a cashiers check anyway which is false. 

The representative also told me during our first call that she had just sent out the settlement email and I should receive it within XXXX hours. She even had me check my email during the call. However, when I called the next morning, a different representative contradicted that this was possible by telling me that a different part of the office handles sending those emails, and that department would not be available until later that morning. 

In this second call in which I had stated I had still not received the email, I asked to record the call and insisted that written confirmation be provided to show that the lump sum payment would resolve the debt with both the collector and the original creditor. After this, my phone calls stopped being answered. 

Later that day, on the XXXX, XXXX sent an email that only stated they would follow through with whatever was said on the first call. The representative had been dodgy about agreeing to anything on the first call, including that this would satisfy the debt completely from their side, as well as Citis. She would not state that this would prevent legal action. I also had not recorded this call. 

I have made multiple attempts by phone and email requesting written confirmation of the above terms I requested ( no legal action, the payment fully satisfying the debt ). I have received no response and have made multiple attempts by phone and email to request next steps. 

I believe that asking for transparency and asking to record the call led to retaliation. 

I am trying to resolve this account in good faith and move forward with my life. It is strange that after pursuing me for payment for so long and even contacting my family to ask for my address when I am finally able to pay, XXXX is now refusing to communicate. This includes refusing to communicate when an offer was still valid, causing the time to run out on this offer. I do not know how to move forward in resolving this debt, and it keeps me in a position to worry about legal action.

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 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
eMailed Prosper MULTIPLE times since XXXX : I have a case worker for something else - shared this stuff about you not allowing me to change my banking info and thus keeping me from accessing my money. 

She insists it's " financial abuse of an elder '' and gave me a couple more regulatory agencies to notify. 

All I wanted to do was get this money out and into my current bank account. Why are so shady? My case worker insists I further notify online media sites ( XXXX, XXXX, etc etc, SO many! ) and the XXXX, FTC, CA Atty XXXX, to encourage an audit in to whether or not you're doing the same to other people. Not letting them access their own money because a bank account may have changed/expired. 

And you're doing this for what?? {$200.00}. Really?

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