vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: AL

Complaint narrative:
AVA FINANCE INC Account : AVA Finance Inc. ( Balance {$27.00} | XXXX Late Payments ) reporting on XXXX Re : Direct Furnisher Dispute Inaccurate Late Payment Reporting I dispute the accuracy and legality of this account pursuant to 15 U.S.C. 1681s2. 
Violations Inconsistent and escalating delinquency codes ( XXXX ) without complete payment history ( 1681e ( b ) ). 
Failure to maintain accurate Metro 2 payment rating fields. 
Privacy and permissiblepurpose concerns ( 1681b ). 
AVA FINANCIAL INC / AVA FINANCE Reported on XXXX XXXX XXXX XXXX : {$27.00} XXXX late payments reported inconsistently Recent updates : XX/XX/year> Dispute Basis : Inconsistent delinquency reporting between bureaus ; de minimis balance ; potential Metro 2 accuracy violations ; failure to report complete payment history.

Demand Delete this tradeline or provide full documentary and Metro 2 fieldlevel verification within 30 days.

FINAL NOTICE Failure to comply within 30 days will be documented as willful or negligent noncompliance with the FCRA, FDCPA, CARES Act, Metro 2 standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for severe violations of the Fair Credit Reporting Act ( FCRA ). These companies are reporting blatantly inaccurate and contradictory information about my XXXX XXXX  XXXX account ( ending in XXXX ) and have completely failed to conduct a reasonable investigation for over eight months, despite my providing irrefutable proof. 

The core violation is that all three credit bureaus are reporting information they know or should know is inaccurate. I possess a signed and sealed letter from XXXX XXXX  XXXX, the original furnisher, which officially certifies that this account was " Paid in Full. '' This is concrete documentary evidence that directly contradicts what is on my reports. I mailed this proof to all three bureaus via certified mail more than eight months ago. 

Despite this direct evidence from the furnisherwhich triggers their duty under FCRA 1681s-2 ( b ) to conduct a reasonable investigationthe bureaus have willfully ignored it. This failure to correct the information after being provided with definitive proof violates my rights under FCRA 1681i. The law does not allow for " verification '' that consists of simply asking the furnisher again while ignoring the consumer 's contrary evidence, as established in precedent cases like XXXX v. XXXX & XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: IN

Complaint narrative:
I am filing this complaint regarding a missing international remittance sent via the XXXX  app XXXX XXXX XXXX ) from the XXXX to XXXX. 

On XX/XX/year>, I initiated transfer of XXXXXXXX XXXX XXXX XXXX XXXX XXXX to the my XXXX account ( Account No : XXXX ). however it remains missing despite Abound marking it as " Delivered. '' The Details of the Missing Transaction : Abound Transaction ID : XXXX Amount : XXXX XXXX  Expected date for setlement : Approx. XX/XX/year> XXXX  Provided by Company : XXXX The Issue : The company claims the funds was delivered on XX/XX/XXXX. However, the recipient bank has confirmed that no credit was received for this specific transaction. I have successfully received credits for the other transfers sent before and after this one, which proves the recipient account details are correct and active. 
Despite contacting the provider, the issue remains unresolved. Under the Remittance Transfer Rule ( Regulation E ), the provider is responsible for investigating this error and ensuring the funds are delivered or refunded.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
Pursuant to XXXX U.S. Code XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Novo Platform Inc.
State: TX

Complaint narrative:
I closed my Novo bank business checking account in 2024. I submitted a request to Novo support on XX/XX/XXXX to provide my bank statements for the life of the account. They responded with an email on XX/XX/XXXX to verify my ID. I promptly provided all requested documentation to verify my identification. Despite full compliance, I have received no response and have not been provided the bank statements I requested, causing unnecessary delay. I am unable to file my nonprofit business tax returns without this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing hard credit inquiries reported on my consumer credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a hard inquiry may only be reported if obtained with a lawful permissible purpose and proper consumer authorization. These inquiries are being reported without documented proof of authorization or a valid permissible purpose. Accordingly, I am requesting the removal of any hard inquiry that can not be fully verified as compliant with the FCRA.

I am requesting the removal of the following unauthorized credit inquiries, as no permissible purpose under FCRA 604 has been demonstrated and no proof of my authorization was provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-16 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: ADP Inc.
State: MN

Complaint narrative:
While I was at home napping, I received a text alert on my phone on XX/XX/year>, that said {$240.00} had been taken out of an ATM, then another alert denying an attempt to take out {$100.00} right after the {$240.00}, then another alert denying an attempt to take {$60.00} out. I would never attempt to take out more than {$300.00}, because I know my card only allows {$300.00} to be taken out per day. As soon as I read these alerts I contacted the Wisely by ADP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and reported fraud on my card. They closed my card, and said they would send paperwork to me to dispute the charge. I received the paperwork XX/XX/year>, and emailed current photos of me, and told them there are cameras all around the place this fraud had taken place at plus there's a camera on the ATM. They immediately denied my disput claim after I emailed all the paperwork and multiple current photos and other proof that someone had skimmed my card while it was in my pocket at some time, to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX contacted me multiple times threatening me with legal action after I told them I don't recall this debt and don't believe it is my debt. I asked for the account number and written proof of the debt. They refused. I was afraid of my credit rating would be damaged and I foolishly settled for a significantly lower amount. I " debt '' contacted the supposed original creditor and they had no record of any account in my name. 
I have also just been contacted by another collection agency for the same " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: TX

Complaint narrative:
Levy & Associates , LLC XXXX OH They have not sent any prior correspondence in regard to debt collection. They have presented to bank a legal hold. I have called many times, they do not answer or return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX {$14000.00} was withdrawn from my Bank of America account without my authorization. The withdrawals occurred in XXXX, XXXX, while I live in XXXX, XXXX XXXX and was not present in XXXX. 

I reported the fraud immediately to Bank of America. I was informed the investigation could take 45 to 90 days, but Bank of America only provided {$2000.00} in provisional credit, leaving {$12000.00} unavailable to me during the investigation. 

There is strong evidence of fraud, including out-of-state withdrawals and suspects identified on surveillance cameras. Despite this, Bank of America has refused to provide full provisional credit. 

As a direct result of Bank of Americas delay and failure to provide adequate provisional credit, two of my accounts became delinquent and were closed, causing my credit score to drop more than 120 points. 

I am requesting immediate provisional credit for the full disputed amount of {$14000.00}, correction of all negative credit reporting caused by this delay, and a written explanation of the legal basis for issuing only {$2000.00} in provisional credit. I believe Bank of Americas actions violate the Electronic Fund Transfer Act ( Regulation E ).

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 2025-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported debit card fraud on my Bank of America account. 
{$8900.00} in my account is undisputed insurance proceeds and is NOT part of the fraud claim. 
Bank of America disabled my debit card and all access to my funds without any prior notice, even though my account remains open until XX/XX/XXXX. 
Bank representatives were unable to identify any legal basis for withholding undisputed funds and stated only that a discretionary request would be submitted, with no guarantee of release. 
The bank is refusing to release undisputed funds and is requiring me to wait months for a mailed check. 
These funds are needed for housing reconstruction after a fire, and the lack of access is causing severe financial hardship. 
There is no court order, garnishment, or allegation against me. 
I am requesting immediate release of undisputed funds. 
My name is XXXX XXXX. My address XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. My Social Security number is XXXX XXXX. My phone number is 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 monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Cordoba Legal Group, PLLC.
State: CT

Complaint narrative:
Hello, My name is XXXX XXXX. My phone number is XXXX, and my email address is XXXX. I enrolled in debt settlement services with Cordoba Legal Group to assist with four credit card accounts, with a total balance between {$10000.00} and {$10000.00}. I agreed to a monthly payment of {$280.00}. 

While enrolled in the program, I made three payments totaling {$840.00}. Throughout my time working with Cordoba Legal Group, I repeatedly followed up regarding the status of negotiations with my credit card companies. Despite these efforts, I later discovered that Cordoba Legal Group did not contact any of the credit card companies on my behalf.

After multiple requests to speak with a manager, I was informed last week that they had allegedly negotiated with XXXX XXXX XXXX, reducing my balance from {$1800.00} to {$1000.00}, with a monthly payment arrangement of {$87.00}. I was also told that a payment of {$87.00} had been made to XXXX  XXXX XXXX. However, upon contacting XXXX  XXXX XXXX directly, I was informed that no negotiation had occurred and that no payment had been received on my account. 

Following this discovery, I requested to close my account with Cordoba Legal Group and asked for a refund. I was informed that, of the {$840.00} I paid, I would receive only {$68.00}. After conducting further research, I became concerned that Cordoba Legal Group may be operating fraudulently. 

Therefore, I, XXXX XXXX, am formally requesting a thorough investigation into Cordoba Legal Groups business practices regarding my account and the handling of my funds and support to retrieve my funds back.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX XX/XX/year> [ Collection Agency Name ] [ Address ] [ City, State ZIP Code ] RE : Request for Debt Validation Account Number XXXX XXXX XXXXo Whom It May Concern : I am writing in response to a notice I received from your company regarding an alleged debt. This letter is not a refusal to pay, but a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a breakdown of any interest, fees, or other charges.

3. A copy of the original signed agreement or contract that created the debt.

4. Verification that your company is licensed to collect debts in my state, including your license number.

5. Proof that you have the legal right to collect this debt.

Until you provide the requested documentation, please cease all collection activity, including phone calls, emails, and reporting this account to any credit bureau.

If you can not provide proper verification, or if you continue collection efforts without doing so, it will constitute a violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
My car was towed while I was XXXX  and then sent to the junk yard for parts.

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 2025-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, a purchase of {$160.00} was made from my account by XXXX XXXX, which the company has not yet refunded, and the bank is not helping me with this issue. 

claim 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 2025-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The collections agency sends information by mail approximately every two weeks regarding the collection of this debt, without displaying any personal information on the main part of the correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
Company Name : LoanDepot.com, LLC Company Address : XXXX XXXX XXXX XXXX, XXXX, California XXXX Loan Officer Name : Ali Subject : Unauthorized Hard Credit Inquiry, Falsified Loan Application, and Harassment To the Consumer Financial Protection Bureau, I am filing this formal complaint against LoanDepot.com LLC regarding deceptive business practices, unauthorized access to my credit report, aggressive harassment, and the creation of a fraudulent loan application without my consent.

Chronology of Events : Initial Inquiry : Following the Federal Reserves recent interest rate adjustments, I utilized an online mortgage refinance calculator to check current rates. The website explicitly stated that this tool would not result in a hard credit inquiry.

Verbal Assurance : I was immediately contacted by a LoanDepot loan officer identified as " XXXX. '' During our conversation, XXXX XXXX explicitly confirmed that he could provide an interest rate quote without a hard pull on my credit. We discussed options and determined that refinancing was not beneficial at this time. We agreed to potentially " regroup '' in XXXX months. 

Harassment : In the days following this conversation, I was bombarded with multiple calls and text messages daily. When I contacted XXXX XXXX to complain, he apologized and stated the texts were automated and would stop. They did not stop. I continued to receive aggressive solicitations regarding " new programs '' and " veteran programs. '' Revocation of XXXX : I explicitly demanded that LoanDepot remove me from their contact list and cease all communication. The calls and texts persisted despite this request. 

Unauthorized Hard Inquiry & Application : On XX/XX/year>, I received a physical package in my mailbox containing a completely filled-out XXXX Uniform Residential Loan Application. I did not fill out this application. I did not provide the data to populate it. I did not sign it. Concurrent with this, a hard inquiry appeared on my credit report from LoanDepot. 

Violations Reported : Deceptive Practices : I was promised a " soft pull '' or rate check only. The company misrepresented the nature of the inquiry to gain access to my personal data.

Unauthorized Credit Access ( FCRA Violation ) : I did not give permissible purpose for a hard credit inquiry. I explicitly declined to proceed with a loan at this time.

Unauthorized Application : LoanDepot created a fully completed mortgage application in my name without my participation or consent. This suggests they fabricated details or used data without authorization to initiate a loan process I never agreed to. 

Harassment : The company ignored my direct requests to cease communication and continued to solicit me via phone and text.

Company response to consumer: Closed with explanation