vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Subject : Unlawful 45-Day Hold on Check Deposit Citizens Bank I am filing this complaint against Citizens Bank regarding a recent check deposit of {$25000.00} into my personal checking account in Massachusetts. 

On XX/XX/year>, I deposited a check, and Citizens Bank initially placed a standard hold. However, I was later informedvia phone on XXXXthat the bank has now imposed an exception extended hold for 45 days, allegedly due to waiting on the issuing bank to provide confirmation.

I have not received any Regulation CC-compliant written notice ( as required under 12 CFR 229.13 ) explaining : The specific legal or regulatory basis for the 45-day hold The reason this hold exceeds the standard 7- or 9-business-day limit Any indication of fraud, returned check, or legal process that would justify this length Based on my understanding of Regulation CC, this situation falls under the reasonable cause to doubt collectibility exception, which only permits a 7-business-day hold. Citizens Bank has failed to justify this excessive extension and is currently withholding access to
{$25000.00} without proper documentation.

This delay is causing significant financial strain and appears to be a violation of federal banking law and Massachusetts consumer protection standards.

I am requesting : Immediate investigation into this hold That Citizens Bank be required to either release the funds or provide formal justification consistent with federal regulation Confirmation that appropriate action will be taken if the hold is deemed unlawful Thank you for your attention and help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: DailyPay, Inc
State: VA

Complaint narrative:
I am filing this complaint regarding DailyPay, a wage access platform that has withheld part of my earned wages without proper explanation or transparency. Despite multiple written requests, DailyPay has failed to provide a complete, itemized breakdown of my transactions, including early pay transfers, withholdings, and paycheck applications. They are claiming an overpayment occurred, but based on the numbers shown ( e.g., a {$420.00} transfer on XX/XX/2025, and a {$390.00} paycheck on XX/XX/XXXX ), their claim is not supported by actual data. 

DailyPays system is allegedly designed to prevent overpayments, which raises serious concerns about a system error, miscalculation, or integration failure with my employers payroll system. Additionally, they have withheld funds without advance notice or proper documentation, which may constitute unauthorized wage withholding or deceptive business practices.

From my research, I have found multiple consumers online reporting similar issues with DailyPay, suggesting this may be a broader systemic pattern. I am in the process of consulting a consumer protection attorney to explore whether this could qualify for mass arbitration or class action litigation. 

I am requesting the CFPB investigate this matter and ensure DailyPay is held accountable for withholding wages, failing to provide clear disclosures, and potentially violating consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
XX/XX/year> CFPB Complaint Against Student Loans Servicer Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against, XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX XXXX Digits of XXXX : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I never did business with XXXX XXXX XXXXXXXX RE : You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. USC 1681b Permissible purpose of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and states.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

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 XXXX 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account avant is reporting XXXX late payments via TransUnion XXXX experian XXXX XXXX late payments via equifax. All are reported wrong on all XXXX bureaus as well as equifax isnt consistent with the other XXXX bureaus. Per FCRA 15 U.S. Code 1681 section 611, 623 Im asking for immediate removal of late payments. Ive been on time & made my minimum due. It is impacting my ability to establish credit with other companies.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account avant is reporting XXXX late payments via TransUnion XXXX experian XXXX XXXX late payments via equifax. All are reported wrong on all XXXX bureaus as well as equifax isnt consistent with the other XXXX bureaus. Per FCRA 15 U.S. Code 1681 section 611, 623 Im asking for immediate removal of late payments. Ive been on time & made my minimum due. It is impacting my ability to establish credit with other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 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 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. 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.

2. 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? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Two debt collection XXXX XXXX XXXX ( XXXX ) and ProCollectare both reporting the same rental debt on my credit report.

ProCollect is the current agency handling the debt and has contacted me directly. However, XXXX is still reporting the debt as active and unpaid, which is causing duplicate reporting and unfairly damaging my credit.

I previously disputed this with the credit bureaus, but they did not resolve it. Im requesting that XXXX either remove their tradeline or update it to show transferred/closed, in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX Reported Debt on XX/XX/XXXX with a {$14000.00} debt. 
ProCollect Reported Debt on XX/XX/XXXX with a {$14000.00} debt. 

This is also unfair since the XXXX ( not actively reaching out to me but started the debt was in XXXX. ProCollect started in XXXX Who has been reaching out directly but wasn't the original creditor. This debt amount is also false.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Novo Platform Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX placed a {$900.00} authorization hold on my Novo debit card at the start of a car rental. The vehicle was returned on XX/XX/XXXX, and on XX/XX/year>, XXXX issued the final receipt showing I was charged {$400.00}, which has successfully posted to my account.

Despite confirmation from the merchant that the transaction is finalized and no further funds are due, Novo continues to hold the remaining {$490.00}. I have provided them with the receipt and screenshots showing the completed charge and merchant release. Novo acknowledges receiving these, but claims they are unable to release the hold without a network-level release from the merchants payment processor ( XXXX ). 

This has now been over two weeks, and I am caught between the merchant and the bank. Both parties claim responsibility lies with the other. Meanwhile, my funds remain inaccessible, creating financial hardship. This prolonged hold on my debit card, after a completed and posted transaction, is unfair, harmful, and in my view, a violation of my rights under the Electronic Fund Transfer Act. I am requesting that the CFPB investigate this issue and help compel
Novo Platform , Inc. to immediately release my remaining funds or provide a lawful justification for why they are allowed to restrict access after a transaction is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and obsolete information listed on my TRANSUNION credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request that your agency conduct a reasonable investigation and remove the following inaccurate items : Negative Items to Dispute : XXXX - Account # 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 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 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 Please investigate these accounts and inquiries, and if they are found to be unverifiable or inaccurate, delete them from my credit file immediately.

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 2025-07-28 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Credit Inquiry FCRA 604, 609, and 611 Dear Experian, I am formally disputing a hard inquiry that appears on my Experian credit report, which I did not authorize, as per the Fair Credit Reporting Act ( FCRA ) sections 604 [ 15 U.S.C. 1681b ], 609 [ 1681g ], and 611 [ 1681i ]. 

Inquiry in question : - Creditor : XXXX XXXX XXXX XXXX- Date : XX/XX/year> - Bureau : Experian Legal basis : 1. Under FCRA 604, I never granted any written, verbal, or electronic consent for this entity to access my credit report.

2. Under FCRA 609, I request a copy of any documentation that Experian has on file showing that I provided permissible purpose for this inquiry.

3. Under FCRA 611, I am disputing this entry as inaccurate and am requesting its immediate removal unless verifiable evidence of my authorization is provided.

Previous Response : I have previously contacted your office and was told that I must contact the creditor directly to dispute this inquiry. However, this contradicts the FCRA which mandates that the credit bureau conduct its own reasonable investigation. The FTC has previously ruled in similar cases against such practices. Therefore, I request the following : 1. A full investigation into this inquiry.

2. Documentation proving I authorized this credit pull.

3. Removal of the inquiry if such evidence can not be produced.

4. A free updated copy of my credit report once this investigation is concluded.

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 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I am receiving multiple calls per day via my home number and cell number. I have made a payment arrangement and continue to get multiple calls each day. The company will call my home number then call my cell number the same day. I have asked for the repeated calls to cease but they have not. This is for a auto loan for a vehicle that has needed intensive repairs since I purchased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX 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 : {$0.00} XXXX - Account Number : XXXXXXXX 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 : {$0.00} XXXX - Account Number : 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 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 XXXXalance : {$4500.00}

Company response to consumer: Closed with non-monetary relief