vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I did an instant transfer of funds from my XXXX XXXX  account on XX/XX/XXXX. The funds are still not available today on XX/XX/XXXX. I contacted Regions and they said they have a known issue affecting transfers from XXXX, but do not have an ETA for resolution. I pressed further to see when my funds will be available and was told to refer to their previous statement. I further explained that im broke and need to put gas in the car to continue working. I asked why, if they can see the transfer ( showing as pending in my account ) they cant make the funds available. Again, they apologized and sais there is nothing they can do and can not provide an ETA for them my money will be made available to 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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, Equifax, or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per XXXX ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
i am seeing several accounts and inquiries on my credit report that do not belong to me. i have previously submitted disputes to the credit bureaus, but the information remains. i believe this is either a case of identity theft or a mixed file. Additionally, there are multiple hard inquiries on my report that i did not authorize. this has negatively impacted my credit score. i am requesting a full investigation and removal of all inaccurate or unauthorized entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANC OF CALIFORNIA, INC.
State: CA

Complaint narrative:
I am requesting your help to prevent a late payment from being reported to the credit bureaus. The late payment occurred due to a bank processing error, not due to my negligence. I have already submitted a goodwill request to the lender ( XXXXXXXX XXXX XXXX ), who has not yet confirmed if they will avoid reporting it.

Background : Payment due on XXXX 2025 Payment amount : XXXX Payment was made on time, but bank error caused a delay I immediately resolved the issue and brought the account current I have a strong payment history with this lender This one-time error could harm my credit unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A fraudulent transaction occurred on my Chase checking account for the sum of {$6300.00} to XXXX XXXX  XXXX. When I reported it to the bank, they assumed I was lying because I have an automatic deposit from XXXX XXXX XXXX my employer. I contacted XXXX XXXX XXXX with the information, and a few days later, they confirmed that I did not owe them {$6300.00}, and then stopped the payment to the fraudulent account. The funds are being held to be returned to me if Chase requests reimbursement of the funds to the merchant. This is the quagmire. Chase Bank refuses to help simply because it has gone beyond 30 days. They created the delay because I was proving I was an employee, not a fraudster. Now that the funds are captured, I have no way to receive them back because Chase Bank refuses to help, citing the 30-day rule. I was never informed of the 30-day rule and do not recall ever signing a 30-day agreement form. When I went to the local Bank they provided me with instructions to ( go home and call this number ). This was very difficult because I'm hearing impaired. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: WV

Complaint narrative:
I am requesting the removal of the XXXX XXXX bankruptcy and all associated accounts that were discharged through the bankruptcy from my credit report. The bankruptcy was fully discharged, and several accounts continue to show inaccurate balances, statuses, or payment histories that do not reflect the discharge. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 ( a ) ( 4 ), consumer reporting agencies have a duty to ensure fair and accurate reporting, as inaccurate or outdated information can undermine a consumers ability to obtain credit, employment, and insurance. The continued reporting of these accounts is misleading and does not reflect my current financial obligations. I request a full investigation into these entries and that my credit file be corrected accordingly.

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 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX  account was compromised due to social engineering of XXXX  support staff, who allowed an unauthorized party to change the phone number on my account to XXXX a number that does not belong to me. This allowed the attacker to bypass two-factor authentication and gain full access to my XXXX  account. 

On XX/XX/2025, the attacker sold {$7600.00} worth of crypto assets ( XXXX XXXX  and XXXX XXXX ) from my account without authorization. They also attempted to transfer another {$8000.00} to a XXXX account they linked to my XXXX. 

I discovered the breach early on XX/XX/XXXX and immediately reset my password and contacted XXXX  to suspend the account, successfully preventing the attacker from draining the remaining balance. However, despite multiple messages and a support case ( # XXXX ), I have not received a meaningful response or reimbursement. 

I have provided XXXX  with detailed evidence, including : Email and app security alerts showing my phone number was changed Records of the unauthorized crypto sales and transfers Attempted XXXX link and failed payment attempts This incident constitutes unauthorized access and fraud. The attacker clearly initiated these transactions while I was locked out of the account. The root cause was XXXX support team being manipulated, not any security failure on my part. 

I am requesting that XXXX  : 1. Investigate and confirm the fraud 2. Reverse or reimburse the unauthorized transactions 3. Provide a direct contact in fraud/risk to resolve this quickly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Summary : Ally Financial is reporting inconsistent and inaccurate payment history and has added a repossession remark that conflicts with prior reporting. 

Details : My account history was altered after an earlier dispute, with late payment months reassigned and an in repossession remark added despite previously showing current for the same time period. 

This creates conflicting and inaccurate data that harms my credit and violates the Fair Credit Reporting Act ( FCRA 611 for inaccurate reporting and FCRA 623 ( a ) ( 1 ) for knowingly furnishing false information ).

Metro 2 data standards, which furnishers are required to follow, prohibit contradictory reporting ( e.g., the same month can not be current and in repossession ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by Capital One Bank USA, adding to the issues in my existing comprehensive complaint ( CFPB ID XXXX, if applicable for Capital One, or your general furnisher complaint ID ). On XX/XX/year> ( today ), my XXXX  credit report via XXXX XXXX revealed the unauthorized re-insertion of my previously deleted CAPITAL ONE BANK USA account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Timeline of Egregious Behavior : Prior Status : This account was deleted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/year> : My XXXX  report confirmed this account was NOT PRESENT, indicating it was deleted [ XXXX XXXX XXXX ]. 

XX/XX/year> ( Today ) : The account has been re-inserted onto my XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not authorize, sign, or communicate with anyone regarding the re-insertion of this account. As the furnisher, Capital One Bank USA has a duty under FCRA 1681s-2 to furnish accurate information and to correct errors promptly. The re-insertion of a deleted account is a direct and willful violation of FCRA requirements, demonstrating a severe and reckless disregard for accuracy and my consumer rights, causing immediate, measurable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The reason why I am disputing these accounts is because the information reporting is a violation of Fair Credit Reporting Act.According to my records, My health insurance coverage was active at the time the XXXX XXXX were rendered.Therefore the responsibility for payment should have been billed to my insurance company first.I am requesting that these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are removed and properly corrected immediately. 
I dispute the validity of this debt as my insurance provider was not billed, and no verified balance is owed by me. Continuing collection or credit reporting without proper validation is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide proof of billing to insurance and validation of this debt as required by law. 

Im aware there have been lawsuits filed against debt collectors for practices that could be analogous to charging patients for collections such as myself, when insurance was not billed. Research has shown me similar to my situation, the CFPB has taken action against debt collectors for collecting amounts not owed, including charges already paid or covered by insurance. The CFPB emphasized that such practices violate the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F.These are clear violations of Reporting incorrect or already paid debts violates FCRA Fair Credit Reporting Act, Continuing collection activity after disputes violates FDCPA. 
In conclusion, I request that all inaccurate and unverifiable collection accounts related to this medical debt be immediately removed from my credit report. These accounts have been wrongfully reported, causing significant and unjust damage to my credit score. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute debts that are not properly validated or verified. Please provide documentation proving the validity of this debt, including evidence of insurance billing. If such documentation can not be provided, I demand the complete deletion of these collections from my credit report and a written confirmation that this has been done. Failure to comply will leave me no option but to pursue all legal remedies available to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
1. Who is this complaint about? 
Ally Financial Inc . 

XXXX XXXX XXXX XXXX XXXX ) 2. What is your complaint about? 
Refusal to arbitrate per contract ; wrongful vehicle repossession ; denial of dispute resolution rights. 

3. What happened? 
I entered into a SmartLease agreement with Ally Financial that contains a binding arbitration clause referencing administration under XXXX rules. I submitted an arbitration demand to the XXXX XXXX XXXX XXXX XXXX ) and paid the filing fee under Case # XXXX. Despite compliance with all Consumer Arbitration Rules, XXXX refused to administer the case, citing Allys failure to consent. 

This violates XXXX  own rules, which allow unilateral election of arbitration, and contradicts established contract law. Ally Financial is deliberately refusing arbitration, despite a valid and enforceable agreement. XXXX wrongfully closed the case without referring it to an arbitrator, in violation of the doctrine of XXXX XXXX which states that only the arbitrator may determine jurisdiction or enforceability. 

In addition, Ally Financial proceeded to illegally repossess my vehicle, despite an active dispute and pending arbitration demand. The repossession was done without court order or lawful exhaustion of remedies, in violation of FDCPA protections, consumer rights, and the arbitration agreement in place. 

4. Desired Resolution : Immediate referral of arbitration case # XXXX to an arbitrator Investigation into Allys refusal to arbitrate and wrongful repossession Financial restitution for damages and fees Enforcement action against XXXX for denial of fair dispute resolution Correction and removal of all adverse credit reporting related to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/year> I sent XXXX $ to XXXX XXXX for XXXX and XX/XX/year> I sent XXXXXXXX XXXX to XXXX for XXXX and I never received any of the animals and chime my bank refused to help me or even investigate the matter due to it being a friend to friend payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation