vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited two certified cashiers checks on XX/XX/year> in the total amount of {$40000.00}. my account has been opened with Regions bank since XXXX XXXX, they gave me a verified notice of hold date, XXXX being held until XX/XX/year> and the remainder being released immediately. None of the funds have been released. Not even partial, they used the excuse of my account being no more than 30 days old which is a lie because my account is more than 35 days old.

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 2025-10-06 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:
Please Remove the unauthorized credit inquiries listed below from my credit report immediately. I am a victim of identity theft, and these inquiries were made without my knowledge or consent. I did not authorize any of the companies listed to access my credit file, and their actions have caused significant harm to my credit profile and personal well-being. 
This is a formal complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. I have already filed a report with the Federal Trade Commission ( FTC ) documenting this identity theft, which I am including with this submission. Under the law, the credit bureaus are required to block any information resulting from identity theft within four ( 4 ) business days of receiving the identity theft report. 
The following inquiries are fraudulent and must be removed : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These inquiries violate 15 U.S.C . 1681b ( a ) as they were not made for a permissible purpose, and I never granted access to my non-public personal information. I request that the CFPB take immediate action to hold the credit bureaus and the inquiring entities accountable and to ensure this information is permanently removed from my consumer file.

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 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Ongoing Denials Due to Incorrect Prior Account Information Dear Capital One Support Team, Im writing regarding the continued issues Ive been experiencing when attempting to prequalify for a Capital One credit card. Each time I try, Im automatically denied due to prior activity on a Capital One account.

I want to clarify that I have never opened or held any Capital One credit card account. I have also reported multiple times that I was a victim of identity theft, and it appears that fraudulent activity from that incident may still be incorrectly linked to my name or credit profile. 

Its extremely frustrating to continue being denied based on inaccurate information that does not reflect my actual credit history. I respectfully request that this matter be fully investigated and corrected in your system so that I can be fairly considered for prequalification without being penalized for an account that was not mine.

Please confirm receipt of this message and advise what additional information or documentation you may need from me to help resolve this issue once and for all. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Iam writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Crosspoint Financial Inc.
State: TX

Complaint narrative:
Formal Complaint to CFPB Lease Fraud and Financial Coercion Submitted by : XXXX XXXX To Whom It May Concern, This letter serves as a formal complaint to the Consumer Financial Protection Bureau regarding my experience with CrossPoint XXXX XXXX, the property manager of my former apartment residence. The company has engaged in financially coercive and deceptive practices in connection with my lease, which I believe warrant federal review. Key issues include : 1. CrossPoint misrepresented the end date of my lease, falsely claiming it ended in XX/XX/XXXX, despite documentation confirming a two-year agreement that extends through XXXX. 

2. I was threatened with eviction and told I was legally obligated to continue payments under false contract terms. My requests for lease transfer were denied without legal basis.

3. Despite documented evidence of an uninhabitable environment, including verified surveillance footage showing visual anomalies, system glitches, and health/safety risks, CrossPoint refused to acknowledge the condition of the property or negotiate a release from the lease.

4. I was forced to spend over {$1000.00} to relocate my belongings under financial duress, while CrossPoint pursued legal action based on an inaccurate lease record. I have compiled extensive evidence, including a legal exhibit packet and supporting video/audio documentation. My total damages exceed {$16000.00} in rent, relocation, legal preparation, and emotional distress. I respectfully request the CFPB to investigate these practices and hold CrossPoint XXXX accountable for lease fraud, financial coercion, and retaliatory action under deceptive contractual misrepresentation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AZ

Complaint narrative:
After withdrawal, the school mistakenly failed to cancel my Tuition Options payment plan, which resulted in an erroneous loan balance being reported to MOHELA. 

I contacted the school, and on XX/XX/year>, the schools Business Office Coordinator, XXXX XXXX, confirmed in writing that the Tuition Options plan had not been canceled at the time of my withdrawal and that the error was on their part. They stated that the issue was corrected and Tuition Options records would reflect the cancellation. 

Despite this, MOHELA is reporting that I owe {$4800.00}, which appears to stem directly from that same administrative error.

Company response to consumer: In progress
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt referenced above, which is currently being reported on my credit report by your agency. This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681-2 of the Fair Credit Reporting Act ( FCRA ), which outlines my rights regarding disputed debts.

Please provide me with the following information : 1. Verification of the amount of the debt.

2. The full name and address of the original creditor.

3. Evidence that your agency is authorized to collect on this debt.

4. A detailed payment history, including any interest and fees since the date of charge off.

5. Documentation showing that I am legally obligated to pay this debt.

As per 15 U.S.C. 1681-2, I am entitled to request this information to ensure the accuracy of my credit report. Until I receive the requested validation, please cease any collection activities and halt reporting this account to credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX # XXXX -Date opened XX/XX/XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$1400.00} XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$2900.00} XXXXXXXX XXXX XXXXXXXX # XXXX -Date opened XX/XX/XXXX -Balance {$310.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/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 2025-10-06 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were fraudulent . Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CO

Complaint narrative:
This complaint is regarding Experian 's failure to comply with my lawful request for the method of verification and supporting documentation for a charged-off account, as is my right under the Fair Credit Reporting Act 611 ( a ) ( 7 ). On XX/XX/25, I filed a complaint ( XXXX XXXX XXXX XXXXXXXX requesting this information. Experian 's response was non-responsive, providing only a generic description of their dispute process and failing to provide the requested procedure or documents. This is a separate violation of the FCRA. I am requesting that the CFPB require Experian to comply with the law and provide the method of verification and documents, or delete the unverifiable account.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: FL

Complaint narrative:
I am writing to request validation of the debt referenced above, which is currently being reported on my credit report by your agency. This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681-2 of the Fair Credit Reporting Act ( FCRA ), which outlines my rights regarding disputed debts.

Please provide me with the following information : XXXX. Verification of the amount of the debt. 
XXXX. The full name and address of the original creditor. 
XXXX. Evidence that your agency is authorized to collect on this debt. 
XXXX. A detailed payment history, including any interest and fees since the date of charge off. 
XXXX. Documentation showing that I am legally obligated to pay this debt. 

As per 15 U.S.C. 1681-2, I am entitled to request this information to ensure the accuracy of my credit report. Until I receive the requested validation, please cease any collection activities and halt reporting this account to credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises awareness about my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FISERV FINXACT CORE
State: NE

Complaint narrative:
Today I tried to write a personal check at XXXX and I was told once again that my check was denied But was unable to provide a specific reason an adverse action was taken. I'm was told that I need to contact Telecheck. ( Again )!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: CA

Complaint narrative:
Description of Problem : I am attempting to transfer funds from my XXXX savings account to an external account and then close my account. The funds are purportedly held in Albert Savings accounts are held for your benefit at FDIC-insured banks, including XXXX XXXX XXXX XXXX, but the none of the accounts list an account number in which funds are held. The process has been unreasonably difficult and has taken months to complete. 

The primary issue is the failure to verify my debit card, a necessary step for transferring funds. I have attempted to link my debit card, but the verification process has not been completed. There is no clear communication or in-app inbox providing details on how the verification works or what the status is. This has prevented me from moving my funds and months of delays in being able to close the account as monthly subscription fees accrue. 

Furthermore, my external bank account has already been verified for ACH transfers by Plaid, yet Albert is imposing additional and seemingly unnecessary verification hurdles, possibly to allow for more subscription fees to be billed. The difficulty in transferring my own funds, combined with the lack of transparency about the process, feels like a deceptive practice designed to trap funds within the account and obtain more monthly subscription fees.

I have attempted to contact Albert directly to resolve this, but my efforts have not been successful. I need to transfer my funds out of the account and close it, and the current process is preventing me from doing so.

Desired Resolution : I want Albert.com to immediately provide a clear and functional process for me to transfer my funds to my already-linked ACH account and close my savings account. I request a contact person or direct support to facilitate this process immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I filed two claim one for XXXX the other one is for XXXX XXXX XXXX  chime denied me twice I appealed the claims, I also have records showing I was incarcerated the times my card had unauthorized transactions.i took every step I could with chime, there XXXX  department denied my claim two times even after I sent proof of me XXXX  so if there anybody who could help me with this matter please contact me its been 2 years since I filed these claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NJ

Complaint narrative:
Good day, I hope that everything is going well. I am writing to you about the accounts that are listed below. Having something on my credit record has a significant impact on me. It is because of someone stealing my identity that these accounts are included on my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NJ

Complaint narrative:
Good day, I hope that everything is going well. I am writing to you about the accounts that are listed below. Having something on my credit record has a significant impact on me. It is because of someone stealing my identity that these accounts are included on my credit report. 

Thank you for your prompt attention to this matter.

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 2025-10-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the reporting of the account XXXX XXXX XXXX XXXXXXXX currently appearing on my TransUnion, Equifax and Experian credit report. The account is listed with a balance of {$640000.00}, opened on XX/XX/year>. Upon careful review, I identified multiple reported late payments that do not align with my verified payment history and fail to accurately reflect the accounts true activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I am formally disputing the reporting of the account XXXX XXXX XXXX XXXXXXXX currently appearing on my TransUnion, Equifax and Experian credit report. The account is listed with a balance of {$640000.00}, opened on XX/XX/year>. Upon careful review, I identified multiple reported late payments that do not align with my verified payment history and fail to accurately reflect the accounts true activity.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra

Complaint narrative:
What happened : Last XX/XX/year>, I initiated withdrawal of [ x amount ] XXXX from Interest-earning via Abra app. Error message/Notice of " withdrawal temporarily unavailable '' appeared. I tried for XXXX  days now but still have the same status. I messaged XXXX last XXXX and received a response the next day saying that its services are currently paused, effective immediately and so all deposits, withdrawals and transactions are temporarily suspended. Timely updates were promised to be provided and will be notified once services resume. Platform continues operating while my funds remain inaccessible.

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