vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$4100.00} into my Capital One account using mobile deposit. 
The check appeared to process normally. 

By XX/XX/year>, the funds were shown as fully available in my account. 
At XXXX AM XXXX on XX/XX/XXXX, I called Capital One customer service ( this call was recorded by Capital One ) to confirm whether the check had fully cleared or if it could still be reversed. 
I explained to the representative that I needed absolute confirmation because I was being asked to forward a portion of the funds to a XXXX XXXX 

During that phone call, the Capital One representative specifically assured me that the check had fully cleared and could not be reversed under any circumstance. 
Based on the explicit statement of the banks employee, I proceeded with the transaction that same day. 

On XX/XX/year>, Capital One reversed the check anyway, stating it was unpayable. 
This action directly contradicted the assurances I had received the day before. 

The reversal caused my account to go {$2200.00}, placing my family in financial hardship during the holidays. 
When I contacted Capital One again, I was told there is nothing they can do and that the best they can offer is an escalated review that may take XXXX weeks with no interim credits. 

This overdraft only occurred because the bank gave me incorrect and misleading information, which I relied on in good faith when conducting my business. 
Had the bank representative not assured me that the funds were irreversible, I would never have forwarded any portion of the deposit. 
The financial harm is a direct result of the misinformation Capital One provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
Category : Installment Loan Home Improvement Financing Company : XXXX, XXXX XXXX : XXXX Misrepresented Transaction, Ignored FTC XXXX  XXXX  Claim, and Refused to Address Lender Liability What Happened ( Paste This ) : I previously filed a CFPB complaint regarding my home improvement loan with GoodLeap for a roof installed by XXXX  XXXX XXXX. GoodLeap responded with incorrect information, claiming my loan was for a solar system purchase. This is false. My loan was for a roof replacement completed by XXXX  XXXX XXXX, who is now out of business. 

After XXXX incorrect response, I submitted additional documentation including evidence of the contractors breach of contract, insurance denial, and my rights under the FTC XXXX  XXXX  ( XXXX C.F.R. XXXX ). GoodLeap ignored this material information and did not respond to the XXXX XXXX claim at all. 

This complaint is not a duplicate. The issue now is : GoodLeap misrepresented the product financed, calling it a solar system when it was a roof installation. 

GoodLeap is refusing to acknowledge or respond to its obligations under the FTC XXXX XXXX even though the contract contains the XXXX XXXX Notice. 

GoodLeap is denying liability for a seller violation, even though the law requires them to accept all claims and defenses I could raise against XXXX XXXX XXXX. 

I am requesting loan cancellation ( rescission ) because XXXX  XXXX XXXX breached the contract, provided defective work, and is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC
State: AR

Complaint narrative:
Company : XXXX XXXX XXXX. 
Issue : Misrepresentation of contract terms/ Unauthorized billing / Debt collection Consumer : XXXX XXXX Complaint : I am filing a complaint against XXXX XXXX XXXX regarding deceptive sales practices, undisclosed contract terms, and improper billing that has resulted in an alleged debt being sent to collections without my informed consent. 

A XXXX door-to-door sales representative sold me a home security system but never disclosed that I was entering into a multi-year monitoring contract lasting XXXX  years or more. I was told that by purchasing the equipment outright, I would not be under any long-term service agreement. At no time did the salesman verbally state or provide any written disclosure that there would be an ongoing contractual obligation or automatic billing. 

We no longer use XXXX service, and the equipment is fully paid for. XXXX has continued to bill me for a service contract I was never made aware of and never agreed to. These charges have now resulted in an alleged balance of {$1800.00}, which was sent to a third-party debt collector ( FirstSource Advantage ). I dispute the validity of this debt entirely. 

I requested documentation from XXXX proving I agreed to these terms, including a copy of the original disclosed contract with my signature. As of today, I have not received clear disclosure of a contract term or verifiable proof that I knowingly entered a multi-year agreement. This appears to be a failure of proper contract disclosure and a deceptive sales tactic. 

XXXX has a known history of complaints regarding undisclosed long-term contracts, and I believe this is another instance of misrepresentation. 

I am requesting : XXXX. Removal or cancellation of all disputed charges. 
XXXX. Closure of the account with a XXXX balance. 
XXXX. Removal of this alleged debt from all collection activity and credit reporting. 
XXXX. A full written explanation and copy of the originally disclosed contract terms I supposedly agreed to. 

I am asking the CFPB to assist in resolving this issue because XXXX and their debt collector are attempting to collect on a contract that was never properly disclosed, never agreed to, and never used. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted a formal dispute on XXXX, identifying multiple inaccuracies in the account data furnished to the nationwide consumer reporting agencies. The inaccuracies included discrepancies in the date opened, high credit, date last reported, date last activity, and date of last payment. 

American Express responded with a mere restatement of previously furnished data and failed to provide any documentation verifying the accuracy of the disputed fields. Under 15U.S.C. 1681s2 ( b ), furnishers are required to conduct a reasonable investigation, review all relevant information provided, and correct or delete any information that is inaccurate or unverifiable. 

To date, American Express continues to report materially inaccurate and unverified information which is adversely affecting my credit profile. I am respectfully requesting that American Express either : Provide full documentary evidence substantiating the accuracy of the reported information ; or Immediately delete the tradeline from all consumer reports if such documentation can not be produced. 

Their ongoing noncompliance constitutes violations of 15U.S.C. 1681s2 ( b ) ( 1 ) ( A ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed my account had XXXX charges for a hotel ( XXXX XXXX XXXX XXXX ) I only paid XXXX time at. So, between the XXXX and XXXX of XXXX, I called Citibank and they blocked my account so they could check. Once I realized what happened, I let em know no need to dispute sometime after XX/XX/XXXX, but they end up closing my account oficially on XX/XX/XXXX and den me access to my funds. I was told I'd recieve a check with the remaining balances in the mail. First, I recieved a check for {$8.00} between the XXXX and XXXX of XXXX. About a week later On XX/XX/XXXX, I recieved a check thru XXXX with only {$0.00}. I called that day and was told I'll recieve another check, a XXXX which don't sound right. So I called again, XX/XX/XXXX and was told that my account was closed due to fraud so any funds available after the dispute started will stay with the bank and I can't have it. The money was direct deposited into my account by XXXX XXXX XXXX. On XX/XX/XXXX, XXXX deposited a check for {$790.00} into my checkings account. I have confirmed with the supervisor that it was sent. Now I'm asking for help in getting my funds back. Because of the account block I lost my job because I was unable to pay for my car brakes to be fixed so I could XXXX XXXX or pay for rides. I let my job know XXXX days beforehand but they still fired me. I can't pay for my weekly stay at XXXX XXXX XXXX so I'm forced to be homeless.

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 2025-11-25 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
A loan was taken out on my motorcycle. I paid on the loan monthly. They changed the loan as when I paid on the loan after XXXX days I had to pay a months interest even when a month has not come to pass. I could not make a partial payment without having to pay a months interest. I paid thousands in interest, more that what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I requested my credit report be reviewed for inaccurate information because my scores are low while all of my bills are paid before or on time. I do not understand why I have low credit scores when my creditors are paid as agreed. I tried to get this resolved before and was asked for information I had provided previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
XXXX incorrectly reported my student loan as delinquent even though I was enrolled in AutoPay and received multiple messages confirming my enrollment. In XX/XX/XXXX, an AutoPay payment failed and I paid it manually. After that, XXXX stopped my AutoPay without informing me, while continuing to send emails stating that I was still enrolled. 

In XX/XX/XXXX, my credit score dropped due to a delinquency I had no reason to believe existed. When I contacted XXXX, I was told that AutoPay had been paused due to natural disaster policiessomething never communicated to me and inconsistent with the automated notifications I was receiving. 

This constitutes : Inaccurate credit reporting under the FCRA ; Failure to provide required notice of changes affecting payment processing ; Misleading or contradictory communication to the borrower. 

I am requesting : Removal of the inaccurately reported delinquency from all credit bureaus ; A full investigation into XXXX AutoPay error ; Assurance that no further inaccurate reporting occurs. 

I can provide supporting documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
im a victim of a data breach which left me open for id theft

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Product : Bank account or service Issue : Problem with a debit card / dispute resolution / transaction not refunded What happened : I am filing this complaint because E * TRADE ( Morgan Stanley ) mishandled an ATM dispute and improperly closed my account. I attempted to open a dispute for an ATM transaction where cash was never dispensed, but the full amount was withdrawn from my account and never returned. 

I contacted E * TRADE multiple times to file an official dispute. They first told me they opened a claim and gave me a claim number. Later, when I followed up, representatives told me they could not locate the claim number in their system, and some agents even claimed no dispute was ever filed. 

E * TRADE then denied my request to open a dispute, even though I have : Account statements showing the funds were in my account before the attempted withdrawal Transaction history showing the ATM failed to dispense cash The full amount was debited and never reversed After insisting on resolving the issue, E * TRADE closed my account without explanation. During multiple calls, they repeatedly placed me on hold for extremely long periodsoften over an houruntil I eventually had to hang up. This made it impossible to resolve the problem or escalate it. 

XXXX representative even falsely stated that I never had the funds in my account, despite my statements clearly proving otherwise. 

E * TRADE has refused to investigate the error as required by Regulation E ( Electronic Fund Transfer Act ). I have repeatedly attempted to resolve this directly with them, but I have not received any fair investigation or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I am writing as a consumer to formally dispute several items on my Equifax credit report that I believe are inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and corrected or removed if they can not be verified. 

Charged Off Accounts XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX  XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$3700.00} XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$18000.00} XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$3500.00} XXXX  XXXX XXXX  Account # XXXX, Opened XX/XX/XXXX, Balance {$80000.00} XXXX dispute the accuracy of the status, balance, or reporting of these accounts. Please provide validation for each, including the date of last payment, current balance, and documentation of my liability. 

Late Payments XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX I dispute these late payments as inaccurately reported. I request verification of the payment history and the basis for these reported delinquencies. 

I request that all unverifiable or inaccurate information be corrected or removed from my credit file. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AR

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Account Name : UNAUTHORIZED COLLECTION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief