vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This submission serves both as a complaint and an official request for debt validation to EASTERN ACCOUNT SYSTEM, facilitated through the CFPB platform. I have attached a letter that outlines the specific documents needed to validate the alleged debt under FDCPA guidelines. These documents include the original signed contract, proof of ownership or assignment of the debt, and a detailed breakdown of how the amount was calculated. 
My intent in submitting this through the CFPB is to ensure that my request is properly delivered, documented, and that EASTERN ACCOUNT SYSTEM is required to provide a timely and lawful response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank has permanently restricted access for me to use any of their services due to a fraud report on my checking account that lead to them to make a business decision to close all my accounts and restrict me from ever having accounts with TD bank in the future. I was told by several people over the phone, and in-person at the branch, that they have the institutional right to do this and I believe its not necessary in my case, and I feel punished for a mistake that couldve easily been fixed or corrected with proper communication of what was happening. Before the account was closed, I tried calling TD bank ( customer service on the back of the card ) several times. I was put through to one person and asked him to put my checking account in collections before the account gets closed. The answers I received were No and that I Wasnt able to do that. A few days later I tried depositing money to the account and it did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rausch Sturm LLP
State: MN

Complaint narrative:
The last complaint I filed against Rausch Sturm LLP was closed because they replied falsely. I have a confirmation number for my payment to them and I contacted my bank. Rausch Sturm LLP replied they didnt get the payment due to " insufficient funds '' After contacting my bank I have a statement ready that says I had more than enough in my account to cover the {$410.00} for over a week following the payment made on XX/XX/year>. I have already contacted the attorney general of Minnesota and the courts in XXXX XXXX. The informed me that there is no actual case against me filed in the court system so the papers they've sent me are a fear tactic they've tried. I have sent my response already.

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 2025-10-01 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Fraudulent information and account being reported on my disclosure, previously verified my information and was disregarded. Account was re inserted without notice within 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I send money to my mother for the purchase on an item, a T shirt that has graphics on it that reads XXXX XXXX, through cash app. Cash app flagged the purchase because the description has the word XXXX in the name. They contacted me on the XXXX if XXXX asking to explain the nature of the purchase or they would suspend my account after 5 days! They suspended my account 2 days later and even thought I have them the nature of the purchase they have not released my account and its been over 12 days Ive missed bills and Ive had no access to my funds. They reached back out on the XXXX of XXXX asking for the meaning of XXXX as though I hadnt already explained that was the graphic on the item and have yet to release my account. This is the account I receive any business payment for my lively hood and has been damaging to my lifestyle. After 76 days they requested I assert that I had violated their policy and I would have to state that I wouldnt do so again if I wished to continue using their platform. I requested proof of the violation or adherence to my demand for compensation and they canceled my account with no explanation or proof of the violation that would justify withholding my funds and damaging me as their client. They did not submit any information including to the cfpb that would justify their theft and holding off my personal property in my time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
Around the beginning of XXXX I called to talk about my experience escrow statement. I spent approximately an hour on the phone with a supervisor named XXXX XXXX ID XXXX. 
She said she would check with the escrow team and call me back. She never called back. 

The issue is regarding proper crediting to my escrow balance for payments made with some irregularities versus my records. 

I called back today - and was on hold for XXXX minutes and unable to get to a supervisor. They stated they can not transfer me to XXXX, contrary to what she told me. In addition, the agent stated that XXXX left a voicemail. That never happened. 

Then the agent proceeded to tell me that my extra amount paid went to principal. It did not go to principal! 

I have heard this company has issues with escrow and that is my experience. I have found them to be understaffed to serve basic questions, not responsive in the slightest, giving wrong information I am displeased that my loan was sold To this company. 

I do expect to have clear accounting and logic from my mortgage servicer. I believe they are uninformed and causing financial damage despite my perfect payment history and record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-01 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a secured credit card with Fifth Third Bank on XX/XX/year>, and deposited {$2500.00} as collateral. I disputed several charges multiple times, but instead of investigating properly, the bank revoked my account, marked my card as lost/stolen ( which I never reported ), and issued a replacement card that I never received. They then seized my {$2500.00} deposit and left me with a balance of about {$1800.00} from charges I did not authorize. I was never provided notice of these charges or dispute results. I have also received repeated collection calls demanding payment. I have been unable to review the account online because it has been blocked. I met with Fifth Third bankers several times in person, and they could not explain why this was happening or fix it. The charges come from XXXX car rental. I returned a rental card in XXXX of this year. Fifth Third was still charging my card until XXXX of this year. After speaking to XXXX several times, they assured me they were not charging my card. I asked Fifth Third to investigate this matter by asking for a contract from Fifth Third with my signature or any proof that I authorized these charges, and they refused to do so. I asked how they determined that I was liable, and they refused to give me any information. 

I opened a secured credit card with Fifth Third Bank and deposited XXXX as collateral. I disputed several charges multiple times, but instead of investigating properly, the bank revoked my account, marked my card as lost/stolen ( which I never reported ), and issued a replacement card that I never received. They then seized my {$2500.00} deposit and left me with a balance of about {$1800.00} from charges I did not authorize. I was never provided notice of these charges or dispute results. I have also received repeated collection calls demanding payment. I met with Fifth Third bankers several times in person, and they could not explain why this was happening or fix it. I believe that Fifth Third has been careless in damaging my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX Comenity Bank XXXX XXXX XXXX Credit Card, Bread Financial ) I am filing a complaint regarding XXXX Banks XXXX XXXX XXXX credit card, operated by Bread Financial ) failure to provide a requested account verification letter in a timely manner. 

On XX/XX/year>, at approximately XXXX XXXX., I made my first request for this letter. For comparison, XXXX XXXX provided their version within 2 minutes, but XXXX has repeatedly promised delivery without following through. At 8 a.m. the following day, I was told the letter would arrive within 5 minutes. Since then, over the past three days, I have called multiple times, and each representative has given me the same assurance that it would arrive within 5 minutes yet nothing has been sent. 

I have spoken with several different employees, including a supervisor named XXXX ( employee ID XXXX ) and most recently XXXX, but the issue remains unresolved. I was also told a physical copy would be mailed, but that could take XXXX business days, which is unacceptable given the urgency of this request. 

XXXX system states that all calls are recorded, so there should be a record of these repeated false assurances. This ongoing delay is directly affecting my ability to move forward with my mortgage process. 

I am requesting that XXXX XXXX immediately provide the requested letter electronically ( by secure email or account upload ), and that the CFPB investigate this matter due to repeated misrepresentations and failure to provide timely service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : XXXX XXXX Square , Inc. Withheld Funds of {$17000.00} ( ACH Transaction ) To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX, which has wrongfully withheld funds from my business account. 
Background On XX/XX/year>, my customer initiated an ACH payment of {$17000.00} to purchase a vehicle from my business. 
XXXX processed the payment but immediately closed my account and placed a XXXX hold on the funds. 
My customer and I have both provided supporting documentation ( bill of sale, transaction receipt, proof of legitimate transaction ). 
The customer has directly requested that XXXX release the funds prior to the XX/XX/year> release date, but XXXX has refused. 
Despite multiple attempts, including filing a Better Business Bureau complaint, the funds remain withheld without valid justification. 
Concerns 1. Lack of Transparency : XXXX has not provided a clear, documented reason for closing my account or holding cleared XXXX funds. 
2. Unfair XXXX Practices : The funds are tied to a legitimate purchase, verified by both parties, yet XXXX is unjustly depriving my business of operating capital. 
XXXX. Harm to Both Merchant and Consumer : My business has been severely impacted, and my customer has also been denied the ability to direct release of their own payment. 
4. Possible Violation of XXXX XXXX : XXXX transactions are governed by XXXX and regulated banking procedures. XXXX cleared funds without cause raises serious regulatory and consumer-protection issues. 
Requested XXXX XXXX release of the {$17000.00} held by XXXX ; OR A detailed written justification with documented evidence as to why XXXX believes it has the legal right to hold these funds. OR The ability for me to refund the customer to her original payment method so she can send funds in a different format. 
As XXXX continues to withhold these funds, I respectfully request that the CFPB investigate Squares practices to determine whether they violate federal consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I informed XXXX, I paid the statement balance in full on XX/XX/year> ( which it was after the due date of the XXXX ) because I was in the hospital. I was aware I would be charged a late fee for this payment in XXXX which I paid on the XXXX. However, because I paid it on the XXXX I keep being charged a late fee because of late fees. I dont think this is ethical because Im not missing my minimum payment for my statement balance which is {$0.00}. They are charging me a late fee for late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if I provide supporting documentation ). If the disputed information can not be verified, it must be deleted from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of this debt. Under FCRA, 15 U.S.C. 1681s-2 ( b ), if the creditor or debt collector can not verify the debt, it must be corrected or removed from my credit report. Despite these legal requirements, Experian, TransUnion, and Equifax have failed to comply. It has been more than 120 days since I initiated this process, and I have received no resolution. I demand that this matter be addressed and corrected 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The Colony at XXXX XXXX in XXXX, Florida, has submitted a wrongful collection claim with Fair Collections & Outsourcing ( XXXX ) against me. Originally, they charged me an additional month of rent ( {$1500.00} ), however this charged was dropped after proving I had submitted my notice to vacate in adequate time. After making an administrative error about my move-out date, they failed to send a notice to impose claim of my security deposit ( {$250.00} ) with-in 30 days of move out according to Florida XXXX XXXX ( XXXX XXXX ( a ). My agreed move out date was XX/XX/year> and the notice was not posted until XX/XX/year>. The charges include a cleaning fee of {$30.00} for not cleaning the oven, which I accept. As well as a {$940.00} charge for carpet replacement. However, the carpet was not damaged and instead simply dirty in a high traffic area. According to Florida XXXX XXXX ( XXXX ) ( a ), landlords may not charge tenets for normal wear and tear to a carpet in high traffic areas. So, even if the notice to impose claim on my security deposit was sent on time, I should not be paying for a carpet replacement on a dirty carpet. With the extra month of rent & late fee ( {$140.00} ) being dropped, I currently owe {$710.00} to XXXX and the XXXX at XXXX XXXX in XXXX is still holding on to my security deposit of {$250.00}.

Company response to consumer: Closed with explanation