vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I am a resident physician in training and qualify for forbearance through the completion of my training. I understand that I have to resubmit every XXXX months. I submitted and was last approved XX/XX/XXXX- XX/XX/XXXX. I went to submit again this summer and have had no luck. First, they told me I did not qualify and had never submitted before and was on a different kind of forbearance. Though this was inaccurate, I submitted their internship form and was denied because I didn't realize my program had to fill it out ( that was not the case prior ). Then I re submitted in XX/XX/XXXX of XXXX and was approved through XXXX of XXXX. I called them because the approval should be through XXXX of XXXX. After hours on the phone and escalation to different personnel, I was told they processed the form incorrectly and would place a ticket to get that corrected but it could take a while so I would be on a processing forbearance in the meantime. I called again today XX/XX/XXXX and again after an hour on hold was told I filled out the form wrong and did not see the prior ticket. I kept asking to speak to someone else and trying to explain what I was told prior but the person refused to escalate my concerns until after I insisted on a processing forbearance. I got to another person who could see the ticket but said that the ticket and agreed that the form was processed incorrectly and I should be approved through XXXX of XXXX. I asked for proof of the ticket or email and she said she couldn't give me that. She said the email should be processed in XXXX  days. Again I asked for a processing forbearance and was told I could not get another one until mine ended on XX/XX/XXXX. She recommended I call them back on XX/XX/XXXX. I am really frustrated for how much time I have wasted and why I am getting a different story at every point of the way. My peers had no problems keeping their loans in forbearance without having to submit additional forms, it was automatic as it used to be for me. It should not be this difficult for XXXX simple form to be read and processed correctly and I still have to apply again for XXXX more year. I have very little confidence in them resolving my problem at this point. In addition to this complaint, I have also made XXXX with XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Central Research Inc
State: AR

Complaint narrative:
I was told Id be contacted before disbursement, no contact was made. I rescind my signature under duress and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and unverified information reported by PNC Bank that appears on my XXXX XXXX XXXX XXXX XXXX XXXX consumer report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

PNC Bank has furnished negative information to XXXX XXXX XXXX related to disputed account activity. I have repeatedly disputed the underlying transactions directly with PNC Bank. However, PNC Bank failed to conduct a reasonable investigation and failed to request or consider any additional information from me before denying or closing my disputes. As a result, the information PNC Bank furnished to XXXX XXXX XXXX is inaccurate, incomplete, and unverifiable. 

Because PNC Bank did not conduct a good-faith investigation, it could not have verified the accuracy of the information it reported. Furnishing information derived from an inadequate or nonexistent investigation violates the FCRAs accuracy and verification requirements. XXXX XXXX XXXX may not continue to report information that can not be independently verified as accurate. 

I am formally requesting that XXXX XXXX XXXX  : Conduct a reinvestigation of all information furnished by PNC Bank related to this matter Require PNC Bank to provide full verification and documentary evidence supporting its reporting Permanently delete any information that can not be verified as accurate and complete Remove any and all PNC Bank-related entries associated with these disputed transactions from my XXXX XXXX XXXXXXXX consumer report If PNC Bank is unable to provide competent evidence demonstrating that its reporting is accurate and the result of a reasonable investigation, the information must be deleted rather than merely updated. 

Please provide written confirmation of the results of your reinvestigation and a copy of my updated consumer report once the disputed information has been removed or corrected. 

This letter serves as a formal dispute and demand for compliance with federal law. Failure to correct or remove inaccurate or unverifiable information may constitute continued reporting in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX Last XXXX of XXXX : XXXX Date of Birth : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have my discover card payment set on auto pay. Discover took the payment as usual. I paid an additional payment of {$450.00} which was the balance of a purchase made prior to a 0 % balance transfer I initiated after the purchase with the {$450.00} balance. Yesterday I sent a payment to cover the balance of the purchase balance. Today I looked at my account and there is still a balance of about half the {$450.00} previou balance. I contacted Discover and requested they apply the whole amount of {$450.00} to the balance. The agent said she could not do that and that is how they apply the money. I told her that the law is that any extra payments must be applied to the higher interest balance. My understanding of the law is that any payments above the minimum payment must be applied to the higher interest debt first..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Affidavit of Formal Complaint Regarding Improper Credit Denial and Violation of Consumer and Banking Law Dear XXXX XXXX Department and/or Compliance Officer ( S ) I am writing to formally dispute and lodge a complaint regarding your recent denial of my credit application dated XXXX XXXX APPLICATION REF # ENDING XXXX. Your decision appears to have been made in violation of applicable consumer protection laws and federal banking statutes.

Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to fair and lawful consideration for credit, as well as a complete and accurate explanation of any adverse action taken. Your notice failed to provide sufficient legal grounds or verification of how the decision was reached, including what data or credit information was relied upon. 
Furthermore, I bring your attention to 12 U.S.C. 411 and 412, which clearly state that Federal Reserve Notes are obligations of the United States and that such notes are issued for the purpose of providing lawful money and credit to the public through member banks. These sections recognize that U.S. currency is backed by the credit and obligation of the United States, not by the private assets of banks. Therefore, banks are authorized to extend credit based on these federal obligations rather than on their own reserves. 

By denying my credit application without lawful justification, you have effectively withheld access to credit derived from XXXX XXXX and obligation, in violation of the principles established under 12 U.S.C. 411412 and federal consumer law protections.

I am hereby requesting the following : A full written explanation of the reasons for my credit denial, including the exact criteria and data used in the decision-making process, as required by 15 U.S.C. 1691 ( d ).

Verification that my credit evaluation was conducted in compliance with both federal banking law and
consumer protection statutes.

Immediate correction of any unlawful or discriminatory practice that contributed to this adverse action.

Reconsideration of my application, ensuring that all lawful credit rights under 12 U.S.C. 411412 are honored.

Please treat this letter as a formal consumer complaint and dispute under the FCRA and ECOA. If I do not receive a satisfactory written response within 15 business days, I will file a report with the Office of the Comptroller of the Currency ( OCC ), and my State Attorney General for further investigation. 

I appreciate your prompt attention to this matter and expect your full compliance with federal 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 explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
In XXXX I noticed XXXX charges from XXXX in another state. I reported this to my target credit card and requested a new card. They sent me a new card but did not remove the charges. XXXX {$19.00} and XX/XX/XXXX {$66.00}. I reported this on XX/XX/XXXX. 

I called again on XX/XX/XXXX. They said they had no record of this on my account. But they did send me a new card. 
Called again XX/XX/XXXX. Was told not to worry all the charges and interest would come off. 
They sent me a fraud questionnaire. I sent it back on XX/XX/XXXX. 

Called again XXXX. Was told it should be resolved by the end of XXXX. Don't worry. 

Called XXXX. Was told they were working on my case and I should have a letter from them in XXXX weeks. The employee was going to file a complaint on my behalf since I have called so many times. 

Called XXXX. Told to wait longer. And I have been sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX  appears to be constructively refusing to refund me. I have clearly communicated with them, as has my bank XXXX, regarding fraud by XXXX XXXX. Despite submitting overwhelming evidence in my capacity as a XXXX XXXX XXXX, Zelle provides no articulatable reason for not providing a refund. In fact, XXXX XXXX  has even attempted to reach out to Zelle and demand a courtesy refund. 

The expectation is that Zelle refund the money from the transactions. Zelle has a XXXX based duty to recover funds that are clearly fraudulent, which XXXX XXXX blatantly committed fraud ( accepting payment without providing services in return ). 

The expectation is that Zelle do its actual job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: UT

Complaint narrative:
This account is being reported in error. The vehicle associated with this account was wrecked and declared a total loss, and the lender was paid through insurance/auction proceeds. Once the collateral was recovered and sold at auction, no remaining balance was lawfully owed, and I did not authorize or incur any post-auction deficiency balance. 

Credit Acceptance is wrongfully reporting a derogatory auto account that is not valid, was settled through collateral recovery, and does not reflect my legal liability.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Inc.
State: GA

Complaint narrative:
I set up an account with Wave XXXX XXXX  ( www.waveapps.com ) for the purpose of sending invoices and receiving payments on the invoices. I sent an invoice on XX/XX/year> for the amount of {$9700.00} and a second invoice on XX/XX/year> for {$12000.00}. When the invoices are paid by the consumer Wave provides a date when the funds will be available. The {$9700.00} was to be paid on XX/XX/year>. The {$12000.00} invoice was to be paid on XX/XX/year>. On XX/XX/year> I received an email from wave advising me that my funds which were supposed to be deposited into my account the next day would be held for 65 days. I responded to the email requesting an explanation as to why mt account was closed and why hold my funds for 65 days when the funds have cleared the accounts of my Clients. I have requested on several occasions that I get a phone call from a Manager. I have been advised that they only communicate via email. I received an email on XX/XX/XXXX requesting my Contracts with my Clients, proof that my company was a Georgia Corporation, Bank Statements, my identification, emails from my clients authorizing the charges, and a letter from the bank verifying that I have an active account with the bank. I sent all of the requested information and their response was " We have carefully reviewed the documentation, and we are not able to process the payments for you. 
The documents were not up to our approval standards ''. 

I responded " With all due respect, I sent everything you asked for. What is not up to approval standards? You have my identification, bank statements, Georgia Secretary of State documents and the emails requested. How can that be not up to approval standards? Not only that, the funds have cleared both accounts. I am going to once again request communication from a Manager. There has to be a way to appeal this. If I don't hear from a Manager in the next day I will have no choice but to file a complaint with the FTC and the CFPB. '' I have spoken with my clients and as I stated earlier the {$9700.00} and the {$12000.00} have been deducted from the accounts. When the payments are entered Wave holds them for 7 days before releasing them to make sure the funds clear. That period has passed and I see no reason to hold funds for 65 days. 

I want the {$21000.00} due to me to be released. The requested information was all government issued ( except the emails from the customers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Hello my name is XXXX i only have two credit cards. I looked on my credit report and noticed a small debt from Affirm this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint regarding repeated denials of credit products despite my verified income and responsible banking history. 

I deposit my full income into my M & T Bank account every month and maintain a consistent banking relationship. Despite this, every application I submit for a credit card, loan, or financial assistance is denied. M & T Bank continues to reference a bankruptcy that was withdrawn/dismissed years ago, which should no longer impact my eligibility. 

I have requested written explanations and submitted all necessary documentation, but have not received clear or adequate responses. These repeated denials make it extremely difficult to access credit or financial support, despite my responsible banking behavior.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account Jefferson Capital Systems # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Creditor LOBEL FIN Reporting balances discrepancies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am formally disputing the inaccurate and inconsistent reporting of a repossession account appearing on my credit file. This account is being reported with conflicting dates, balances, and statuses across multiple credit bureaus, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Specific Inaccuracies Include ( but are not limited to ) : Inconsistent Date of First Delinquency ( DOFD ) reported across bureaus Conflicting repossession dates that do not match actual events Different balances reported for the same account Reporting a charge-off and repossession simultaneously, which is inaccurate and misleading Continued reporting without proper verification or documentation Because these data points directly affect the aging and legal reporting period of the account, they are material inaccuracies, not minor clerical errors. 

FCRA Violations Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy. Under 15 U.S.C. 1681i, you must conduct a reasonable reinvestigation of disputed information. Merely confirming the account through automated systems is not sufficient, especially when dates and balances conflict.

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishers from reporting information they knowor should knowis inaccurate.

I am demanding the following : 1. Immediate deletion of this repossession account if it can not be fully verified with documentary evidence, including : Original contract Payment history Exact date of repossession Date of first delinquency XXXX. Written confirmation of the method of verification used XXXX. An updated copy of my credit report reflecting the correction or deletion If you are unable to verify every data point with consistency across all bureaus, this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
The company entered my mailing address incorrectly. After I corrected the information as requested, I was required to submit repeated and unnecessary verification for an error caused by the company. The issue was not resolved despite my cooperation, and I ultimately closed the account due to poor customer service and improper handling of the situation. I am submitting this complaint to formally document the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: DE

Complaint narrative:
Company Name : Westlake Financial Services Product : Auto Loan / Vehicle Repossession / Credit Reporting State Where Incident Occurred : Delaware Date of Incident : XX/XX/XXXX Complaint Details I am filing this complaint against Westlake Financial Services for unlawful vehicle repossession, threats and intimidation, wrongful taking of personal property, and ongoing inaccurate credit reporting in violation of federal consumer protection laws and CFPB regulations. 
In XX/XX/XXXX, Westlake Financial authorized the repossession of my vehicle in the State of Delaware under extreme and unlawful circumstances. At the time of the repossession, I was physically inside the vehicle. The repossession agent threatened to call the police if I did not exit the vehicle and intentionally blocked me from driving away by lifting my vehicle with a tow truck while I was still inside it. I was forced to exit the vehicle under duress and fear for my safety. 
Repossession while a consumer is inside the vehicle, combined with threats of police involvement and physical restraint of the vehicle, constitutes a clear breach of the peace under Uniform Commercial Code principles and Delaware law. Repossession obtained through force, intimidation, or threats is unlawful regardless of loan status. 
During this unlawful repossession, Westlake Financial and its agents took possession of my personal property that was inside the vehicle. I was not given an opportunity to retrieve my belongings, was not provided an inventory, and never received any post-repossession notice regarding my personal property, redemption rights, or the disposition of the vehicle. Despite my physical presence during the repossession, Westlake Financial later falsely labeled the account as a no contact repossession, which is inaccurate and misleading.

Following this incident, Westlake Financial charged off the account in or about XXXX XXXX. However, Westlake continues to furnish monthly charge-off delinquencies through XXXX and XXXX to consumer reporting agencies. Reporting new delinquencies after charge-off is materially misleading and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and CFPB Regulation V ( 12 C.F.R. Part 1022 ).

Westlake Financial has a documented history of CFPB enforcement actions for unlawful and deceptive practices. The conduct described above reflects a continuation of that behavior and constitutes Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation