vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XX/XX/XXXX Inquiry0 : XX/XX/XXXXXX/XX/year>

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 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XX/XX/XXXX Inquiry0 : XX/XX/XXXXXX/XX/year>

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: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The lender repossessed my vehicle despite unresolved disputes regarding its legal authority and security interest. Prior to the repossession, I repeatedly requested documentary proof that the lender was legally entitled to repossess the vehicle, including proof of a valid security interest and assignment. No such proof was provided. 

Despite this unresolved dispute, the vehicle was taken from private property. At the time of repossession, another vehicle was parked directly in front of mine, and it is unclear how the tow operator accessed and removed the vehicle without entering or maneuvering through private property. 

More than 24 hours passed after the repossession without any notice identifying where the vehicle was being held, who had possession of it, or explaining post-repossession rights. 

After I disputed the repossession and the lenders authority, the lender stated it would place a hold on the sale of the vehicle, yet refused to release the vehicle or provide proof of entitlement. Enforcement continued while resolution was delayed, and negative credit reporting was furnished during this period. 

The repossession and continued enforcement occurred without the lender first substantiating its right to take the vehicle, resulting in loss of use, financial harm, and ongoing uncertainty regarding my property.

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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My checking account with Capital One has been restricted since XX/XX/year>. I have contacted the company multiple times since then and have been informed that my account is under investigation. However, I have not been provided with a clear explanation, a written decision, or a specific timeline for resolution. 

Due to this restriction, I have been unable to access my legitimate personal funds that were already in the account prior to the restriction. This prolonged lack of access has caused financial hardship and has affected my ability to manage normal living expenses. 

I have repeatedly requested information regarding the status of the review and next steps, but I continue to receive the same response without meaningful updates or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my credit report from 2023. I did not authorize these inquiries, nor did I apply for credit with the companies listed. These inquiries are fraudulent and should not be associated with my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of all unauthorized inquiries from my credit report. Please provide written confirmation once these inquiries have been deleted. 

I am prepared to provide any documentation needed, including identification or an identity theft affidavit, to support this dispute. 

Thank you for your prompt attention

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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX, XXXX  I was paying bills at Truist online banking and checked my Truist Visa XXXX  balance to see what was owed and saw a large XXXX  PENDING charge that I didn't recognize. I then saw 2 others from XXXX. All 3 around almost XXXX each! I immediately called Truist to report them at XXXX XXXX XXXX and request the card be cancelled. A new card was expedited and I was told the charges would be reversed. I actually thought the XXXX one was denied by Truist but it also went through. On XX/XX/XXXX I opened the mail from Truist to find a letter saying the charges would not be reversed as the charges were made with a Chip in the same geographical location. I was working in another part of the state on XX/XX/XXXX and worked from home XX/XX/XXXX and XXXX never leaving the house ( it was supposed to be icy that day ). After speaking to a Truist manager I was told I would need to file a police report - which I have done in one of the towns and waiting for the other two to return my calls. I was told they could view video footage of the times of the charges and Truist gave me that info. I was able to see the receipt lookup walmart.com with the information and saw that the thieves bought 2 gift cards at each store and loaded them with XXXX XXXX  along with one item purchased. I have called all 3 stores to speak to managers but it's XXXX and I've not had my calls returned. 
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Summary : Dividend Financial is refusing to honor warranty

obligations they are legally responsible for under the FTC Holder Rule in connection with my financed solar system and battery. Details : I entered into a finance agreement with Dividend
Financial on XX/XX/XXXX, for the purchase and installation of a solar system and battery through XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX abruptly closed and filed for bankruptcy, leaving the system without its promised 25-year workmanship warranty.

Under the FTC Holder Rule ( 16 C.F.R. 433 ), Dividend Financialas the holder of the credit contractis responsible for all claims and defenses I could assert against the seller, including fulfillment of all workmanship warranties and promises made during the sale.

My solar system currently has a malfunctioning inverter and an incorrect panel mapping layout created by the installer. The manufacturer provided a replacement inverter, but licensed labor is required to complete the repair. Correcting the inaccurate panel mapping also requires additional labor and diagnostic work.

Dividend Financial has stated that they are not responsible for warranty-related labor costs, which directly contradicts their legal obligations under the Holder
Rule. They have failed to provide any written process for submitting warranty repair claims, despite multiple written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
We found out my husbands checks are going to be garnished by Levy Law because of an old account with XXXX XXXX. We had a voluntary repossession due to the car being junk. We then were told we owed {$9000.00} & something that was remaining after the vehicle was sold. We were mailed a payoff offer in XXXXXXXX XXXX XXXX  that stated if we paid {$1900.00} within 90 days, our account would be closed and we wouldnt owe anymore. The entire payment was mailed to XXXX XXXX in XX/XX/year>. We have a copy of the check that was mailed to them. At the time, we were in the process of getting a home co-ownership agreement with XXXX XXXX so we could get a loan against the equity in our home. Part of the agreement with XXXX XXXX was they had to pay off all of our debt & make a few repairs to our home before we received the remaining funds. So, we have a copy of the check that was mailed to credit acceptance in XXXXXXXX XXXX XXXX. We never heard anything again from credit acceptance or anyone else after that so we assumed everything was good. Well my husband was recently notified by his place of employment that Levy Law is garnishing his wages. Weve contacted levy law & sent them all of our paperwork showing this was paid and paid on time. But weve been getting the run around from levy law for over a month now and have not gotten a resolution to this issue and we can not afford to pay for a loan that was supposed to be closed! Levy Law is saying we owe a little over {$7000.00}, which even shows that credit acceptance received our payoff amount! We need help because levy law is refusing to assist us!

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 making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I made a mobile deposit on XX/XX/2024. I have reached out to customer service online and via phone as well stopping at the branch they said that they needed to confirm that the funds were cleared and available as of XX/XX/2024, as it was an insurance check. The funds did clear and I also confirmed with my insurance that it was cleared the following day on XX/XX/2024 and released to Huntington bank. The funds are now just been sitting in my account for almost a year on hold when both the branch manager and XXXX confirmed the funds have been cleared. I havent been able to get access and I at this point do not know what else to do. As I just keep getting the runaround from the branch themselves with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: NH

Complaint narrative:
Jefferson Capital Systems has repeatedly contacted me via text message offering XXXX XXXX off an alleged debt. Despite these ongoing collection attempts, Jefferson Capital has failed to provide basic required documentation establishing the validity of the debt. 

I timely requested debt validation, including proof of ownership, an itemized accounting of the amount claimed, and documentation showing how the balance was calculated. Jefferson Capital provided none of this information.

Despite failing to validate the debt, Jefferson Capital continues to report the account to the credit bureaus and continues collection activity through repeated text messages. 

Reporting an unverified debt while ignoring a validation request constitutes continued collection activity and the furnishing of inaccurate or unsubstantiated information to consumer reporting agencies. Jefferson Capitals conduct violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Violations include but are not limited to : FDCPA 1692g ( b ) Continued collection activity without providing validation FDCPA 1692e Misrepresentation of the character or legal status of the debt FCRA 1681s-2 ( a ) Furnishing inaccurate or unverified information FCRA 1681s-2 ( b ) Failure to reasonably investigate disputed 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: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bank closed all my accounts and would not provide a reason for the closure

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I transferred {$1000.00} into my newly opened XXXX savings account with Wells Fargo. On XX/XX/XXXX, I discovered that the {$1000.00} was missing from my account. 

I contacted Wells Fargo on XX/XX/XXXX, and was informed that the funds should appear in my account by XX/XX/XXXX. When the funds did not appear, I reviewed my transaction history and saw that the {$1000.00} had been classified as an ATM withdrawal. 

I never received an ATM or debit card for this XXXX account. I never authorized an ATM withdrawal, never shared my PIN with anyone, and did not use an ATM on XX/XX/XXXX or XX/XX/XXXX. 

I reported this transaction as fraud on XX/XX/XXXX and continued to contact Wells Fargo repeatedly on XX/XX/XXXX, XXXX, XXXX, and XXXX, XXXX. Despite my repeated reports and clear statements that I never received a card and never authorized the transaction, Wells Fargo concluded that an error did not occur and stated there was no evidence to support my fraud claim. 

Wells Fargo refused to provide provisional credit during its investigation or explain how an ATM withdrawal could occur without my receipt of a card or authorization. This refusal is inconsistent with Wells Fargos stated XXXX XXXX policy for unauthorized transactions and its obligations under Regulation E regarding unauthorized electronic fund transfers and error resolution. As a result, I have been left without access to {$1000.00} of my funds.

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: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> American Honda Finance Corporation XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX To Whom It May Concern, This letter is being sent in response to your communication regarding the above-referenced account. Please be advised that this is * * not a refusal to pay * *, but a request for * * validation of the alleged debt * * pursuant to the * * Fair Debt Collection Practices Act, 15 U.S.C. 1692g * *.

Under the FDCPA, I am requesting that you provide proper validation of this debt, including but not limited to : 1. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges 2. The name and address of the original creditor, if different from American Honda Finance 3. Proof that I am legally obligated to pay this debt 4. A copy of the original signed contract or agreement bearing my signature 5. Documentation showing that * * American Honda Finance has the legal authority to collect this debt 6. The date of default and the * * date the account was opened 7. Proof that the debt is within the applicable statute of limitations During the validation period, you are required by law to cease all collection activity, including but not limited to reporting or continuing to report this account to any consumer reporting agency. Any attempt to pursue collection or report inaccurate or unverified information may constitute violations of the FDCPA and the Fair Credit Reporting Act.

If you are unable to provide the requested validation, please confirm in writing that the account has been * * closed and removed from any credit reporting agencies * * to which it was furnished.

Please respond in writing only. Thank you for your cooperation.

Sincerely, XXXX XXXX XXXX

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: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX the XXXX XXXX  I did wire transfer total of {$10000.00} from my bank XXXX  to beneficiary XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to Bank of America XXXXXXXX Bank of America XXXX XXXX XXXX account # XXXX routing XXXX the funds were transferred to a trading platform then they said on XX/XX/year> the transaction was maliciously reversed and teres no assets on my account, I did reported this incident to local police case # XXXX well as federal trade commission report XXXX 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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing this complaint regarding an incorrect payoff quote provided by Chase on a closed credit card account, which has resulted in an unexpected and disputed balance. 

On or around XX/XX/XXXX I went to the Chase bank in XXXX Nc to request a final payoff amount for my XXXX credit card, as I intended to pay the balance in full and close the account. During this process, I was provided 3 different payoff amounts by Chase representatives. I paid the amount I was ultimately advised was the correct final balance and was explicitly told that the account was paid in full. 

Relying on Chases representation, I believed the account was fully satisfied and closed. However, on [ XX/XX/XXXX ], I received a letter stating that I still owe around {$350.00} and that a payment is scheduled to be withdrawn on XX/XX/XXXX. When I contacted Chase about this discrepancy, I was informed that the payoff amount I was given was incorrect, and I was advised to resolve the matter by visiting a branch. 

This situation occurred solely due to Chase providing an incorrect payoff quote. I acted in good faith, requested confirmation of the final balance, and paid the amount provided to me. I should not be held responsible for Chases internal error. I really do not think that I will be at fault for paying the difference. Assurance that no negative credit reporting will occur related to this matter I appreciate prompt resolution of this issue, as the account was paid based on Chases own instructions and representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
I was told that my insurance cover to everything. And I had to pay a {$170.00} before they would do the XXXX. So I did I got ta massage and fiction afterwards. It almost killed me. I was left scared. The debt collection agency contacted me XXXX time and then it went to a lawyer who sent me a deceitful letter and I. Almost missed my answer by XXXX  day and I've done a reminder. And now i'm trying to dismiss because I can't get any discovery or any proof of weather in charging me for and they shared my personal protected information which is a hipaa violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: HI

Complaint narrative:
b'Moneterey Collection SV is attempting to collect an alleged debt associated with Account #XXXX dispute this alleged debt in its entirety. Moneterey Collection SV has failed to provide proper validation of the debt, including proof of ownership, chain of assignment, or authority to collect, as required under federal law.\n\nDespite the lack of validation, the company continues collection activity and has contributed to inaccurate credit reporting. This alleged debt has been disputed, and continued collection or reporting without proper validation is improper.\n\nThe alleged debt has been assigned, and any continued attempt to collect or report listing me as the personal obligor is inaccurate.\n\nCertified Tracking of Physical copy of Letter: XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation