vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
am submitting this complaint directly as the account holder. 

A prior CFPB complaint regarding the same issues was submitted on my behalf by a third party ( CFPB Complaint ID XXXX, submitted XX/XX/year> ). Capital One refused to address the substance of that complaint and stated only that the submitter was not an authorized representative. Capital One sent me a letter dated XX/XX/year> ( Capital One Case XXXX ; CFPB Case XXXX ) stating they would not take further action on that complaint for this reason. This new complaint is submitted to ensure proper review of the same unresolved issues. 

My complaint concerns Capital One credit card accounts ending in XXXX and XXXX and ongoing inaccurate/unsupported handling and reporting of these accounts, as well as Capital Ones failure to provide requested documentation to verify the alleged debt and the accuracy of the information being reported/collected. 

For months, I have repeatedly requested verification and supporting account-level documentation, including complete records necessary to validate the balance and the accuracy of reporting/collection activity. Despite multiple written requests, Capital One has not provided the full documentation needed to substantiate the alleged debt and the accuracy of the reporting. Instead, I have received generic responses and/or limited materials ( for example, statements ) that do not resolve the dispute or provide the underlying proof I requested. 

In addition, the matter has escalated to litigation/collection activity through their attorneys/collection law firm ( XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. v. XXXX XXXX ). I dispute the alleged debt and the accuracy of the information being pursued and reported. I have been forced to defend myself in court while still not being provided full documentation that would allow me to properly evaluate and resolve the dispute. 

Capital One also states my accounts are in a cease and desist status, yet they continue actions that require them to provide legally required communications and to respond to legitimate disputes and requests for information. Their XX/XX/year> letter confirms they will not take any additional action on the prior CFPB complaint due to the unauthorized third party issue, rather than addressing the underlying, substantive issues. 

This complaint is not about a third party. It is submitted by me, the account holder, and I am requesting that Capital One be required to address the substance of my dispute, provide the requested documentation and verification, and correct any inaccurate reporting or unsupported collection activity. If Capital One can not substantiate the reporting and the alleged debt with proper documentation, then the disputed information should be corrected/removed and collection activity should cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized credit inquiries appearing on my consumer reports. I did not apply for credit, initiate a transaction, or provide written authorization for these inquiries. 

Despite disputing these inquiries with Experian, TransUnion, and Equifax, the credit bureaus allowed them to remain without requiring the furnishers to demonstrate a permissible purpose. No documentation showing my authorization or a valid business need was provided. 

Under federal law, consumer reporting agencies and furnishers are prohibited from accessing or reporting consumer credit information without a permissible purpose. The continued reporting of these inquiries violates : 15 USC 1681b which strictly limits permissible purposes for accessing a consumer report 15 USC 1681e ( b ) which requires reasonable procedures to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 1 ) which requires a reasonable reinvestigation of disputed information 15 USC 1681i ( a ) ( 7 ) which requires disclosure of how disputed information was verified Allowing unauthorized inquiries to remain without proof of permissible purpose undermines the integrity of my consumer file and has caused measurable harm to my credit standing. 

I respectfully request that the CFPB require the credit bureaus and furnishers to either produce documented proof of permissible purpose for each inquiry or immediately remove all unauthorized inquiries from my credit reports and correct my file. 

Unauthorized Inquiries with no permissible purpose : 1 ) XXXX XXXX  CONSOLIDATED 2 ) XXXX  CARD 3 ) XXXX CARD XXXX  4 ) 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

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 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing this complaint because Huntington Bank accepted a {$500.00} cashiers check into my Illinois Huntington account on XX/XX/year>, placed it on hold, released the funds on XX/XX/year>, later reversed the deposit, closed my account, and kept the $ XXXXThe cashiers check was purchased by my mother, XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/year> and made payable to XXXX XXXX XXXX for XXXX rent. I deposited the check into my Huntington account on 7/16/25 so I could pay my rent through my online portal. 
Huntington emailed me on XX/XX/year> confirming the check was accepted and placed on hold. Huntington then emailed me again on XX/XX/year> confirming the hold was released and my new balance was {$560.00}, which proves the check cleared. After releasing the funds, Huntington reversed the deposit, closed my account, and kept the {$500.00}. The money was not released to the rental company and was not returned to the purchaser. 
XXXX Bank confirmed the cashiers check was negotiated XXXX days after purchase, which means Huntington processed it internally. Huntington stated they believed the check was fraudulent, but they did not return the funds to the purchaser. Instead, they accepted the check, cleared the funds, closed the account, and retained the money. 
Huntington is requesting a XXXX rent receipt, which is irrelevant to the handling of the cashiers check. 
I am requesting either : Written proof showing where the {$500.00} was disbursed, OR Immediate return of the {$500.00} to the purchaser, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
National Recovery Agency Debt collector Cease and Desist Communication Account XXXX To whom this may concern : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease and desist all communications with me regarding the above-referenced account.

This request includes, but is not limited to, telephone calls, text messages, emails, letters, and any communication through third parties. You are instructed to stop all contact immediately except as specifically permitted by law.

Under 15 U.S.C. 1692c ( c ), once this notice is received, you may only contact me to : Advise that your collection efforts are being terminated ; or Notify me that you may invoke specific legal remedies.

Any communication beyond these exceptions will constitute a violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, as well as potential legal action. 

This letter is not an acknowledgment of any debt, nor is it a promise to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Sunday XX/XX/XXXX, I tried using my XXXX XXXX  Debit Card, issued by Truist Bank at a merchant. I was provided a message of 'Declined Transaction '. Knowing I had funds in the account, I called Truist Bank to obtain additional information as to why my card was Declined. The representative that I spoke to on the phone mentioned that it was Blocked and couldn't provide any additional details. When I asked if it was due to the program between XXXX and Truist ending, the representative said " That was the reason ''. I mentioned to the representative that the program does not end until XX/XX/XXXX ; however, the representative mentioned that Truist had to block the card and a new standard card will be sent to me. When I asked the rep will I still receive the benefits through the XXXX XXXX program, the representative said " No ''. I cited the policy that Truist sent to their cardholders on XX/XX/XXXX mentioning that Truist will stop issuing New Cards on XX/XX/XXXX and that Existing cardholders can continue using their card to earn XXXX XXXX  until XX/XX/XXXX. 

Additionally, it mentions in the policy that existing cardholders will have their debit card replaced After XX/XX/XXXX. 

My debit card was blocked by upper management and thus forced to switch to a XXXX XXXX debit card before the deadline

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 2025-12-23 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: NC

Complaint narrative:
b'I am submitting this as my seventh formal dispute regarding serious and ongoing inaccuracies that\ncontinue to appear on my Experian and TransUnion credit report despite six prior dispute submissions. The fact that these\nitems remain reported after repeated notifications demonstrates a continued failure to ensure maximum\npossible accuracy as required by the Fair Credit Reporting Act. These unresolved errors are materially\ndamaging my credit profile, misrepresenting my financial history, and causing ongoing harm to my ability to\nobtain credit on fair and reasonable terms. I am again demanding a complete reinvestigation and lawful\ncorrection of all disputed information in full compliance with FCRA XXXX(b), XXXX(a), XXXX(a), XXXX(a)(XXXX)(A), and\XXXX(a).\n\XXXX  CARD XXXX Balance Owed: $XXXX\XXXX XXXX Balance Owed: $XXXX\XXXX XXXX XXXX\XXXX XXXX XXXX XXXX XXXX\n\XXXX  XXXX XXXX XXXX, NC 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), this letter serves as formal notice that I demand you cease and desist all communication with me regarding the above-referenced account.

This includes, but is not limited to, telephone calls, text messages, emails, letters, and any communication with third parties regarding this alleged debt. You are hereby instructed to communicate with me only in writing for the limited purposes allowed by law, specifically to confirm that you will comply with this request or to notify me of any legal action you intend to take.

Be advised that continued contact after receipt of this letter will constitute a violation of federal law and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action.

This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is a request for lawful compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Money was transferred to my account from a family member for personal emergency matters and I could have access to it because of PayPal XXXX is who I spoke with that told me over the phone that I would need to wait XXXX to XXXX hours to have access my money also you said that it is in the terms and conditions that if a refund is processed and there is not enough funds in PayPal account that the money would be pulled from the XXXX XXXX account even though no money from PayPal was ever deposited in to the account. No disclosures were provided for consent by PayPal but later endorse even they were not readily available upon signing up for an account. 


After speaking with XXXX no resolution was reached and I was caused financial harm by the actions of PayPal.i asked that this matter be investigated and properly documented with the legal rights PayPal is exercising in the State of Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> I opened a Wells Fargo credit card under my name and Social Security number. I was approved and they sent me the card. When I received it, I downloaded the Wells Fargo app so I can pay the bill easily. When I did, Wells Fargo immediately contacted my father ( who is co-signer on a prior Wells Fargo student loan from ten years ago unrelated ) regarding me downloading the app and my credit card account, despite him not being involved with this credit card. This constitutes a privacy breach. 

Without my knowledge or authorization, Wells Fargo added my fathers bank account as a primary payment method for my credit card. As a result for the last 2 months the payments I made from what I thought was my own account were really being withdrawn from my fathers account instead. I had no idea this was happening. I have a lot of bills being paid from this bank account, never had any problem with paying a credit card so never double checked my account for accuracy. 
I do not have my fathers bank account information, and I did not approve of this setup nor did he, so I still don't know how this was automatically done without consent of either my father or me. 
My father noticed withdrawals from his account that he didn't make and filed a fraud claim immediately with his bank. Wells Fargo then reversed all payments from my card, dumped the entire 2 month balance back onto my credit card at once, and shut down my card and now I'm under a fraud investigation. My father and I are close if I knew this was happening we could of settled this ourselves without fraud. But because I didnt realize this has happened it has created unnecessary financial stress, payments have bounced, caused confusion, invaded mine and my fathers privacy, created debt and could negatively affect my credit report. 
I have contacted Wells Fargo, but they can't speak to me because it's now under a fraud investigation and advised me I must wait a month to speak with them to settle the issue. No resolution has been offered at this time. This is insanely inconvenient timing as I am trying to buy a house and this is definitely going put my credit in a bad place.

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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
To whom this may concern Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease and desist all communications with me regarding the above-referenced account.

This request includes, but is not limited to, telephone calls, text messages, emails, letters, and any communication through third parties. You are instructed to stop all contact immediately except as specifically permitted by law.

Under 15 U.S.C. 1692c ( c ), once this notice is received, you may only contact me to : Advise that your collection efforts are being terminated ; or Notify me that you may invoke specific legal remedies.

Any communication beyond these exceptions will constitute a violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, as well as potential legal action.

This letter is not an acknowledgment of any debt, nor is it a promise to pay.

Please confirm in writing that you have complied with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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