vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report - File Number XXXX XXXX XXXX  Dear Consumer Financial Protection Bureau XXXX This letter disputes inaccurate information on a credit report issued by your agency. A copy of the credit report with the disputed items circled is enclosed. This is a formal request to investigate and correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B, it is illegal to report information on my credit report without my permission thank you please remove this items from my credit report now. 

This request is made pursuant to * * 15 U.S. Code 1681i * *, which requires a reasonable reinvestigation of disputed information.

* * As required by the Fair Credit Reporting Act ( FCRA ) : * * 1. * * Reinvestigate each of these disputed items * * within the timeframe mandated by the FCRA.

2. * * Delete or correct any information that is found to be inaccurate, incomplete, or can not be verified * *.

3. * * Provide the results of your reinvestigation * * in writing within five business days of completion.

4. * * Send an updated copy of my credit report reflecting the corrections or deletions * *.

5. * * If you are unable to resolve my dispute, allow me to add a statement to my file * * explaining the nature of the dispute, as is my right under 15 U.S. Code 1681i ( b ).

6. * * Provide the names and addresses of all individuals contacted * * during the reinvestigation, so follow-up can be made directly.

Under the FCRA, this investigation must be completed within 30 days of receiving this dispute. Prompt attention to this matter is appreciated, and a swift resolution is expected to ensure the accuracy and fairness of the credit information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I have reviewed my credit report and found a hard inquiry linked to a company I never submitted an application to. I have no association with this business and did not authorize them to access my credit report.

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Purchased a vehicle from the company and a vehicle fuel pump when had a vehicle no more than XXXX year And he didnt want to do the repairs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I went to my local Bank of America to deposit my retirement check from my employer. The check was for {$140000.00}. I specifically asked the teller and manager how quickly the check would clear and could be used to invest and was told it should be available tomorrow - today XX/XX/year>. My employer uses XXXX XXXX another large bank. Today when I checked my account there is a hold on the check until XX/XX/year>. I called customer service at B of A and they said because I don't have an equal amount in that specific account- I had {$44000.00} in that specific account but more than the amount in my accumulated B of A accounts- that they would not be releasing the check. They claimed a 5 day business day hold that begins on XXXX - today-. Even in that day calculation the bank takes advantage since they are only counting M-F since they are open on Saturday. I am losing out on interest and investment opportunities since this is a checking account, while B of A has that money and is earning interest themselves. 
The point is, I would not have deposited the money in the bank or checking account had I been given accurate information about the hold and directly put it into an investment account.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a complaint against navy federal credit union regarding their failure to complete an account investigation within the time frame required by federal law ( regulation E ) and refusal to provide provide provisional credit Details of my complaint Investigation into account begin on XX/XX/year>XXXX  Under federal regulations regulations, Navy Federal must complete the investigation within ten business days or provide provisional credit Details, but they have missed that deadline.

Despite multiple visits to Navy Federal branches and numerous phone calls requesting resolution, Navy Federal has not released my funds or provisional funds to cover my bills They have also refused to close my account at my request This situation has left me without access to my own money and has jeopardized my ability to pay essential expenses I request that Navy Federal immediately release my funds or provide the required provisional credit, and a written explanation for why the investigation has not been completed within the legally mandated timeframe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
* * Date : XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau * * XXXX XXXXXXXX XXXX Washington, XXXX XXXX * * Capitol One XXXX  Headquarters * * [ Insert appropriate mailing address ] * * [ Other relevant agencies, e.g., Federal Trade Commission, State Banking Authority, if applicable ] * * Subject : Formal Complaint Regarding Reversal of Temporary Credit by Capitol One XXXX  Bankruptcy Case No. XXXX Dear Sir/Madam, I am writing to formally file a complaint against Capitol One XXXX  regarding the improper reversal of a temporary credit adjustment for the amount of {$510.00}. This amount was paid to XXXX XXXX XXXX and is currently included in my XXXX XXXX bankruptcy case, No. XXXX. 

Despite the fact that this payment is part of my ongoing bankruptcy proceedings, Capitol One XXXX  reversed the credited amount, causing undue financial hardship and potentially negatively affecting my bankruptcy case. The reversal occurred without prior notice or adequate explanation, which I believe is a violation of my rights as a consumer and debtor. 

I respectfully request that your office investigate this matter promptly and ensure that Capitol One Bank rectifies this situation by reinstating the credited amount to my account. Furthermore, I seek assurances that such actions will not be taken without proper notification or consideration of the implications related to bankruptcy proceedings.

Please find attached supporting documents, including bank statements, proof of payment, and any relevant communications. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
This debt is from XXXX  i was unaware i owed this and still not sure if i do. They did not have my address so i didnt get unformation and the call i recieved had terrible connection and didnt hear everything she said.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Unable to speak with anyone at experian. They route to an automated system.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Misrepresentation by Capital One Regarding Hardship Assistance I am filing a complaint against Capital One due to misleading and inconsistent guidance I received after notifying them of a financial hardship. 

Prior to my due date, I contacted Capital One and explained that my job was delayed in paying me. Multiple representatives assured me that my hardship was understood, and that I would be allowed to pay my regular minimum payment at the end of the month, without being charged additional late fees, interest, or account penalties. 

Despite these promises, my account was wrongfully closed, and I am now being required to pay {$280.00}, which is far above my regular minimum, along with late and interest fees I was told I wouldnt be charged. 

When I contacted Capital One again to resolve the issue, they refused to help or honor the prior agreements made by their representatives. This is not only financially damaging but also emotionally distressing, especially since I made every effort to communicate in good faith and was misled. 

I am asking for : Reversal of late and interest fees. 
Reinstatement or appropriate adjustment of the account. 
Written acknowledgment of the misinformation I was given. 

I am also requesting that any negative reporting to credit bureaus be reviewed and removed, as it was based on a situation created by Capital Ones failure to uphold its own guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my XXXX XXXX, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

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 2025-07-03 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding the unjust and unexplained limitation of my XXXX XXXX Account. My account had a clean history : XXXX disputes, XXXX chargebacks, XXXX refund claims. We had just begun to scale advertising and started seeing organic growth and sales and immediately after that, XXXX suddenly blocked the account. 

The reason provided was that my account is associated with another account that has violated XXXX policies. 
This is false and baseless. This is the only XXXX account Ive ever operated for this legal entity a newly incorporated XXXX business. I have never had any previous accounts or violations. 

Furthermore, I suspect XXXX made this assumption based on XXXX XXXX, which is misleading. While my team members may have logged in from different locations ( as is common in remote companies ), that does not imply shared control or ownership with any other account. This is a legitimate business account with legitimate XXXX operations. 

There were no warning signs, no prior communication, no opportunity to clarify anything just a full and sudden restriction. My funds are now being held without justification. 

I am demanding : Immediate investigation and unfreezing of my account A formal explanation with technical evidence of the supposed association Unrestricted access to my legitimate business funds XXXX  actions resemble XXXX XXXX  and arbitrary restriction of competition something CFPB and XXXX regulators have previously scrutinized. If not addressed, I reserve the right to escalate this further to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the Federal Trade Commission ( FTC ), and state-level XXXX XXXX, as XXXX operates XXXX a money services business ( MSB ) XXXX federal and state oversight. 

I request that this complaint be taken seriously. I am running a legitimate business, and being cut off from my operating capital due to vague and false accusations is damaging and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I was contacted by the creditor to pay off a special amount to close the account if I completed the agreement and I did.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer XXXX XXXX that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my XXXX XXXX except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief