vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NH

Complaint narrative:
I am the rightful owner of a Cash App account. 

The account holds approximately {$400.00}. My access email was removed, and I no longer have the phone number on the account. I have been denied access to the account solely because they chose to remove my email unless I upload government ID, which I decline. 

Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 CFR 1005.11 ), I request written confirmation of the reason for restriction and immediate release or refund of my balance. 

Account information XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I receive a Letter From Portfolio Recovery Associates LLC Saying information about a account own under my name and that there was a time frame to dispute it if is not mine, I did disputed but never receive a letter back with the information need it to prove that it belongs to me, but they did reporter to my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in the beginning of XXXX, my XXXX money was withheld from me for the full three years. I never received one XXXX of it. I was told by Bank of America employees there was nothing left in my account and there was nothing they could do about it after being on hold For hours on end just to be told theres nothing they can. I struggled greatly during that time due to not being able to have access to my funds. I did receive a letter from Bank of America stating that they had had my funds on hold for the three years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB Case Manager, I am writing to urgently request a reconsideration of my complaint regarding Capital Ones denial of my dispute for a serious online fraud incident that resulted in the loss of more than {$18000.00} I have complied fully with all investigation requirements, provided evidence, and reported this crime immediately yet my case continues to be dismissed without proper consumer protection.

What happened to me is not a simple authorization error. I was manipulated and defrauded by an organized criminal operation using deception, coercion, and false digital identities. This is a crime, and as a consumer, I should not be left without support simply because the scammers pressured me into finalizing the transaction. 

I was a victim of a highly sophisticated online scam.

I reported the issue promptly and provided all supporting documentation.

Capital One did not conduct a deeper investigation into the receiving bank or any fraud indicators.

I have acted responsibly and in good faith yet I am suffering the full financial harm.

I paid for a service that I don't receive and that's a main reason for my dispute.

Four months have passed, and I have been left alone to fight for the recovery of my life savings while criminals walk away freely. I am emotionally exhausted, financially damaged, and deeply disappointed that the system designed to protect consumers is failing me so far. I am simply asking for fairness and justice.

Capital One has refused to provide any proof that a real investigation was conducted.

The only documents they sent to justify their denial were my own bank statements, which came from me to begin with.

No information was provided regarding fraud indicators, merchant verification, or receiving bank investigation which raises serious questions about whether any meaningful review occurred. 
I am simply asking for fairness, accountability, and protection as a victim of a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
This isn't my debt and it has been well oveXXXX XXXX  years as well needs to be removed. Also this was my late XXXX 's account XXXX XXXX ( she is now XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXXDiscover Bank continues to furnish inaccurate and unverifiable information to the credit bureaus after prior CFPB Case XXXX  was closed. The Discover tradeline (Account XXXX XXXX XXXX XXXX) still appears on my XXXX  credit report dated XXXX as a charged-off account last updated XXXXDiscover has mailed me eight unsigned billing statements that list the wrong legal name XXXX XXXX XXXX instead of my correct name XXXXXXXX XXXX XXXX The company refuses to correct this name mismatch and has never produced a signed credit-card agreement, ownership documentation, or validation of the alleged debtXXXXThese actions violate:\n 15 U.S.C.  1681s-2(a)(1)(A)  furnishing information known to be inaccurate;XXXX  15 U.S.C.  1681s-2(b)  failure to investigate and correct after notice of disputeXXXX 15 U.S.C.  1681e(b)  duty of maximum possible accuracyXXXX  15 U.S.C.  1681i(a)(5)  duty to delete unverifiable information; and\n Texas Finance Code XXXX  failure to correct disputed informationXXXXDiscovers continued monthly updates and refusal to validate show reckless disregard for federal and Texas law.\n\nRequested enforcement: Investigate Discover Banks continued furnishing of disputed data, require deletion of the tradeline from all credit bureaus, and impose appropriate corrective and supervisory action.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
* * * * VIOLATIONS CITED : 15 U.S.C., 1692 C ( C ), 1692d ( 5 ), 1692f, 1692g ( b ) THEY HAVE FAILED TO VALIDATE THE DEBT OR FURNISH DOCUMENTS WITH MY WET SIGNATURE FOR XXXX SEPARATE ACCOUNTS WITH XXXX DIFFERENT AMOUNTS. THEY HAVE CALLED AND SENT MULTIPLE LETTERS AFTER I REQUESTED DEBT VALIDATION FOR BOTH THAT I NEVER RECEIVED. 
I DO NOT HAVE AN AGREEMENT, NEITHER VERBAL OR WRITTEN WITH LVNV FUNDING, XXXX OR HAVE EVER CONDUCTED BUSINESS WITH LVNV FUNDING LLC. 
I HAVE INFORMED THEM OF THIS ON MULTIPLE OCCASIONS, BY BOTH PHONE AND WRITTEN COMMUNICATIONS. I NEVER CONSENTED TO THEM OBTAINING OR RELEASING ANY INFORMATION PERTAINING TO ME OR MY CONSUMER FILE. DEBT WAS NEVER VALIDATED AND THEIR PERSISTANCE CONTINUED EVEN AFTER I TOLD THEM I DO NOT CONSENT TO VERBAL COMMUNICATION. 
LVNV FUNDING, LLC USES MISLEADING AND UNLAWFUL DEBT COLLECTION TACTICS AND PRACTICES WHICH HAVE LED TO NUMEROUS LAWSUITS AND BOTH FEDERAL AND STATE VIOLATIONS. THERE HAVE BEEN MANY EXPIRED AND/OR DISCHARGED DEBTS THEY HAVE PURSUED IN VIOLATION WITH CONSUMER RIGHTS. LEGAL CASE EXAMPLE : XXXX XXXX vs LVNV Funding LLC. 
I DEMAND THIS COMPANY STOP REPORTING ALL AND ANY INFORMATION ABOUT ME TO ANY PERSON, PLACE, THING, BUSINESS, ENTITY, CORPORATION, OR CONSUMER REPORTING AGENCY AS THE INFORMATION IS UNVERIFIED, INACCURATE, AND VIOLATES MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: KY

Complaint narrative:
I am filing a complaint against Experian for reporting multiple inaccurate and unverified items on my credit report, even after I filed a written dispute. Experian is showing an incorrect name, Also Known As : XXXX XXXX, which does not belong to me. 

Experian is also reporting several accounts that I have no knowledge of, including XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and multiple collections from XXXX tied to XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Other false collections include I XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I never authorized or opened any of these accounts. 

Additionally, Experian is reporting unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were made without my permission or any permissible purpose under FCRA 604 ( a ).

Experian failed to verify or remove these inaccurate items within 30 days, violating FCRA 1681i. I request the CFPB to investigate Experian and require the permanent deletion of all unverified, inaccurate, and unauthorized information from 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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Yes, they did not remove the hard mark or letter of XXXX  error. The information shared is not the correct conclusion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST FINANCIAL BANKSHARES, INC.
State: TX

Complaint narrative:
First financial bank has been giving me issues since a large deposit was made in a particular account. On the XXXX of XXXX I received a call from a XXXXXXXX XXXX XXXXXXXX who was asking me about my happiness with the bank and said I needed to do a change of address. She sent me a form to sign that literally only stated my old address and my new address and authorized them to make the changes. I signed it. On XX/XX/XXXX I entered the XXXX Tx location on XXXX to find out my account was at a {$0.00} balance and someone had withdrawn my entire amount and the account was noted as pending closed. I, nor my husband authorized this. We also were in the branch location off college park the week prior to the XXXX and filled out all documents they requested to show we had ownership of this account. On the XXXX the branch at XXXX stated they didnt even show that on file. This bank is acting incredibly fraudulent and I now have no money and was told the check is showing to be a cashiers check and it was sent via regular mail to my new address WHY would they do this and send that large of an amount via regular mail with XXXX tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: MI

Complaint narrative:
I dispute the reporting of the Possible Finance account on my credit file. It is being reported inconsistently : one tradeline shows the account as Open/In Good Standing with 100 % on-time payments, while another shows it as 30 Days Late with a past-due balance of {$150.00} and only 50 % on-time history. 

This contradictory reporting is inaccurate and violates the FCRA, including 1681i ( reinvestigation ) and 1681e ( b ) ( accuracy ). It also violates Metro-2 reporting standards, which prohibit an account from being reported as both current and delinquent at the same time. 

The furnisher has already confirmed ( XX/XX/year> ) that this loan is paid in full. All derogatory entries must be corrected or the tradeline must be deleted entirely. Please update and provide an accurate report within 30 days. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Back in XX/XX/year> I received a CareCredit card for some dental work that I desperately need because the medicine that I have been on ruined my teeth I was approved for {$5100.00} and at the time I was told my payment would run about {$89.00} a month which they turned out to be {$160.00} a month and the job I had at the time only paid me {$500.00} every XXXX weeks so making a payment was a struggle but I made him anyway after a year of making payments I went to look to see how much I owed and I was still sitting at XXXX nothing was coming off I don't know where the payments were going so I called and spoke to a very rude person who kept telling me that it was a promotion and I had to pay my finance charges when they tacked on the finance charges it was almost {$4000.00} and sometimes I have to choose between medicine and feeding my child so I would fall behind a month and then get back on track then my mother got ill and ended up in at XXXX XXXX  and I had to take a leave of absence from work with no pay and I struggle even then to try to get my payments made and once again I tried calling and explaining they didn't want to hear it and then I did speak to a young lady who told me that they could cancel out what I owe but only if I was ill so I continue to make my payments they're late fees are ridiculous I have gone from a {$5100.00} limit right now I believe I owe well over {$10000.00} and all of that is they're uncouth practices so I recently had a XXXX and I missed my XXXX payment so here XX/XX/XXXX I try to go online and make another payment and I can no longer log on it says I can't make a payment online anymore I can't pay their back fees because I can't afford it they really aren't about helping you they are more interested in getting their money which isn't a problem if they were honest about their charges so if I have to take the hit on my credit month after month then I guess I'll have to because they're not trying to work with me and I can't afford to stress anymore if you can help me I would appreciate it

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