vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: Veros Credit, LLC
State: CA

Complaint narrative:
Veros Credit has refused to acknowledge that they have financed a vehicle in my namea transaction that is entirely fraudulent. I have contacted both the dealership and the California Department of Motor Vehicles ( DMV ), which has now opened an investigation into this matter. Despite sending two signed and notarized letters to Veros Credit, they have failed to respond or take any corrective action. 

In addition to submitting fraudulent documentsincluding a contract bearing my nameVeros Credit has refused to review video surveillance footage that clearly disproves my involvement. They have also used a mailing address that I have never resided at, further confirming the fraudulent nature of this transaction. 

Under California law, Veros Credit is required to investigate disputed debts and can not continue collection efforts without verifying the legitimacy of the debt. Specifically : California Civil Code 1788.17, part of the Rosenthal Fair Debt Collection Practices Act, incorporates the federal Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors must cease collection activities until they provide verification of the debt upon written dispute.

California Civil Code 1798.85 prohibits the use of personal information for fraudulent purposes and provides remedies for identity theft victims.

California Civil Code 1798.93 requires creditors to investigate claims of identity theft and remove fraudulent accounts from a consumers record if the claim is substantiated.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information ( like Veros Credit ) must investigate disputes forwarded by credit reporting agencies and correct any inaccuracies.

Veros Credits refusal to investigate, verify, or even acknowledge the dispute may constitute a violation of these statutes. I am requesting immediate compliance with these legal obligations, including a full investigation, cessation of any collection activity, and removal of the fraudulent account from all credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

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 2025-10-28 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: MO

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: DailyPay, Inc
State: GA

Complaint narrative:
In XX/XX/XXXX I discovered that DailyPay was showing an overpayment balance of {$840.00} and automatically enrolling me in a repayment plan of XXXX {$210.00} deductions from consecutive paychecks ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I already repaid XXXX {$210.00} installment on my previous paycheck, so my true balance is about {$630.00}. However, the DailyPay app still lists {$840.00} as due and displays inaccurate warnings. 

When I tried to move my available earnings to my DailyPay ( Friday ) Card, no warning appeared. The app even promoted this action with messages such as Transfer from your DailyPay available earnings to the DailyPay Card with no-fee instant transfers and Enjoy a no-fee instant transfer, on us! Because there was no disclosure, I called customer support to confirm. The representative told me that any transferincluding to the DailyPay Cardwould cancel my payment plan and cause my entire remaining balance to be deducted from my next paycheck. This contradicts what the app shows and what most consumers would understand by next paycheck. When I began recording the call for accuracy ( legal in Georgia, a one-party-consent state ), the agent said the call could not continue for security reasons and immediately disconnected. 

DailyPays language is misleading and inconsistent. The app uses next paycheck to mean the current paycheck ( XX/XX/XXXX ), not the following one, and fails to warn that internal card transfers cancel a repayment plan. It also presents an inflated balance. These issues combine to create a serious risk of unexpected large deductions from workers pay. I am requesting that regulators review DailyPays disclosure and communication practices, require them to display accurate balances, clarify repayment-plan language, and ensure that all warnings about plan cancellation appear before users confirm any transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Bank account closed without explanation / funds withheld What happened : I opened a new Huntington Bank account 2 days ago. I mobile deposited a personal check for {$1300.00} that I legally own and endorsed properly ( For Mobile Deposit Only ). Today I was notified that my account has been closed and that Huntington has ended its banking relationship with me. I was given no reason and no timeline for release of my funds. The check was legitimate, from a verified XXXX XXXX and I can provide all documentation. I am requesting immediate release of my funds and a full explanation for the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern : I am filing a complaint against Capital One regarding a misleading credit card offer and an improper fee charge. 
I received a credit card offer from Capital One that specifically stated there would be no impact on my credit if I accepted the offer on XX/XX/year>. I accepted this offer in good faith, believing the terms were accurate. Shortly after, Capital One approved the account, charged a {$39.00} membership fee, and then closed the account only a few days later without explanation or prior notice. 
This sequence of events is concerning for several reasons : The offer stated no impact on your credit, but the account was opened and closed within days, which may have affected my credit report. 
I was charged a {$39.00} annual/membership fee even though the card was closed almost immediately and I never used it. 
Capital One has not provided a clear explanation for why the account was closed or whether the credit inquiry associated with the offer will remain on my report. 
I am requesting the following resolutions : A full refund of the {$39.00} membership fee. 
Removal of any credit inquiry or negative reporting associated with this card application. 
A clear explanation from Capital One regarding why the account was opened and then closed despite the no impact promise. 
I have attached ( or can provide ) any documentation related to the offer and subsequent closure if needed. 
Thank you for your attention to this matter and for helping ensure fair and transparent practices by Capital One. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
I live in the state of XXXX. I applied online for a personal loan. The interest rate is set at 299 %. I believe it was to 29.9 %. I did research and is my understanding there is a cap that can be charged for living in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am writing to formally dispute the presence of XXXX or more unauthorized hard inquiries appearing on my credit report. After reviewing my credit file, I identified inquiries that I did not authorize, initiate, or grant written permission for.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit authorization or in connection with a legitimate credit transaction that I initiated may be reported. Because I did not apply for credit or grant permission for these inquiries, they are unauthorized and constitute a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Dear BARCLAYS BANK DELAWARE : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
My husband and I recently put an offer on a property that was owned and listed by a real estate agent, meaning the seller was also the listing agent for the home. 

After submitting our offer, the seller encouraged us to use her preferred lender, saying it could help us secure a better rate and make our offer stronger. We contacted the recommended lender and made it clear that the seller was the homeowner who referred us. 

We spoke with loan officer XXXX XXXX and during our conversation, we discussed our income, credit score, and debt. The lender provided an estimated loan quote that seemed competitive, so we decided to move forward with a formal application. We provided all requested financial documents, including our Social Security numbers, authorizing him to pull our credit. 

However, when the lender later emailed us our official Loan Estimate, we discovered that both the seller, who owns the property, and her partner agent were copied on the email. That email included highly sensitive financial details, including our credit scores and outstanding debts, information that should have remained strictly confidential. 

We were shocked and upset to learn that our private financial information was shared with the seller, especially since we had explicitly stated via text that we wanted our information to remain private. This was a serious and unethical breach of confidentiality. 

Because of this violation, we immediately decided we no longer wanted to be involved with the transaction or the property. 

To make matters worse, a day later, the lender texted my husband to say the seller had posted that the property was under contract and asked if it was us. We again expressed our frustration and asked why the seller and her agent were included in that email chain. Instead of taking responsibility, the lender gave multiple excuses, claiming he didnt realize she was the seller. This explanation doesnt add up, as it was clear from the beginning who referred us and what property the loan was for. 

At this point, all we are asking for is a sincere apology and acknowledgment of wrongdoing. We are not looking for excuses, only for the lender to take accountability for this serious breach of trust and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AZ

Complaint narrative:
b'Robert Carr III\nXXXX\nXXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\n\nExperian\nXXXX XXXX XXXX\nXXXX XXXX XXXX\n\nSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), XXXX XXXX XXXX, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\n\n1.\tXXXX XXXX XXXX\n2.\tXXXX XXXX XXXX XXXX\n3.\tXXXX XXXX XXXX XXXX\n4.\t9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within XXXX  days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within XXXX XXXX) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXX\n\nSincerely,\nXXXX 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 2025-10-29 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: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/year> I contacted several Finance company asking question XXXX XXXX and One Main, for general information about financing. I clearly stated that I did not authorize a credit check unless I decided to move forward. Despite this, the company pulled my credit report, which now appears as a hard inquiry. I am requesting this unauthorized inquiry be removed from my credit report and that the company be investigated for improper use of consumer information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IN

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I write regarding CFPB Case No. XXXX, which concerns Firstmark/KeyBank tradelines appearing on my consumer reports. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), 15 U.S.C. 1681c ( c ) ( 1 ), and 12 C.F.R. 1022.43 ( e ) ( 1 ) ( 3 ) ( Direct Dispute Rule ), please provide written confirmation of the following for each XXXX account you furnish : Date of First Delinquency furnished to each CRA Identify the date of commencement of the delinquency that immediately preceded the action ( commonly, Date of First Delinquency / DoFD ) that XXXX furnished to : a ) XXXX  ; b ) XXXX  ; XXXX ) XXXX. 
For each CRA, include the exact date value, the date it was last furnished/updated, and any subsequent changes made since XX/XX/year>. 

XXXX investigation outputs ( this CFPB case ) Provide : ( i ) the date XXXX completed its reinvestigation of my dispute associated with CFPB XXXX ; ( ii ) a concise description of the steps taken as required by XXXX ( XXXX ) ( XXXX ) ( i ) ( XXXX ) ( records reviewed, systems queried, and how you verified the accuracy of the information furnished to each CRA ) XXXX and ( iii ) whether Firstmark communicated any corrections or deletions to all CRAs as required by XXXX ( XXXX ) ( XXXX ), with dates sent. 

Reinvestigation data with the CRAs ( ACDVs/CDVs ) List the ACDV/CDV identifiers and timestamps for each reinvestigation Firstmark responded to concerning these tradelines from XX/XX/year> to present, and identify the data elements returned to each CRA ( including the furnished DoFD, Account Status, Payment Rating, Date of Account Information, Date Closed, Special Comment, Compliance Condition Code, Current Balance, and Original Charge-Off Amount ). 

Charge-off / collections characterization State whether any account was ever externally placed with a third-party debt collector. If yes, identify the agency name, placement date, itemized balance at placement, and provide a copy of ( or data from ) the first XXXX notice. If no, confirm that any collections notation was internal recovery only and not an external placement. 

If no correction was made Provide the factual basis and records relied upon to conclude that the furnished DoFD and any charge-off annotations were accurate, including how those records align with the forbearance/extension covering XXXX XXXX XXXX and the first post-forbearance due date. 

This request seeks factual information necessary to confirm the data XXXX furnishes to consumer reporting agencies and to preserve my rights. Please respond within XXXX days of receipt. Nothing herein waives any right or remedy under federal or state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid {$1500.00} to XXXX XXXX XXXX XXXX using my Bank of America debit card for a cruise booked far in advance. When I later requested a refund due to poor treatment and the company refusing to assist, XXXX XXXX declined to issue any refund. 

I contacted Bank of America to open a dispute for service not rendered or merchant error, but the charge was considered too old. The merchant has still not delivered what I paid for.

Im requesting CFPB assistance to ensure Bank of America reopens or properly investigates this case so I can recover the {$1500.00}. I have all documentation and call logs from XXXX XXXX and my bank dispute.

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