vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX of XXXX under a clear representation by the dealer and salesman that I would be able to refinance my car note in XXXX months. A financial expectation was met, implying that my payments and interest rate ( never disclosed actual interest rate ) were temporary or adjustable. I was a victim of deceptive sales practice.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Please help me add my XXXX XXXX credit card to my XXXX XXXX wallet. I've tried multiple times and on XXXX different XXXX, but for the last 2 years or so, have been unable to do so. In the past, my XXXX XXXX credit card was in my XXXX XXXX wallet. Then, upon XXXX of the phone upgrades, it was removed from there and I was never able to add it back since. Every time I try to add it, immediately after accepting Terms and Conditions I get an error message : " Card Not Added. Contact your issuer for more information. '' Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to Chase bank and deposited a {$200.00} state issued to check. I was told there was a hold on the check and the check would not clear until XX/XX/XXXX. I called Chase bank on XX/XX/XXXX and was told the check will clear in one business day and to call back the next day. I called back XX/XX/XXXX and was told the check is most likely fraudulent and they have a batch of checks that were fake the day before. I called on XX/XX/XXXX and was told again that the check might be fake. Each time I called the phone automatically transferred to the fraud department. I asked why I kept getting directly connected to the fraud department. I was told that the state issued check might be fraudulent. I asked Chase representatives several times if they could confirm if my state issued check was in fact fraudulent. The representative could neither confirm nor deny if the state issued was in fact fraudulent. I waited several days then called again on XX/XX/XXXX and the representative was rude and hung up on me. I received and alert on XX/XX/XXXX stating that the hold on the check had been lifted. I logged into my account and I did not see the {$200.00} in my account balance. I called Chase on XX/XX/XXXX and was told that they did give me the {$200.00} but they couldnt show me in my account transactions. Chase said it wouldnt show up in my transactions that I had to go back to XX/XX/XXXX to see the {$200.00}. Chase blatantly stole {$200.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian reported the XXXX XXXX XXXX tradeline ( acct ending XXXX ) as unchanged on XX/XX/year> ( Report # XXXX ). Under FCRA 611 I request the Method of Verification : copies of any ACDV/e-OSCAR requests/responses with codes/timestamps ; whether documents ( not just data ) were reviewed ; copies of any documents the furnisher provided ( contract, full ledger, DOFD, charge-off ) ; and ownership/chain-of-title or servicing/POA. If transferred/pooled/securitized, identify trust/trustee/servicer and provide custodial/transfer records. If Experian can not verify accuracy/completeness with documents tied to my account, please delete or correct the tradeline and send me an updated report and written confirmation. 
The account with XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute/validation request via certified mail ( XXXX proof attached ). I have not received complete validation ( contract, itemized accounting, XXXX/charge-off, chain of title, servicing/POA ) or the furnisher verification used to verify with the credit bureaus ( ACDV/e-OSCAR + documents ). Please require XXXX  to provide full validation, cease collection and credit reporting until validation is complete, and correct or delete any information that is inaccurate, incomplete, or unverified with all CRAs. If the account was transferred/pooled/securitized, provide bills of sale with schedules identifying my account and custodial/transfer records proving current ownership and authority. 
I request written communications only while this is under investigation. 
I requested : Signed original agreement ; complete itemized ledger ( all transactions/interest/fees ) ; Date of XXXX XXXX ( XXXX ) and charge-off ( if any ) ; and chain of assignment/ownership ( bills of sale/assignments with schedules listing my account ) plus any servicing/POA authority. Also provide the furnisher verification sent to the credit bureaus ( ACDV/e-OSCAR requests/responses with codes/timestamps and any documents reviewed, not just data ). If the account was transferred/pooled/securitized, identify any trust and trustee/servicer and provide custodial/transfer records proving current ownership and right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: SC

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 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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I financed a vehicle through Capital One Auto Finance on XX/XX/year>. After a total loss, my XXXX insurance provider issued XXXX separate claim payments to cover the full remaining loan balance. The first XXXX check was applied correctly toward the principal. The second XXXX payment, however, was misapplied by Capital One to fees and interest instead of the remaining principal. 

This resulted in an incorrect remaining balance of {$660.00}, even though both XXXX payments together were sufficient to pay off the loan in full. Capital One then reported the account as charged-off and derogatory on my credit reports. 

I contacted Capital One multiple times and provided proof of both XXXX checks, insurance claim documentation, and account statements showing the error. Despite this, Capital One refused to correct the misapplied payment or update the account status. 

I am requesting that the CFPB review this matter and require Capital One Auto Finance to : 1. Reapply both XXXX insurance payments properly toward the principal balance ; 2. Update the account status to Paid in Full Closed ; and 3. Remove any charge-off or derogatory notation from all credit bureaus. 

This appears to be a billing and servicing error in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Regulation X ( 12 C.F.R. 1024.35 ), which require accurate credit reporting and proper application of loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15

U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upo
n submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently appearing on my Experian credit report regarding a debt originally owed to XXXX XXXX. 
The same debt is being reported twice : Once by XXXX XXXX, showing as a collection account with a balance and past due amount. 
And again by XXXX XXXX XXXX XXXX, which is the collection agency to which XXXX XXXX transferred or sold the same account. 
This results in duplicate reporting of a single obligation, which is misleading and unlawful under the Fair Credit Reporting Act ( FCRA ). Once a debt has been sold or transferred to a collection agency, the original creditor must update their tradeline to reflect a {$0.00} balance and sold/closed/transferred status. 
By continuing to report both the original account with a balance and the collection account as active, Experian is publishing duplicative derogatory information that inflates my overall debt and negatively affects my creditworthiness. 
This violates : FCRA 607 ( b ) Requiring furnishers and credit reporting agencies to ensure the maximum possible accuracy of all reported information.

FCRA 602 ( a ) Prohibiting misleading information that damages a consumers access to fair credit. 
CFPB XXXX XXXX Clarifying that technically correct but misleading reporting is noncompliant with FCRA.

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 2025-11-08 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Was attempting to receive a transfer from someone through cashapp. I received a message stating that the transfer was on hold and that I was to ask the individual to send an additional {$500.00}. I attempted to contact the number supplied in the text I received and got a message about the mailbox being full. Received a call back immediately had a rude individual telling me I had to get the {$500.00} or I wouldnt receive my transfer. The number in the text was XXXX. 
I told the individual that I wasnt going to do that and wasnt going to do business with a company that made that kind of demand. I hung up on the individual. They tried to call me back after I hung up. 
I told the individual that was attempting to send the money to stop the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AR

Complaint narrative:
I am submiting to formally dispute several inaccurate or unverifiable items currently being reported on my credit file. After reviewing my recent credit report, I found account information and inquiries that appear to be reported in error or without proper verification. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that all data associated with my credit history is complete, accurate, and verifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance : {$670.00} 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 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: AR

Complaint narrative:
I am submiting to formally dispute several inaccurate or unverifiable items currently being reported on my credit file. After reviewing my recent credit report, I found account information and inquiries that appear to be reported in error or without proper verification. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that all data associated with my credit history is complete, accurate, and verifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * Balance : {$670.00} 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
A fraudulent charge of {$290.00} was posted to my SoFi debit card account on XX/XX/year> after a fake company posing as XXXX took my money when they told me that I needed to authenticate my account before listing items on the website. This all transpired over a live chat as someone pretending to be an employee of XXXX. When I challenged them on the issue that they were fake and stole my money, they ignored me. I subsequently filed a fraud dispute following this unauthorized transaction. The company told me that it would take up to 90 days but I would receive a provisional credit. Then they changed the reason for the dispute to goods or services not received, when I did NOT order any goods or services. Then, I didnt receive any updates within 10 days as SoFi had claimed. I had to contact them directly to get an update. They said they were waiting for a response from the merchant but this fake merchant was never going to do so! THEN I found out a month later that my claim was denied, but I didnt receive any sort of email communication about this result. So I called them to reopen the case and sent as much detail as I possibly could. NOW I received an email saying that my claim was denied AGAIN, because they believe the transaction was not made in error. IT WAS MADE IN ERROR. I did not purposely authorize a charge of {$290.00} to a company called XXXXXXXX XXXX XXXX XXXX XXXXXXXX!! XXXX is based in XXXX!! Ive reopened the case once again, and I cant even speak to someone in person to express my anger at how they have failed me as a customer. I have to wait for email communication. This is the WORST fraud dispute I have ever experienced and I am certain that someone does not want to give me my hard-earned money back. I am sick of this!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX AT XXXX, my BANK OF AMERICA checking account was not showing the correct amount due to some kind of nationwide system failure. During this time, as they claimed, were working on fixing the problem of account balances not showing currently in some BofA accounts. I had a transaction payment sent to my account o of XXXX from XXXX, which is an app used to book appointments for haircuts, as I am the owner of a XXXX. The money NEVER made it to my account. I'm looking for that money to be placed into my account ASAP as a 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 2025-11-08 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: GA

Complaint narrative:
I am senidng to formally dispute several accounts that appear on my credit report, as I have found discrepancies that do not accurately reflect my true payment history or account activity. I take my financial responsibilities very seriously and have always made an effort to maintain transparent and accurate records. Upon review of my credit file, I discovered multiple accounts that appear to contain inaccurate or unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, I have the right to dispute any information in my credit file that I believe to be incomplete or inaccurate, and I am exercising that right with this letter. The presence of these reporting errors has caused unnecessary stress and could potentially damage my creditworthiness and financial reputation. As outlined in FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of all information they report. 

XXXX XXXXXXXX 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 Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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