vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX after noticing a second mortgage charge of {$2200.00} ( this is my typical monthly amount ), I reached out directly to Lakeview Loan Servicing - XXXX. I was told that this is because my loan transfer brought over my autopay information, when setting up my account the week of XX/XX/XXXX, it wouldn't let me change and was given me specific errors, at which point I deleted the autopay. I then set-up a new payment to make sure the mortgage was paid ; this led to the double charge I'm told. 

I spent XXXX minutes on the phone talking to a customer service rep and then a resolution team member. The resolution team member spent more time looking at a clause in my original loan for the autopay transfer to my new lender. The only resolution I was offered was to submit a before and after bank statement " proving '' I was charged, despite applying the money and pushing my next payment to XX/XX/XXXX VIA email with my loan subject line. I was then told it would take the company 3-5 business days to process this request. This would be then followed up with 10-15 days to receive a paper check, as I'm told they're unable to stop the transfer or send it VIA ACH. 

I'm now pulling money from my emergency funds just to cover the second payment, because even if I get my money back 21 days from now, I'm 9 days from my next mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Midland Credit Management ( a debt buyer ) is inaccurately reporting late payments on my credit reports, even though I never had a credit account or payment agreement with them. Debt buyers can not report late payments because there is no original creditor relationship with me and no payment schedule I ever agreed to. 

The account is also a duplicate of XXXX XXXX account already reporting ( or previously reported ), which is misleading and artificially harms my credit score. 

I have disputed this several times with the credit bureaus and Midland, but the inaccurate information continues to be reported. 

This violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information that is inaccurate or misleading FCRA 15 U.S.C. 1681s-2 ( b ) failing to conduct a reasonable investigation after a dispute FDCPA 15 U.S.C. 1692e ( 8 ) communicating credit information known or that should be known to be false CFPB Regulation V, 12 CFR 1022.42 & 1022.41 ( b ) duty to correct and update information ; duty to investigate disputes Midland did not provide any documentation that I ever had a contract, payment schedule, or agreement with them. A debt buyer can not legally create a late payment history for an account that never existed. 

I am requesting that CFPB require Midland to : Delete the inaccurate late payment data, and Remove the duplicate collection account from my credit reports entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
CHASE HAS DROPPED MY AMOUNT TI BORROW ON ALL MY CARDS. I dont care about this however because of their actions my credit score has dropped a bunch. They really dont want me to pay down these cards because they are getting around XXXX a month for only having my name on their credit cards. Now I can not refinance my home, which I was trying to do to pay off these cards but the mortgage company will not loan me the money because my credit score has dropped a lot. There is something definitely wrong with this system. I have never been late with anything. Someone out there has got to help me fight this company. 
THANK YOU MUCH. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
Credit reporting agency has a responsibility to report maximum accuracy on my credit report. A charge off is considered cancelled or forgiven debt. Why is income still being reported on my credit report when they are not allowed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I attempted to pay my Capital One credit card, account ending in XXXX XXXX for the amount of {$920.00}. Due to a decimal error, an electronic payment of {$92000.00} was processed instead. 
This overpayment of {$91000.00} forced my external bank account ( ending in ... XXXX ) to draw from its line of credit. As a result, I am incurring interest charges on Capital One 's error. 
Since the transaction, I have attempted to resolve this issue with Capital One customer service multiple times, speaking with at least five different supervisors. The supervisors provided conflicting information and no one took appropriate action to resolve the issue. 
Despite my immediate and repeated efforts, Capital One has failed to refund my money, forcing me to incur financial penalties for their mistake. 
My Desired Resolution : I want Capital One to immediately refund the {$91000.00} overpayment and reimburse me for all interest and fees charged on my line of credit due to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Issue : Debt collector continued collection efforts after receiving written dispute & validation request. 

Company : Resurgent Capital Services Account ID : XXXX Summary : I submitted a formal written dispute and validation request to Resurgent Capital Services on XX/XX/year>. XXXX tracking shows the company received it on XX/XX/year>. My letter requested full validation under XXXX XXXX. XXXX ( b ) and instructed them to cease all collection activity until validation was provided. 

Despite this, XXXX continued collection activity by sending me three emails : XX/XX/year> XX/XX/year> XX/XX/year> These communications are illegal under the FDCPA because the collector is required to stop all collection activity until validation is provided. No validation has ever been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint due to multiple hard inquiries that were placed on my credit report without my written authorization or permissible purpose under FCRA 604. On my credit report, the companies listed below accessed my consumer report and placed hard inquiries without my approval, without my written consent, and without providing proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I contacted these companies and requested validation of the inquiries and proof of permissible purpose including my signed authorization, application number, IP logs, and time stamps. None of the companies were able to provide verification or proof that I authorized them to access my credit file. These inquiries remain on my credit profile despite the fact that the furnishers failed to validate and failed to demonstrate compliance with FCRA 604, 607 ( b ), and 610. TransUnion, Equifax, Experian is continuing to report these disputed inquiries without marking them as disputed and without investigating or providing the method of verification, which is a violation of FCRA 611 ( a ) and 623 ( a ) ( 3 ). I am requesting the CFPB to intervene and require the following resolution : Removal of the unauthorized inquiries listed above from my credit report, Confirmation that the furnishers are no longer reporting hard inquiries that they can not validate, Notice of reinsertion protections to prevent the inquiries from reappearing without proper documentation and 5-day notice as required under FCRA. I am a victim of unauthorized credit pulls and the continued reporting of these inquiries is causing harm to my credit score and my ability to obtain credit at fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint due to multiple hard inquiries that were placed on my credit report without my written authorization or permissible purpose under FCRA 604. On my credit report, the companies listed below accessed my consumer report and placed hard inquiries without my approval, without my written consent, and without providing proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I contacted these companies and requested validation of the inquiries and proof of permissible purpose including my signed authorization, application number, IP logs, and time stamps. None of the companies were able to provide verification or proof that I authorized them to access my credit file. These inquiries remain on my credit profile despite the fact that the furnishers failed to validate and failed to demonstrate compliance with FCRA 604, 607 ( b ), and 610. TransUnion, Equifax, Experian is continuing to report these disputed inquiries without marking them as disputed and without investigating or providing the method of verification, which is a violation of FCRA 611 ( a ) and 623 ( a ) ( 3 ). I am requesting the CFPB to intervene and require the following resolution : Removal of the unauthorized inquiries listed above from my credit report, Confirmation that the furnishers are no longer reporting hard inquiries that they can not validate, Notice of reinsertion protections to prevent the inquiries from reappearing without proper documentation and 5-day notice as required under FCRA. I am a victim of unauthorized credit pulls and the continued reporting of these inquiries is causing harm to my credit score and my ability to obtain credit at fair terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Tesla, Inc.
State: MA

Complaint narrative:
Wow, covered under Tesla insurance I got in an accident where the other driver was at fault who hit my vehicle and call severe damage damages to my vehicle. Tesla insurance is not paying for my damages when I was fully covered for those damages at that time they refuse to pay for the damages to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
This was not authorized by XXXX XXXX. 
: XX/XX/year> XXXX XXXX PayPal , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference : XXXX Dear XXXX XXXX : This notice is in response to your recent request for a PayPal Pay Monthly installment loan. Our records show that you requested to open an installment loan on XX/XX/year>. 

We regret that we are unable to approve your request at this time for the following reason ( XXXX ) : Too many accounts with balances. 
Serious delinquency, and derogatory public record or collection filed. 

You also have the right to a free copy of your report from the reporting agency if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
This complaint is about my late wife 's IRA account. My wife XXXX XXXX XXXX passed away on XXXX XXXX. She had her own IRA account managed by XXXX XXXX ( XXXX ) XXXX She was XXXX and was already taking Required Minimum Distribution since turning XXXX. 
However, this year the registered representative has refused to all an RMD

against her account until a Transfer Account certificate is issued by the IRS, whish will take 6 to 9 months. Her will is just being published and now probate can begin. Despite being informed by being given a copy of " Required Minimum Distributions for IRA Beneficiaries '' which clearly states in the spouse only/after required beginning date category in option 7 " Can take owner 's RMD for year of death '', they still refuse to allow an
RMD. HSBC own statement issued every month on the account mentions the IRS penalties regarding failure to take RMD before XX/XX/XXXX. 

I have pursued this matter in emails and phone calls with the registered representative without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank closed my account after 56 days due to a reported negative balance of {$4.00}. I was never notified that my account was negative or that it was at risk of closure. Because there is no local branch near me, my account usage decreased, but at no point did the bank send any warning or alert regarding the negative balance or closure timeline. 

On XX/XX/XXXX, I deposited {$50.00} into the account, unaware that the account was scheduled for closure. The deposit posted, but the account was immediately restricted. Over the next three days, I contacted customer service repeatedly and received inconsistent and incorrect information from nine different representatives, including management. 

Ultimately, I was escalated to the highest support level and instructed to link an external account so the remaining funds could be transferred to me. Instead of transferring the funds from the restricted account to me, the bank system withdrew money from my external account, even though the restricted account does not allow withdrawals or any functions other than deposits. 

As a result, I can not access the original {$50.00} deposit, nor the additional funds that were improperly pulled from my external account. The bank has provided no resolution and continues to give inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because my credit file contains multiple inaccurate addresses and several accounts reported with incorrect, unverified information. These errors violate the FCRA requirements for maximum possible accuracy and proper verification. I already disputed these items, yet they remain on my report without any supporting documents. I am requesting CFPB involvement because these failures have damaged my credit and denied me fair access to financial opportunities. 

ADDRESSES XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX This address does not belong to me and was never associated with my residency, identity, or any lawful credit transaction. Under 15 USC 1681e ( b ), a credit bureau must maintain maximum possible accuracy. Retaining an address that can not be verified violates this requirement because it attaches unrelated activity to my file. 

XXXX XXXX XXXX, TX XXXX I have never lived at or used this address for any application or account. Keeping a non-verifiable address creates the appearance of unauthorized activity and violates 15 USC 1681b because no permissible purpose exists to link this location to my file. 

ACCOUNTS XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge-off Balance : {$410.00} XXXX XXXX I have no knowledge of this account and never opened it. A charge-off reported without a legitimate consumer relationship violates 15 USC 1681e ( b ) because unverifiable accounts destroy accuracy, and under 15 USC 1681i you must delete any account that can not be validated through proper investigation. 

XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Late Payment Balance : {$100000.00} XXXX XXXX  The late-payment history reported is false because I have never been late on this account at any time. Reporting delinquency without proof violates 15 USC 1681e ( b ) and you can not retain late-payment information that fails verification. 

XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Collection Balance : {$120.00} XXXX XXXX  I have no knowledge of this collection account and never had any contract or obligation with this company. Reporting a collection without proof violates 15 USC 1681b due to lack of permissible purpose and must be deleted under 1681i because an unverifiable debt can not remain. 

These items remain on my report without proper verification, causing financial harm and preventing fair access to credit. I am requesting immediate CFPB action to enforce corrections or removals and ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I was playing games online where I was winning money and I was depositing the money into my citizen bank account. It takes a minute for the money to deposit. Every time the money would drop citizen was taking the money from my account for overdraft fees because the money wasn't depositing fast enough. So because of this my account was over drafted and then was closed. They kept saying it was because of insufficient funds. It was not citizen was taking my deposits before they could even post and charging me overdraft fees. They owe me over XXXX XXXX  in money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I am a Massachusetts consumer with an auto loan through TD Bank. My vehicle was repossessed after I fell behind approximately four months due to a temporary financial hardship involving a divorce and being in between permanent housing. 

Since the repossession, I have made multiple attempts to contact TD Bank to reinstate the loan in good faith. Massachusetts law ( including Massachusetts General Laws Chapter 255B and related Right-to-Cure requirements ) provides consumers the opportunity to cure a default, redeem a vehicle, or attempt reinstatement before an auction occurs. 

However, TD Bank has repeatedly refused to provide any lawful opportunity to cure or to review my reinstatement request.

Company response to consumer: Closed with explanation