vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
On Thursday, XX/XX/XXXX XXXX at approx. XXXXXXXX XXXX  I called Capital one due to a letter stating that I was enrolled into a internal debt management program ( XXXX XXXX ) and it had been approved. I had previously enrolled into a program through an outside debt consolidation program ( XXXX XXXX XXXX ) to help correct my overall debt. I called XXXX and explained the issue and realized the mistake correcting it on their end ( they stated I would receive a letter of confirmation soon ). I then called capital one and informed them of the mistake, and was told by a representative that as long as I make a payment by XX/XX/2025 the debt management program would be cancelled and the account would remain open. As of XX/XX/2025 I paid off the remained of my account at XXXXXXXX XXXX  ( immediately after hanging up with capital one customer service ) and had confirmation as of XX/XX/2025 at XXXXXXXX XXXX  that my account was paid and still open. As of XX/XX/2025 at XXXXXXXX XXXX ( due to me XXXX XXXX  that's when i woke up. ) I checked the Capital one credit app to see my account has been closed ( restricted ). I called customer service where I was told it can not be reopened because the program had already been approved and account was closed. I escalated this problem through their management and was told nothing could be done. I stated ( in a calm manner ) that I had been lied to and my account has been in good standing with them. ( I have spoken with 2 customer service agents and one supervisor, and I remained calm and courteous the entire time ). In the end all they could offer was to have a " Note '' put in to have the workout program removed from this account, but account would still remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX  sent me a written settlement offer that required I MUST CALL to accept. No written alternative was provided. I am XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am unable to communicate by phone due to my XXXX. This letter excluded me from accessing the settlement process and violated my rights under the Americans with Disabilities Act ( ADA ).

In response, I sent three certified letters to XXXXXXXX XXXXk on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Each letter : Requested a reasonable accommodation under Title III of the ADA ( written-only communication ) Formally disputed the debt Included a written settlement offer Synchrony failed to respond to any of these communications. 

On XX/XX/year>, in addition to my third letter, I submitted a formal credit dispute to XXXX  under the Fair Credit Reporting Act ( FCRA ). XXXX again failed to respond. 

I filed CFPB Complaint # XXXX against XXXX XXXX outlining these violations. Despite this, on XX/XX/year>, I received a new collection letter from Aldridge Pite Haan LLP, attempting to collect the same disputed debt.

The Aldridge letter : Did not include a validation notice as required under 15 U.S.C. 1692g Ignored my documented XXXX and prior ADA requests Made no mention of the open CFPB complaint Was sent while my FCRA dispute remained unresolved ( 15 U.S.C. 1681s-2 ( b ) ) These actions violate multiple federal and state laws : Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692c ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) Americans with Disabilities Act ( 42 U.S.C. 12182 ) Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I reached out to Honda Finance about a fee I see. They advised it was toll charges. I have a toll tag account and refill my account online. Honda Auto Finance says to email them proof. I sent in my Statements in XX/XX/year>, toll tag ID, transactions during the months they said it was being charged for. I heard nothing, so I called back they said it was the reps email and to send my proof to a different email who handles it. I forward everything over. One lady did reach out and said a lot of customers have been having the same issue and she will escalate it to her team and follow up. In the meantime, she provided me XXXXXXXX XXXX email to send my proof to. Never heard from XXXX XXXX  every time I called it went straight to voicemail which is odd to be a business and couldnt leave a message. The rep who provide their number called and said they looking into it but it never got resolved. 

Fast forward to XXXX, I called in and explain everything they see all the emails I sent and my proof but says they had too many issues with XXXX XXXX and ended their partnership because it wasnt working out. A lot of customers like myself with a toll authority account was complaining about them saying they paid our toll bill but cant provide us dates, invoices or anything just a balance. I have questioned Honda and even put them on a 3way call with Texas XXXX XXXX and the rep stated to Honda Finance I dont have a balance and the dates the rep provided I was charged for on XXXX XXXX XXXX She would need an invoice from them to pass anything off to me that I owe. The rep was not able ti provide anything because XXXX XXXX didnt provide them with any invoices. How can a company not provide confirmation or an invoice for what they paid for. Who volunteers to pay for toll accounts but theres no proof of where it came from other than dates. This situation has been weird and they refuse to remove that charge off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX XXXXXXXX Account number XXXX Inconsistencies among TransUnion, Experian, and Equifax in regard to the following : Account status derogatory vs paid Date opened XX/XX/22 vs XX/XX/22 Balance {$990.00} vs {$0.00} High credit and Credit limits varies Past due {$990.00} vs {$0.00} Payment status collections vs unknown I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Tesla, Inc.
State: NC

Complaint narrative:
I purchased a Tesla XXXX XXXX XX/XX/XXXX and began experiencing serious mechanical issues shortly after delivery. These included multiple flat tires, alignment problems, and poor handling all under normal driving conditions. Despite my attempts to get help from Tesla service, the problems continued and were not resolved in a meaningful way. Due to the vehicle being unreliable, unsafe, and Teslas failure to address the issues, I chose to withhold payment in protest of being sold a defective vehicle. As a result, Tesla repossessed the car on XX/XX/XXXX. I attempted to escalate the situation through Teslas support channels, requesting either a replacement vehicle or fair resolution, but they denied responsibility and stated that Im still responsible for the remaining loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid off a XXXX account ( now owned by Capital One ) through a third-party collection agency ( XXXX XXXX XXXX XXXX and it now shows a {$0.00} balance. I have sent multiple goodwill deletion requests by mail and email, and have not received any reply. This is not a dispute of accuracy. Im asking that the tradeline be reviewed for potential removal as a one-time goodwill courtesy so I can finalize mortgage pre-approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App ( Block , Inc. ) has locked my verified account without cause, and is withholding my funds without providing an explanation, resolution timeline, or escalation option. I am now at risk of being stranded internationally without access to my money. 

In preparation for an upcoming trip to XXXX, I responsibly updated my Cash App account with a new phone number and new email address ( due to XXXX account issues ). I verified all details : New and old email addresses New and old phone numbers Full legal name and physical address Bank account and routing number Shortly after making these changes, my account was locked. I was informed vaguely that this was due to " suspicious activity, '' yet I was never provided with a clear reason, nor given any opportunity to dispute or review the issue. Despite confirming all of my information and identity, Cash App continues to withhold my funds and access to the account. 

I have contacted support multiple times. They state that my case is under investigation, but refuse to provide a timeline, cause, or escalation path. Their refusal to resolve this issue even after verifying my identity leaves me with no access to my funds as I prepare to leave the country, putting me at risk of being stranded abroad without money for basic needs like food, transportation, or lodging. 

I am requesting that the CFPB : 1. Compel Cash App to immediately unlock my account or release my verified funds. 


2. Investigate whether this kind of account lock after full verification is lawful or violates digital financial service regulations. 


3. Enforce greater transparency and responsiveness from Cash App when a verified user is left financially stranded or vulnerable due to unexplained account restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
i've recently received a copy of my credit report notice several inaccuracies and unauthorized accounts information reporting to my credit report. these remarks have been detrimental to my life health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
i've recently received a copy of my credit report notice several inaccuracies and unauthorized accounts information reporting to my credit report. these remarks have been detrimental to my life health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I pulled my credit report recently and noticed TD Bank is falsely reporting an outstanding balance of {$9600.00} being reported on an alleged product either a credit card or some other product ( bearing account no. XXXX as reflected in my credit report ) that has a limit of {$9500.00} resulting in a 101 % utilization rate. The account is incorrectly marked as " open ''. This account has been closed with a XXXX balance for years. This is a serious factual inaccuracy and the account is closed carrying no debt. This erroneous reporting is causing significant and unjustified damage to my personal credit profile and score. 

Additionally, I recently discovered that TD Bank is improperly reporting my business credit card ( XXXX XXXX. XXXX ) on my personal credit reportfurther inflating my personal utilization ratio and compounding the damage to my score. These reporting errors are not isolated ; together, they reflect a pattern of careless or improper conduct that undermines the integrity of the credit reporting system. 

As a long-time TD Bank customer with over 20 years of spotless history, I am appalled by the substantial reputational and financial harm the inaccurate reporting is inflicting. This has impacted my ability to qualify for credit and refinance existing obligations, and has caused both distress and economic loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing multiple inaccurate personal identifiers being reported on my credit file. These include multiple outdated or incorrect addresses, several old phone numbers, ( I do not have a current number ) employers I no longer work for XXXX, multiple names ( XXXX XXXX XXXX ) and one incorrect Social Security number. Ending in XXXX I previously attempted to dispute these directly with Experian, Equifax, and TransUnion but they came back verified without providing any documentation or proper reinvestigation, which violates the Fair Credit Reporting Act ( FCRA ), including 602 ( a ), 607 ( b ), and 609 ( c ). I believe the verification was automated and did not involve a meaningful review. 

These inaccurate personal details do not belong on my file, and theyre contributing to account confusion, possible mixed file risks, and misreporting of credit activity. I am requesting a full removal of all obsolete, incorrect, or unverifiable personal information. 

I have attached a copy of my valid government-issued ID and proof of my current address. Please have this matter escalated to compliance and fully resolved according to 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 explanation
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : XXXX XXXX  XXXX XXXX XXXX {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$390.00} XXXX ( Original Creditor : XXXX XXXX ) Balance : {$2100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} I never done business with these creditors and disputes the accuracy and legitimacy of these accounts.These accounts have caused damage to my credit and are the direct result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : XXXX XXXX  XXXX XXXX XXXX {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$390.00} XXXX ( Original Creditor : XXXX XXXX ) Balance : {$2100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} I never done business with these creditors and disputes the accuracy and legitimacy of these accounts.These accounts have caused damage to my credit and are the direct result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: DC

Complaint narrative:
I financed a vehicle from Westlake financial services in XXXXXXXX XXXX XXXX with a monthly car payment of {$490.00} a month. XXXXXXXX XXXX XXXX I spoke to a Westlake representative and they offered to lower my monthly car payment to {$400.00} a month I was emailed a contract to sign I signed and emailed it back to Westlake. I was told for XX/XX/XXXX I would have to pay {$250.00}. Starting XXXX I would then forward pay the {$400.00} every month. XX/XX/XXXX I noticed that my bill did not reflect what I was told I have to pay. XX/XX/XXXX I called and spoke to a representative a supervisor by the name XXXX and she told me that she will work on the issue. 
She stated that she reached out to a manager that had corrected the issue. I then paid my XXXX payment. I noticed that I was still being billed a different amount from what Iwas told I have to pay. I noticed that they blocked my account so that I could not make any payments. XX/XX/XXXX they repossessed my vehicle and stated that I am 60 days past due. When All I owed was XX/XX/XXXX payment and I told them my account is blocked. As of XX/XX/XXXX. I have been trying to resolve this issue. I spoke to a representative that looked at my account and stated that I owe {$92.00} that's 61 days past due. I spoke to a supervisor XXXX ext XXXX explaining the issue. She said that she see the agreement yet she does not see it updated in the system. She said that she will reach out to the XXXX to see what is going on and will reach back out to me. This was at XXXX XX/XX/XXXX. I have not heard from XXXX since. I then call corporate and spoke to a supervisor XXXX who then told me he submitted the situation to a manager and he will give me a call on XXXX XXXXXX/XX/XXXX. I called on XX/XX/XXXX and was told that the account was in review and the office just opened. I waited XXXX hours and called back and a representative XXXX XXXX told me that supervisors are unavailable and that XXXX was not available because it's XXXX. I constantly asked to speak with a manager every time I called never was able to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

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