vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally dispute the Negative items & remove late payments reported & request an update of my account status to reflect a positive payment history. According to the Fair Credit Reporting Act ( 15 USC 1681a ), I have the right to dispute inaccurate information in my credit report. Additionally, under 15 USC 1666b regarding the timing of payments, it is clear that I have never made a late payment on my account. My records indicate that all payments have been made promptly and within the required timeframes. Furthermore, 15 USC 6802 emphasizes the importance of maintaining accurate records and protecting consumer information. The erroneous late payment notation not only misrepresents my creditworthiness but also violates these regulations. Given this context, I kindly request that you review my account history and correct any inaccuracies related to late payments. I appreciate your attention to this matter and look forward to your prompt response confirming the update of my account status. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MS

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-21 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-21 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2025, Citibank reduced the limit on my Citi business card ending in XXXX from {$16000.00} to {$2000.00}. My account balance at the time was {$1900.00}, leaving me only {$56.00} in available credit. 

I have never missed a payment with Citibank, and my account has always been in good standing. The adverse action notice I received stated that XXXX data was the basis for this decision. However, Citibanks reduction itself inflated my utilization ratio to nearly 100 %, worsening the very factor they cited. This is an unfair and self-defeating practice often referred to as balance-chasing.

Harm / Impact Loss of {$14000.00} in available credit overnight.

Near-maxed utilization caused an immediate credit score drop. 

Triggered cascading credit limit decreases from other lenders who monitor utilization. 

Caused reputational and financial harm despite my flawless payment history with Citi. 

Requested Resolution Restoration of my prior {$16000.00} credit limit. 

Correction of tradeline reporting with XXXX and all other credit bureaus. 

Written assurance that Citibank will not engage in further retaliatory or balance-chasing reductions on this account. 

Consideration of monetary compensation for damages caused by the reduction and its cascading impact.

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 2025-09-21 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: Bilt Technologies, Inc.
State: IL

Complaint narrative:
I was charged {$60.00} per month by Bilt Rewards for a rent rewards program connected to an apartment I vacated in XXXX. I only discovered recently that the charges had continued without my knowledge. I canceled the program on [ insert cancellation date ], but by then I had been charged for many months when I was no longer eligible. 

Details : I moved out of the apartment linked to the Bilt account in XXXX. 

I can provide proof of my residence elsewhere, including a PadSplit move-in agreement ( dated [ insert month/year ] ) and my drivers license with a new address issued in [ insert month/year ]. 

Despite not living at the property since XXXX, Bilt continued billing me $ 60 monthly. 

I requested a refund from Bilt and provided supporting documentation, but the company has not resolved my issue. 

Resolution Sought : I am requesting a refund of all charges billed to me after my move-out date in XXXX or at a minimum, for the last XXXX months of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Complaint Regarding Affirm / XXXX XXXX XXXX I purchased a XXXX set from XXXX XXXX, financed through Affirm. The product arrived damaged at delivery. On the day of XX/XX/2025, delivery, I immediately emailed XXXX XXXX with photos of the damage. They never responded to my email, nor to multiple follow-up phone calls ( only voicemail, no return calls ). I then contacted Affirm to open a dispute. I submitted the photos of the damaged product and proof that I had contacted the merchant with no response. Affirm denied the dispute, stating that based on information provided by the merchant, they were siding with the merchant. When I asked Affirm to provide that information, they refused and told me I would have to obtain it directly from the merchant. The merchant ( XXXX XXXX ) still refuses to return calls or emails. I have now opened XXXX separate disputes with Affirm, each time submitting the same evidence ( photos of damage, proof of contact attempts, emails ). Each time, Affirm denies the dispute with the same explanation : that they lack sufficient evidence or that the merchant claimed otherwise. Affirm refuses to provide transparency, continues to hold me responsible for payment, and is now threatening to negatively report my account to the credit bureaus if I do not pay. This is unacceptable. I did not receive merchandise in usable condition. I have fulfilled my responsibility to document and report the issue. The merchant has ignored me entirely. Affirm has denied my dispute multiple times without explanation or transparency, which violates my rights under the Fair Credit Billing Act. Resolution I am seeking : - Cancellation of this Affirm loan, disputed amount {$280.00}, remaining balance {$210.00} ). 
- Written confirmation of a XXXX balance. 
- Assurance that no negative credit reporting will occur related to this account. 
- Removal of any existing negative reporting if it has already been placed. 
Supporting Evidence I can provide : - Photos of the XXXX set damaged at delivery. 
- Copy of my original email to XXXX XXXX ( sent on delivery date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XX/XX/XXXX Balance : {$5000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am disputing inaccurate and unverifiable information on my credit report. 
Account Being Disputed : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Status : Charge Off Reported Balance : {$0.00} Charge Off Amount : {$10000.00} Basis for Dispute : 1. Verification Required Under 15 U.S.C. 1681i : I dispute the accuracy and completeness of this account. Under the FCRA, you must verify that : o The charge-off amount of {$10000.00} is accurate o The dates reported ( Date of First Delinquency : XX/XX/year> ; Date Closed : XX/XX/year> ) are correct o The account was properly transferred/sold as indicated by the " Transfer/Sold '' activity designator o All reporting complies with the requirements of 15 U.S.C. 1681s-2 2. Potential Reporting Violations : The account shows it was " Transferred or Sold '' yet continues to report on my credit file. Under the FCRA, when a debt is sold or transferred, the original creditor must update the account to reflect a XXXX balance and note the transfer. I request verification that : o The current reporting accurately reflects the post-transfer status o No duplicate reporting exists with a debt buyer o The furnisher is authorized to continue reporting this tradeline 3. Accuracy of Charge-Off Amount : Per 15 U.S.C. 1681e ( b ), you must maintain reasonable procedures to assure maximum possible accuracy. I request documentation proving : o The {$10000.00} charge-off amount is correct o All payments and credits were properly applied before charge-off o The account balance calculations comply with the original credit agreement 4. Statute of Limitations Consideration : This account first became delinquent in XX/XX/year>. I request verification that all reporting complies with applicable time limits under 15 U.S.C. 1681c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Issue : Credit reporting of unverified debt / harassment / failure to cease communication Company : Midland Credit Management , Inc. and Credit Reporting Agencies XXXX XXXX XXXX XXXX ) Details : I am disputing an account reported by Midland Credit Management ( MCM ), Account No. XXXX, on my credit reports with XXXX XXXX  and XXXX. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) by sending two written debt validation requests to MCM.

MCM failed to provide proper validation. Instead, they sent me a single document from the original creditor, which did not show : Proof of purchase or assignment of the alleged debt, Any contract or agreement authorizing MCM to collect, Any documentation where I gave permission for MCM to purchase or assume this debt, An itemization of how the alleged balance was calculated.

This does not constitute legal validation. Despite this, MCM continues to report this account to all three credit bureaus. The credit bureaus have refused to remove the account and continue reporting it even though the information remains unverified, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

In addition, I specifically instructed MCM in writing not to contact me by phone and to only communicate in writing. Despite this, they have continued to call me repeatedly. This is harassment and a violation of FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ).

Their ongoing reporting, improper communication, and collection efforts regarding Account No. XXXX have caused me emotional distress, reputational harm, and difficulty obtaining credit. 

Resolution Sought : Immediate deletion of the Midland Credit Management account ( Acct. No. XXXX ) from all three major credit bureau reports ( XXXX, XXXX, and XXXX  ). 

Requirement that MCM provide complete and proper validation before reporting or collecting on this account again. 

Requirement that MCM be permanently barred from selling, transferring, or assigning this account to any third party. 

Enforcement action against both MCM and the credit bureaus for failure to comply with the FDCPA and FCRA. 

Compensation for statutory and actual damages resulting from these violations, including harassment by repeated phone calls after a written cease-communication request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a email that my newly credit card was on the way. I reached out to PayPal because I did not request a credit card. They told me I was randomly selected to receive a credit that I did not order or want. I said I dont want the card so I am not activating it and was told that my online credit account Ive had for years will be closed. I do not want a physical credit card nor did I request it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had XXXX business grant and american has an unauthorized third party manager my account because I was special delivery card sent to me I 3 days with the balance of XXXX and once I signed for the card I was excited and it didn't work so I called the number and they said try it again it should work but it didn't work so I called back the teller said he don't know why it didn't work so he put security on the phone and they told me my card has been canceled. XX/XX/XXXXXXXX is my grantor and they said there is a unauthorized 3rd party on my account. And American express is allowing my business card to be compromised. Because once the bank gave me the card with the XXXX balance and I signed for it no one can take it back from me it was given to me and the bank can't take it back because it was in my hands first because I signed for the card and I have the rights to use it but they canceled and gave back to an unauthorized third person I want my card I had it first

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XX/XX/2025, Synchrony Bank ( CareCredit ) posted XXXX payments to my account, then reversed them, and charged a Returned Check Fee + late fees. Synchrony claims my bank rejected the payments. However, my bank confirms no payment attempts were ever received, so no rejection occurred. 

Other payments from the same bank account cleared with no issue, proving my account information was valid. Synchronys own records show the payments posted then reversed, which only happens if they processed them. Synchrony also failed to log XXXX charge attempts at a providers office. 

I disputed these charges via live chat. The supervisor repeatedly blamed my bank despite my evidence, then closed the chat unresolved. XXXX late fee was refunded ( acknowledging error ), yet others remain. 

Requested resolution : Remove the Returned Check Fee and related late fees, ensure no negative credit reporting, and correct Synchronys payment processing failures.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This issue started about a year ago when I began having issues transferring my Capital One miles to my XXXX XXXX account. When I opened the Capital One XXXX card ( around XX/XX/XXXX ), I initially had no issue transferring my miles. It worked flawlessly. About 6 months in, I began having issues and I would keep receiving an error that my name did not match the name on my XXXX XXXX account. This went on for about a year. I had multiple conversations with agents including assistance from someone in the CEO 's office. We even held 3 way calls with XXXX to figure out the issue. Mind you, my name or information NEVER changed with either company. A few months ago, around XX/XX/XXXX, I noticed that transfers between Capital One and XXXX would be unavailable due to system maintenance. It would be down for about 2 weeks, if I remember correctly. After the system maintenance was completed, I was able to successfully transfer my miles again! I transferred XXXX miles on XX/XX/XXXX ; XXXX miles again in XX/XX/XXXX ; and another XXXX miles on XX/XX/XXXX. On XX/XX/XXXX, I attempted to transfer XXXX miles to my XXXX XXXX account and again, I hit the name mismatch error. I immediately called Capital One and emailed the CEO 's office again to let them know that I was running into the same issue. A customer service agent called me back and told me to attempt the transfer again in a few hours to allow the system to resolve any current issues. I have attempted to transfer my miles a total of 13x since then and it's still failing. I am unable to utilize one of the main benefits and reasons I chose to apply for this card. Please help me to get Capital One to take this issue seriously and resolve this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their their advertised promises.

Company response to consumer: Closed with explanation