vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
I have been attempting to resolve an ongoing issue involving my Venture X Business and XXXX accounts with Capital One Bank. The bank closed my accounts without providing the legally required notice period, which prevented me from resolving and accessing my funds within the timeframe established under XXXX York law. 

As a XXXXXXXX XXXX  XXXX customer, I believe Capital Ones actions violate XXXXXXXX XXXX Banking XXXX XXXX XXXX ( XXXX, XXXX ), which requires all banksincluding out-of-state institutions operating within XXXX XXXXXXXXto provide 60 days written notice and a reason before closing any account. 
In this case, Capital One is headquartered in Virginia, but maintains operations and customer accounts in XXXX XXXX, making this law applicable. The banks unilateral closure of my accounts without adequate notice deprived me of the opportunity to manage my funds in compliance with XXXX XXXX mandated period. 
Additionally, under XXXX York XXXX XXXX XXXX XXXX ( XXXX ), consumers are entitled to 90 days to redeem accumulated rewards after account closure. At the time of closure, I had a balance of XXXX XXXX XXXX miles ( approximately {$830.00} value ). I also paid an annual fee of {$390.00} ( XX/XX/XXXX ), which remains partially unused. 
I had automatic payments established on the XXXX account to ensure all payments were current, and I continue to maintain debit accounts and direct deposits with Capital One. These facts demonstrate that I had no intention of closing my accounts or discontinuing business with the bank. 
Capital Ones own customer agreement explicitly states that an account may be closed without notice unless the law says that we must give you notice. In this situationXXXX XXXX XXXX  law clearly requires such notice and applicable redemption rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
Visited XXXX XXXX XXXX # XXXX on XX/XX/XXXX for Moneygram XXXX bill pay service, and provided all details to send payment along with {$2100.00} cash for transfer amount. The associated fee cost to send the money was charged to be debit card, {$8.00} total. * * The fees are my receipt are different than the {$8.00} that was charged to my XXXX debit card ending XXXXXXXX XXXX XXXX  On review, the receipt that was provided me did not indicate Moneygram wire, and the fees charged looked odd. The payment date showed payment will be made on XX/XX/XXXX and when I questioned this I was told their " Moneygram XXXX is next day and it was nothing they could do about it. I also didn't receive any Moneygram paperwork. I asked merchant to reverse this payment, refund my money or process my requested moneygram XXXX and was denied. When I called Moneygram, I discovered that reference # provided is not valid for their company and on XX/XX/XXXX, merchant regional manager XXXX XXXX XXXX advised the payment was not done through Moneygram as requested and I just needed to wait for payment to post. The vendor mishandled and misappropriated my funds without authorization, consent or knowledge leaving me with unexpected late fees and associated delays with their unverified payment methods and refused to do anything to remedy or correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I am documenting events for me and my husbands protection of our funds and account. On Friday XX/XX/year> me and my husband XXXX went to met with management to have a block removed from our account due to me logging in using his username on my device. I was using his sign in information because I was not aware that the joint account would show on when I signed on the account I had already opened. Management called fraud department, explained situation and proceeded to have hold removed. The hold remains on the account and management states the reason is because the actually cash is not in Old National Banks vault but the check already cleared. Initially we were told it would only take 9 days to clear and on the XXXX date I viewed the account and the hold was cleared. But we still do not have access to our funds. This is a serious issue be bills were paid using direct debit from this account. We are unable to purchase our home, pay or bills or spend our money as we please and this is a serious problem.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
My Apple account was hacked and somebody put my Apple ID in there XXXX device which could use my wallet and linked cards where the Apple credit card was used on XXXX XXXX at a few different store totaling up to almost XXXX dollars I have made a police report and nothing has happen I have called the bank but they are telling me charges where authorized because they had my Apple information but I was hacked I have police report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
I demand that you delete the Aldous & Associates collection tradeline ( account # XXXX ) from my XXXX credit file in its entirety within 15 days. This collection is patently false and violates my rights under the Fair Credit Reporting Act Sections 607, 611, 616, 617, and 623, which require maximum possible accuracy, reinvestigation of disputes, and correction or deletion of unverifiable data. Failure to remove this tradeline within the required timeframe will result in formal enforcement actions with the CFPB, FTC, and my state Attorney General, as well as private legal claims for statutory and actual damages under FCRA Sections 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted U.S. Bank to inquire about a {$40.00} service fee. I was informed that this fee was charged due to a stop payment request. However, I did not issue a check nor did I request a stop payment. I believe this fee was applied in error. I have an ongoing issue with XXXX XXXX, which is already documented in your system complaint # XXXX. XXXX have had been charging me for an extra line, After attempting for several months to resolve this directly with XXXX without success, I switched to another carrier. Following this, on XX/XX/2025, XXXX withdrew {$1400.00} from my account as a final bill. I disputed this charge with U.S. Bank, and after an investigation, I received a letter confirming that the dispute was resolved in my favor and the amount was returned to my account on XX/XX/2025. XXXX sent me to collections for a couple of days on XX/XX/2025, XXXX withdrew the same amount again. I immediately contacted the bank and reminded them that I had switched carriers and had already informed the bank of this ongoing issue. I had asked that XXXX not be allowed to withdraw these funds again. This was not a stop payment request but a request for protection of my account from unauthorized withdrawals. 
I informed them previously of the problem and told them i switched carries. I did ask them not allowing XXXX to withdraw the money again but that is not a stop payment. I called US bank. A person from a US Bank complaint department called me and said they will ask the branch to see if they WANT to reimburse my account. 
During my review of the account transactions, I also discovered that a check was deducted twice. The first transaction is correctly listed as Check # XXXX. The second deduction shows as Check # XXXX, but upon review, it is the same checksame amount, same payee, and same description. It appears the check number was truncated or misrecorded, resulting in a duplicate withdrawal for the same payment. I intend to file a separate complaint regarding this issue as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to substantiate my claim.

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 2025-11-04 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: PA

Complaint narrative:
The credit reporting agencies continue to report several inaccurate, unverifiable, and misleading accounts that have already been disputed multiple times. Despite prior written requests for validation, the furnishers and bureaus failed to provide lawful proof such as original signed agreements, accurate payment histories, or proper documentation confirming the validity of the alleged debts. Several accounts, including charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and multiple collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain on the report without verification. These accounts show inconsistent balances, re-aged dates, and duplicated reporting across bureaus, which violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 5 ). In addition, unauthorized hard inquiries from XXXX on XX/XX/2023, and XXXX XXXX XXXX XXXX XXXX XXXX, were recorded without permissible purpose under FCRA Section 604 ( a ). Repeated attempts to have these items validated or deleted have been ignored, resulting in continued inaccurate reporting and harm to the consumers credit profile.

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 2025-11-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit reporting agencies continue to report several inaccurate, unverifiable, and misleading accounts that have already been disputed multiple times. Despite prior written requests for validation, the furnishers and bureaus failed to provide lawful proof such as original signed agreements, accurate payment histories, or proper documentation confirming the validity of the alleged debts. Several accounts, including charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and multiple collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain on the report without verification. These accounts show inconsistent balances, re-aged dates, and duplicated reporting across bureaus, which violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 5 ). In addition, unauthorized hard inquiries from XXXX on XX/XX/2023, and XXXX XXXX XXXX XXXX XXXX XXXX, were recorded without permissible purpose under FCRA Section 604 ( a ). Repeated attempts to have these items validated or deleted have been ignored, resulting in continued inaccurate reporting and harm to the consumers credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX is furnishing systematically false and impossible account timeline data to all three major credit bureaus ( Equifax, XXXX XXXX XXXX ) in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( c ). 
Account Details : Account Number : XXXX XXXXXXXX Date Closed : XX/XX/XXXX Date of First Delinquency reported : XX/XX/XXXX ( XXXX months AFTER closure ) Last Payment Date reported : XX/XX/XXXX ( XXXX years AFTER closure ) The Violation : It is physically impossible for a consumer to become delinquent or make payments on an account AFTER it has been closed. This timeline appears identically across all three credit bureaus, proving XXXX XXXX XXXXXXXX is systematically furnishing false data. 
This constitutes : Fraudulent re-aging under FCRA 605 ( c ) Inaccurate furnishing under FCRA 623 ( a ) ( 1 ) ( A ) Willful noncompliance despite multiple disputes I have disputed this account multiple times with all three bureaus. Each time, XXXX XXXXXXXX XXXX " verified '' these impossible dates, demonstrating they are not conducting reasonable investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am sending to formally dispute several inaccurate items appearing on my credit report. These inaccuracies have caused confusion and misrepresentation of my credit profile. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these unverifiable and misleading items permanently deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-04 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: NC

Complaint narrative:
I am sending to formally dispute several inaccurate items appearing on my credit report. These inaccuracies have caused confusion and misrepresentation of my credit profile. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these unverifiable and misleading items permanently deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 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:
Box 1 Explanation & Requested Action I am disputing the inaccurate late payment and delinquent status currently being reported on my accounts. These reports are incorrect, as my payment history and original agreements do not support them. I request that the status be changed to Paid as Agreed and that all delinquency notations be removed.

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 2025-11-04 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief