vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America has repeatedly obstructed my ability to access and use my own account and debit card, despite there being no restrictions or holds on either. Every time I attempt a transaction, I am forced to call customer serviceoften for hoursjust to approve basic usage. I have been told repeatedly by representatives that I could approve transactions through the mobile app, yet the app continues to redirect me to call support. 

This pattern has persisted for months, despite assurances on multiple calls ( some lasting over three hours ) that the issue would be resolved. These unjustified barriers have caused me over {$1000.00} in fees and extra expenses, including overdraft charges, missed payments, and inflated costs from delayed transactions.

Worse, the resulting account closures have led to severe financial instability, including the loss of transportation, loss of housing, and disruption to my basic livelihood.

I believe this violates both Tennessee consumer protection law ( TCPA and House Bill 2100 ) and federal fair access regulations, which prohibit financial institutions from denying or obstructing services without clear justification.

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 2025-11-05 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I was told my credit card for synchrony bank was paid and then I received numerous charges

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: IN

Complaint narrative:
I do not recognize this inquiry it is unrecognizable and unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: WI

Complaint narrative:
I have received nine phone calls from Sallie Mae in three days. Seven in seven is the limit as far as I know, and four have occurred today alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX reported on XXXX XXXX, XXXX late payments when this account is paid off in full. this is affecting my credit in a negative way. 

XXXX reported to my credit on XX/XX/XXXX, XXXX this is not my account. Ive never done business with them. 

XXXX XXXX reported. a missed payment on XXXX, XXXX, XXXX and this account is closed and paid in full. 

15 U.S. Code 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), outlines regulations for communication with consumers during debt collection. It prohibits debt collectors from communicating with consumers at inconvenient times or places, with a represented consumer 's attorney, or at their place of employment if the employer forbids it. A key provision is that a debt collector must cease all further communication if the consumer notifies them in writing to stop, with limited exceptions.

reporting this to my credit is a form of communitication. im requesting that this discrepancy 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 non-monetary relief
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
I never gave anyone permission yo pull my credit report I never had /got a car from them the credit pull was unauthorized and unrecognized

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 2025-11-05 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A charged-off account that had previously been deleted from my credit report has been reinserted without proper notice or verification. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to notify me within five business days after reinserting any previously deleted information. I did not receive any such notice. This reinsertion has negatively affected my credit score and caused confusion regarding the status and validity of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
My, Name, Phone number and information. 
XXXX XXXX XXXX, XXXX, Email - XXXX XXXX ). Experian : I've been working with and spent over 3 years cleaning up and getting over 70 inquiries, 7-10 Accounts and 15 names 10 addresses that were fraudulent on my Experian account. And now even though they know all these accounts and companies they took off after a lot of work, were identity theft and fraud, they keep letting these thieves ( debt buyers ) Resell my information and republish it on my account. That's a criminal action causing me to lose my business funding or future bank loans car loans etc and I'm in the process of suing Experian for mishandling and deceptive Business practices, selling my information and getting Hacked numerous times with me not receiving any compensation or anything because of their gross misconduct. Keeping my score so low on purpose so I have to spend thousands more if I even am able to get accepted at all. I know under fCRA and FDCPA rights and procedures I am due $ XXXX {$5000.00} each violation due to the severity of the constant assault and theft of my identity and Life. I am demanding a XXXX XXXX payment and show of compassion from Experian for at least $ XXXX for this past 3 years of XXXX. And 50 violations of the FCRA. 
Take off these fraudulent collections accounts immediately. And update my account. 
1 ). XXXX XXXX XXXX {$240.00} 2 ). XXXX XXXX XXXX XXXX. {$840.00} 3 ). XXXX XXXX XXXX XXXX {$3800.00} THESE ARE ALL FRAUD AND WILL BE PURSUED AND HELD LIABLE TO THE HIGHEST EXTENT OF 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is a follow up to complaint XXXX Discovers response was not acceptable. 
Discover misclassified this as a mere quality of goods dispute and told me to work with the merchant, who refused to accept a return or issue a refund. I did not receive authentic merchandise : counterfeit goods are the same as non-receipt of goods/services I provided professional authentication showing the items are fake. I did not receive authentic merchandise : counterfeit goods are the same as non-receipt of goods/services. I provided professional authentication showing the items are fake. 
Discovers deposit account agreement incorporates Reg E error-resolution duties, including investigation and provisional credit timelines. If Discover believes this is not a reg E error then it must still follow section 25 ( a ) of its agreement and use debit network chargeback rights. Debit networks ( including pulse ) support dispute codes for quality/not as described and non-receipt of goods/services, which apply here. Discover instead of declined to act and deferred to the merchant, despite proof of fraud and merchant refusal to cooperate.

I request RCFPBR require required Discover to : ( 1 ) Document whether a reg E investigation was opened and whether provisional credit timelines were followed ; and ( 2 ) if Discover claims this is not a Reg E error, then process the appropriate debit network charge back under its section 25 ( a ) obligations using the authentication evidence and merchant refusal logs I provided.

Counterfeit goods are not the goods contracted for, and Discover has both reg E obligations and network dispute tools. I am requesting enforcement of those obligations and recovery of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: OH

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/year> -- {$0.00} INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : DEPT OF EDUCATION/XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  Account # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: DE

Complaint narrative:
Capital One has kept me from gaining access to my account for months. I gave them all the information to verify my account and new phone number. They told me on several occasions they will send a 6 digit code to verify my account and they dont send it, they tell me that unfortunately they cant send it.. I ask them to send the code to my email XXXX they tell me that's not the correct address that they're are numbers after the word coast on my email. I tell them they're are NO numbers and never has been on my email on.eastcoast and I don't understand why they keep harassing me over getting into my account to pay my bill. I have noticed everyone I call Capital one to check my balance it's always extremely higher after each and every payment considering I don't and haven't used it in a long time. I believe they are fraudulently restricting customers access to their own accounts so we cant see exactly what they are doing with the numbers. Like I mentioned a class action lawsuit of XXXX XXXX is more then likely the reason why customers cant access their own capital one accounts. I don't put nothing past any companies when it comes to money and capital one is no exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: OH

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/year> -- {$0.00} INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
I am a veteran selling my home through a VA loan assumption serviced by Movement Mortgage ( XXXX ). The buyers are non-veterans assuming my existing VA loan, and Movement has had the complete file since XX/XX/year>. Our closing date is XX/XX/year>, giving the lender four full weeks to process the assumption and close on time. 
As of XX/XX/XXXX, my file still had not been assigned to underwriting. Movement refuses to give any timeline or update. When I first reached out, they said the assumption process can take 90120 days depending on how quickly documents are provided. That timeframe is unreasonable and incompatible with any normal home-sale contract. Allowing such delays effectively denies veterans the ability to sell their homes through VA assumptions.

Movement and XXXX also wrote that sales contracts and veterans are prioritized, which has not been the case. On XX/XX/XXXX, nearly three weeks after full file submission, XXXX confirmed : An underwriter has not been assigned to this file and Im unable to provide any confirmation on approval or qualification. A closing date can not be guaranteed or scheduled until underwriting is complete While we are moving as quickly as we can, we can not provide an estimated timeframe for completion.

By that date, our furniture was gone, our children were transferring schools, and our new home closing depended on this one. If Movement does not close on time, we will lose our {$7500.00} new-home deposit and the buyers will lose {$4000.00} earnest money because their finance contingency expired. Every other partybuyers, realtors, and attorneyshas performed their duties. This delay is entirely due to Movement Mortgages inaction and lack of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed all my accounts, including my checking account and my credit card access, without giving me any explanation. I was not notified before the closure. 

About a month ago, the bank contacted me and said I needed to update my identification documents. I called Bank of America, they sent me a link, and I successfully uploaded my updated ID through the link they provided, including my XXXX legal residency valid until XXXX. 

Despite this, the bank closed my account. When I called customer service, they told me the accounts were closed, but they could not provide any reason or solution. No one at the bank could help me. 

I had approximately {$6000.00} in my account at the time of closure. I have not been given confirmation of when or how those funds will be returned to me. I also lost access to my Bank of America credit card, even though I still owe a balance and need to be able to manage my payments. 

I am requesting a clear explanation of why my account was closed after I provided the required documents, confirmation of when my funds will be released, guidance on how to pay my credit card, and verification if this closure was due to a document verification error and if I can submit documents again for reconsideration.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Capital Ones method of calculating interest on my XXXX XXXX XXXX  account. Over multiple billing cycles, I have noticed that interest charges are being assessed based on an Average Daily Balance that exceeds the actual balance I maintaindespite making substantial payments, including on the final day of the billing cycle. 
For example, in the billing cycle from XX/XX/XXXX to XX/XX/year> : - I made payments totaling {$450.00} - My ending balance was {$620.00} - Yet I was charged {$24.00} in interest, which suggests the calculation was based on a higher average balance than what I actually owed after my payments This practice feels abusive and misleading. It penalizes consumers who make timely payments and undermines efforts to reduce debt. I am requesting a full review of my account, including prior billing cycles, to determine whether paymentsespecially those made on the cycles closing datewere properly factored into the interest calculation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XXXX XX/XX/year> Capital One Bank ( XXXX XXXX XXXX XXXX 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Cease and Desist Cancellation of XXXX XXXX XXXX Account Ending in XXXX XXXX Dear Capital One, I am writing to formally request the immediate cancellation of the XXXX  XXXX  XXXX associated with my Capital One credit card account ending in XXXX. 

I do not wish to be enrolled in this program and have not used, requested, or authorized any services related to it. Please ensure that : 1. My account is removed from the XXXX XXXX XXXX effective immediately. 
2. No further charges related to this program appear on my account.

3. Any recent fees or charges associated with this program are reversed or refunded.

This letter also serves as a cease and desist notice for any future enrollments, solicitations, or charges for similar optional protection programs without my express written consent.

Please confirm in writing within 30 days that my enrollment has been canceled and that my account reflects this change.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DC

Complaint narrative:
There is a fraudulent account from XXXX XXXX XXXX XXXX XXXX my credit report. This is not my debt. I do not have any collections on my credit. I am a victim of identity theft and have an Identity Theft Report that I can provide to support this. Please see attached. I request to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$17000.00}

Company response to consumer: Closed with explanation