vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
- Opened new account on XX/XX/year> in response to their promotion to receive a {$200.00} bonus if you receive a XXXX  of {$400.00} - {$400.00} XXXX was credited on XX/XX/year> per the transaction details online - Bonus was supposed to be credited to the account within 5 business days per the terms of the promotion - No bonus was given - Called customer support on XX/XX/year> to ask them to credit the bonus but they did not do so - I have included screenshots that show the terms of the new account bonus promotion as well as my transaction history that show that I met the terms of the agreement

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 2025-08-29 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: NC

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed an unlimited service package for cosmetic laser and tattoo removal services through Cherry Technologies, a third-party lender, in partnership with XXXX XXXX XXXX XXXX 

After several payments, XXXX XXXX abruptly shut down operations and filed for bankruptcy, leaving me without access to the services I paid for. I received only a small portion of the treatments before the company closed, and I was never informed or refunded.

Despite this, Cherry Technologies refuses to release me from the loan obligation. They state the contract is considered fulfilled after one session, even though it was advertised as an unlimited service package and I paid thousands of dollars. They have reported the loan as delinquent on my credit file, causing significant damage to my credit score even though I acted in good faith.

This business model is exploitative. The consumer is left liable for a full loan when the service provider disappears. I have attempted to resolve this amicably with Cherry Technologies and have filed complaints with the Florida Attorney General and BBB with no resolution.

I request that the CFPB investigate Cherry Technologies ' practices and help remove this tradeline from my credit report. I also request protection from further collection activity related to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: LA

Complaint narrative:
Repeated calls trying to collect a debt that I dont have told them numerous times to stop calling and quit reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the service I have received from Citibank while attempting to resolve a credit card account issue. My name is XXXX XXXX XXXX XXXX, and I am unable to provide my account number as I have been locked out of my account since my last phone call. 

On XX/XX/XXXX, I contacted the company 's customer service department to discuss a payment plan for my outstanding balance. The representative I spoke with was unprofessional and unhelpful, and the call was ended without a resolution. I have a recording of this call. 

I made a second attempt to resolve the issue later that date. During this call, the representative informed me of " technical issues. To this day, I have not received a call back. I also have a recording of this call. 

This experience has been unacceptable. I have made repeated attempts to responsibly address my debt, but the company has failed to provide the professional and reliable assistance required to do so. This lack of follow-through has caused significant frustration and stress. 

I am requesting your assistance in mediating this matter. I seek to establish a fair and manageable payment plan. 

I trust that you will investigate this complaint and ensure the company provides a prompt and appropriate resolution. 

Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc
State: VA

Complaint narrative:
My car broke down so I took it to XXXX XXXX. I did not have the money for the service so the rep said I could apply for Flex Shopper. My repair cost {$560.00}. I went back into my contract to find out Flex shopper charged me an additional {$850.00} rental fee for them providing the loan. On top of that. They go into my bank account without notice to take money and even when my account is locked. I feel they are extremely predatory and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Transunion XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C XXXX681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Transunion XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C XXXX681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I added my husband to my account via online app. After that, my account was frozen and I couldnt do anything, send, receive, autopays, nothing. They spoke to both my husband and I several times on the phone. They have all of his identification information and mine. They said they cant do anything and we can only unfreeze our account if we visit a cafe over 65 miles away. Weve expressed thats not a convenient option. They said theres nothing we can do. I have requested they close my account due to this experience and they said they cant close the account unless we visit their cafe over 65 miles away. We refuse to travel this distance. They refuse to close my account. So my money just sits there frozen and they will never give it to me. This is aggravating and wrong. They have completely hijacked my right to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I was charged {$86.00} by XXXX for a service I never received. The XXXX refused to do the job, so I canceled the order before it began. XXXX initially refunded me, but on XX/XX/year>, the same amount was charged again. 

I disputed this charge with Bank of America, but the dispute was denied after XXXX sent false documentation. I requested to see this documentation, but the bank did not provide it. I have proof in my XXXX account history that the task was never completed.

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 2025-08-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am disputing a {$53.00} charge on my XXXX XXXX related to a XXXX XXXX flight on XX/XX/year>. During my XXXXXXXX XXXX XXXX  approval, the airlines system incorrectly assigned an incorrect future flight date. This was due to their system glitching and causing error. When I arrived at the airport at the correct time according to the booking I knew to be true, the XXXX agent told me I must pay the difference of {$53.00} to board the flight for that very day ( XX/XX/year> ). Their system upon credit card approval scheduled my flight in error to XX/XX/year> instead of the correct date of XX/XX/year>. If I did not pay, I would have been completely stranded in XXXX, TX. 

This payment was not voluntary. I was under duress. I had no choice but to pay due to a southwests system error. I explained the situation to the front desk agent, but she dismissed my concern, stating it was not their problem. This occurred even though UI am first time southwest credit card member and had paid an annual fee. I contacted Wells Fargo to dispute the charge, and Tier 2 representatives and management denied the dispute, claiming that because I ultimately received the flight, I accepted the service and " waived my rights : therefore can not dispute the charge.

This is incorrect. Under Mastercards chargeback rules, cardholders may dispute charges that are incorrectly billed, forced, or caused by merchant system errors, even if the service was ultimately received. Specifically, Reason Codes 4808, 4831, and 4834 cover transactions with incorrect amounts or billing errors due to merchant mistakes. The {$53.00} XXXX charge was imposed due to a system glitch, leaving me no choice but to pay to avoid being stranded. Additionally, under the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ), consumers are protected from billing errors, including charges not authorized or incorrectly billed. This {$53.00} charge qualifies as a forced billing error under both Mastercard policies and federal law.

I have documentation supporting my dispute, including : Original XXXX booking confirmation showing the wrong flight date Receipt for the {$53.00} payment at the airport Screenshots/emails showing the system glitch during credit card approval Recording of my call with Wells Fargo Tier 2 representatives Resolution Sought : I request that the CFPB investigate this matter and compel Wells Fargo to reverse the {$53.00} charge as a forced billing error caused by a merchant system glitch.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
his is a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate information on my credit reports from the three major credit bureaus : Equifax, Experian, and TransUnion. The purpose of this complaint is to request the immediate removal of all inaccurate personal information from my credit files.

The inaccurate information I am requesting be removed is as follows : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Also Known As : XXXX, XXXX, I have never lived at either of these addresses, nor have I ever used the name " XXXX, XXXX. '' This information is fraudulent and has been erroneously associated with my credit files. The presence of this inaccurate data creates a significant risk of identity theft and can negatively impact my creditworthiness. 

I have attempted to contact the credit bureaus directly to dispute this information, but it remains on my reports. The continued reporting of this false information is a violation of the Fair Credit Reporting Act ( FCRA ).

I am requesting that the CFPB investigate this matter and compel all three credit bureaus to : Immediately and permanently remove the fraudulent addresses and the " Also Known As '' name from my credit reports.

Provide me with an updated copy of my credit reports reflecting these corrections.

Conduct a full audit of my credit files to ensure no other inaccurate or fraudulent information exists.

Thank you for your prompt attention to this critical matter. I look forward to a swift resolution and the complete removal of all inaccurate information from my credit files.

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 2025-08-29 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE Date Opened : XX/XX/year> Balance reported : {$190.00} This is inacurrate

Company response to consumer: Closed with explanation