vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, my name is XXXX. I am filing this complaint because Bank of America wrongly denied my {$300.00} Online Checking Bonus ( offer code XXXX ) even though I fully met all requirements. 
I opened a BOA checking account on XX/XX/year>, Account number : XXXX, and completed {$6900.00} in qualifying ACH payroll direct deposits from XXXX XXXX XXXX XXXX and XXXX well within the XXXX period. All these deposits are clearly labeled by Bank of America in the mobile app as Income : Paychecks/Salary, which confirms they are legitimate payroll ACH deposits that qualify under the offer terms. 
However, the bank keeps responding with the same generic message : You did not meet the requirements. They refuse to explain which requirement they claim I didnt meet, and they have exceeded their own promised XXXX business day review window ( Case # XXXX ). 
I am requesting that Bank of America conduct an actual review of my account activity, explain their decision with documentation, and issue the {$300.00} bonus I rightfully earned.

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 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
On today XXXX XXXX I woke up to a voice mail that stated XXXX, this is XXXX XXXX making contact with you today in regards to your claim that is in the process of being filed out through the county claim XXXX XXXX XXXX XXXX being filed against you. Since I was unable to reach you by phone today, XXXX XXXX. I have been instructed to contact your place of business because it looks like that is going to be your likely place of location. As of right now, you do still have the right to make contact with the office that is filing the claim against you. However, once the claim is filed out through the county, this will no longer be an option available to you. The phone number provided to the office that is handling your claim is XXXX. Understand this is considered a notification by telephone, XXXX XXXX. you will be located on the premises unless we are further instructed. Best of luck moving forward. XXXX XXXX. I called the XXXX number and a guy answered, he told me he was going to process the claim, it has been red flagged. Asked me to pay over {$3000.00} I asked could I make payments on it. I was working for the government and we experienced a shutdown I just started a new job yesterday. He then placed me on hold to talk to someone and proceeded to ask for card info and making payments of {$170.00} a month. I was curious if I would get any documentation but he said wouldnt until its paid off in XXXX XXXX he then proceeded to tell me if I didnt pay it, theyre going to ask the judge to permanently attach it to my name so that Im unable to buy a house or get things in my name. 

I was unable to pay off the debt back then because of financial, mental and physical hardship. I got in a bad car accident when I was pregnant with my son at the time and was on bedrest until my case closed. I do not want to be penalized for this now, it was out of my control I didnt know I would experience hardship as such. Im still trying to get properly on my feet and its hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Subject : Complaint Against Capital One Auto Finance for Failure to Investigate Credit Dispute Regarding Defective Vehicle To : Consumer Financial Protection Bureau My name is XXXX XXXX, and I am filing a complaint against Capital One Auto Finance and XXXX XXXX XXXX regarding a financed vehicle that was not delivered in safe, working condition. 

Summary of Issue Purchase Date : XX/XX/XXXX Vehicle : XXXX XXXX XXXX, XXXX miles Price : {$19000.00} Warranty : XXXX warranty provided at purchase First Failure : XX/XX/XXXX ( 7 days after purchase ) vehicle overheating Dealerships Claim : No issue found, despite low coolant stating there were thorough assessments on vehicle presale and on XX/XX/XXXX Second Failure : XX/XX/XXXX same defect Diagnostic Result : Coolant mixing with engine oil causing severe internal damage over {$10000.00} in repairs. Car inoperable. 


Capital Ones Failure to Act I notified Capital One that the dealership sold a defective vehicle under warranty and refused to repair or accept a return. 
Capital One : Refused to investigate the dispute Stated they can not assist with backing out of the contract, despite clear evidence of misrepresentation Continued billing me during an active dispute Ignored my claim that the dealer failed to deliver the goods as promised Failed to acknowledge that the contract is invalid due to Con

sumer Fraud failing to disclose known defects.

This is a violation of : Fair Credit Billing Act FTC Holder Rule ( 16 C.F.R. 433.2 ) CFPB auto financing regulations for dispute handling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MA

Complaint narrative:
I am a consumer seeking to correct inaccuracies on my credit report. Below are the accounts in dispute : CHARGED OFF XXXX : XXXX, XX/XX/XXXX, {$740.00} XXXX : XXXX, XX/XX/XXXX, {$840.00} XXXX : XXXX, XX/XX/XXXX, {$4000.00} XXXX XXXX : XXXX, XX/XX/XXXX, {$1000.00} XXXX : XXXX, XX/XX/XXXX, {$2300.00} XXXX XXXX XXXXXXXX : XXXX, XX/XX/XXXX, {$4400.00} XXXX : XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX has stole my card and has been using it while I was away and has ran my card dept over XXXX dollars I am asking for a fraud case to be opened against a XXXX XXXX whom resides now in XXXX fl. This said person has also fraudulently files taxes in my name last year my card holder is with capital one bank and they have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Beginning in XXXX, Navy Federal Credit Union began reporting two separate revolving credit accounts with inaccurate, inconsistent, and misleading information. Both accounts were closed by Navy Federal without proper notice, yet the credit union continued to report them as active, delinquent, charged-off, and past due with contradictory dates, amounts, and status codes across multiple months and credit bureaus. 

I repeatedly requested verification and supporting documentation, including : the complete payment history, the correct date of first delinquency, the date and reason for account closure, the charge-off calculations, any internal notes, and all records used to furnish data to the credit bureaus. 

Instead of providing the required information, Navy Federal erased my message history from my online account portal and failed to respond to my requests. In XX/XX/XXXX, Navy Federal also sent me another customers sensitive financial documents in error, which is a serious violation of the FCRA, FACTA, and the GLBA Privacy Rule.

Navy Federal continued furnishing conflicting credit data, including : different dates of first delinquency, different charge-off amounts, months marked as charged-off after the account was already closed, continued reporting activity in XXXX despite no active relationship, soft credit inquiries in XXXX with no permissible purpose, failure to update the accounts accurately after closure. 

The information furnished is materially inaccurate and has caused significant harm to my credit, including denials for housing, increased costs of credit, and financial damages. Navy Federal failed to properly investigate, failed to validate the accounts, failed to correct the inaccurate reporting, and failed to comply with the FCRA and Regulation V 1022.43.

I am requesting CFPB assistance because Navy Federal will not correct the errors, will not provide documentation, and will not address the privacy breach involving another customers documents.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On Thursday XXXX at XXXX am XXXX I called the number XXXX to obtain information on my online banking account. I called from my registered number XXXX. I asked to obtain information related to online banking. I did not receive the information required but rather rude and dismissive responses, so I asked for escalation. 

Upon escalation, the " XXXX '' informed me the call was being recorded ( without my consent ). I informed the supervisor I do not consent to recordings based on State Law and I cited the state law. The supervisor said they would put me on hold and transfer me to a manager on an unrecorded line. In a vindictive and retaliatory way I was put on an extended hold. I was then connected to an entry-level employee who also said the call was being recorded. I informed this employee I was expecting a manager and an unrecorded call. I informed her of the extremely vindictive and retaliatory hold time for this simple transfer. 

I was once again put on hold and ultimately connected to a " XXXX '' named XXXX. 
XXXX was confrontational, spoke over me rudely, dismissive, threatening, and at the end of the call a liar when she said I insulted her, when she said I was threatening her, and ultimately disconnected playing the victim as expected. I asked XXXX to get me in contact with her regulators or file a complaint to their internal legal department. I asked XXXX to connect me with her direct XXXX ( XXXX ) times. I asked XXXX for her employee ID and manager 's name. Each time XXXX dismissed, spoke over me in a cowardly way, or flat out said NO. After all this, she found herself victimized and pretended to be offended in order to disconnect the call. 

XXXX. Wells Fargo is a known fraudulent entity who treats customers this way. For that reason I am asking for continued review of this evidenced by this interaction. 
XXXX. Wells Fargo knowingly and willingly violates privacy laws by defaulting recordings without consent and further, punishing and retaliating against customers asking for their rights to be respected as was done in this occasion with ( XXXX ) extended holds, ( XXXX ) intentional mis-transfers, ( XXXX ) confrontational and aggressive managers disconnecting the calls under false pretexts. I ask you investigate this. 
XXXX. Wells Fargo employs, trains, and instructs its customer service to be hostile, aggressive, lie and deceive, and refuse to provide service to their customers in an attempt to infringe their rights and impede service from being granted. I ask you investigate this.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I need the original assignment contract of the debt sold to them. Why is the CFPB allowing it to be on my credit per FCRA. This is the 3td company asking for the same debt with no solid verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
This 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I am disputing the accuracy of certain charged-off accounts listed with Experian, as there are errors in the reporting of account balances and dates. I request a thorough investigation of these accounts and the correction of any discrepancies. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : 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 2025-11-20 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: GA

Complaint narrative:
I am disputing the following items on my Experian credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-20 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the XXXX data breach. 

The following accounts were fraudulently opened : 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 2025-11-20 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: OH

Complaint narrative:
I am submitting this formal complaint to dispute several hard inquiries that continue to appear on my credit report. Despite my prior requests, these inquiries remain, and I have not received verifiable proof that I authorized these companies to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ), you are required to verify that each inquiry was made with my explicit consent or for a documented permissible purpose. If you can not provide such documentation within XXXX days, federal law requires that these inquiries be immediately deleted from my credit report. 

Disputed Inquiries : XXXX XXXX XXXX XXXX XX/XX/year> Delete ; provide proof of authorization or permissible purpose XXXX XXXX XXXX XX/XX/year> Delete ; provide proof of authorization or permissible purpose XXXX XX/XX/year> Delete ; provide proof of authorization or permissible purpose XXXX XXXX XX/XX/year> Delete ; provide proof of authorization or permissible purpose

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 2025-11-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$260.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$730.00} XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, Balance : {$66.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$350.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} WFC Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-20 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Equifax. I have been the victim of personal information exposure due to several data breaches, and these accounts are inaccurately reported. I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I received emails and messages from moneygram and my bank that XXXX transactions were completed, and money was removed from my bank account. I immediately contacted moneygram, and they cancelled one transactions, and stated that they could not cancel the other ones because they no longer had the money. 

additionally, I kept receiving emails about other attempts to withdraw money, but it was not able to go through. 

I have set up my account where they have to send a code to my phone in order for any transactions to be completed. 

Now, my account is missing money, and accumulating charges as I have autopay scheduled to come out of my account.

Company response to consumer: Closed with explanation