vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNTS IMMEDIATELY. Account ( s ) : 1. Account Name : XXXX Account # : XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$2600.00} 2. Account Name : XXXX Account # : XXXXXXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$0.00} I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. Thank you for your prompt attention to this matter. INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, Iam writing in regards to my credit report. My lawyer has advised me to file ftc report and cfpb report in order to dispute and remove these fraudulent accounts on my credit report. These accounts I have no knowledge of and are tainting my credit badly. I never consented for a credit card or any other loan or anything on my credit report. This has been on my credit for a very long time with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: PA

Complaint narrative:
On Friday XX/XX/XXXX I received a text message that I owed debt to this company with a reference number of XXXX for {$150.00} referencing " XXXX XXXX ''. I have never done business with this company. When I looked at the company online there is no phone number to reach them. It's for mens underware. I am a woman and I don't order men 's underware. This is fraud. Someone opened an account using my name and my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am formally reopening this investigation due to additional unauthorized activity involving my account. Despite my previous complaint and the ongoing investigation, Capital One allowed an additional charge of {$88.00} on behalf of XXXX XXXX to be taken from my account without my authorization or approval. To this day, I have not been contacted by Capital One regarding the outcome of the investigation, nor have I received any explanation as to why this {$88.00} charge was processed or why XXXX XXXX continues to withdraw funds from my account without my consent. I have not approved any additional payments, recurring transactions, or authorizations related to this matter. This situation is extremely concerning and appears to reflect a larger issue with how Capital One is handling disputed and unauthorized transactions. I should not have to continuously monitor unauthorized withdrawals while an investigation is supposedly ongoing. The lack of communication, transparency, and resolution is unacceptable. If this matter is not addressed immediately, I will have no choice but to further escalate the complaint through additional regulatory and legal channels. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I use to be with barclay. I made several payments totaling XXXX. They took the money and held the payments and didnt reduce what i owe. I contacted Barclays. They said they would correct and then transferred my account to Citi. The balance of what i owed never changed so i still owe what i paid. I contacted Citi more than XXXX times. They say they see the payment and still have not corrected my account although i sent all the documentation. This is causing my credit score to be lowered due to balance on my card and causing me interest that i dont owe.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am submitting this complaint regarding the confusing and misleading billing practices associated with my CareCredit/Synchrony Bank account . On XX/XX/2026, I paid off and closed my account in full after being informed that the account would reflect a XXXX balance and that I would receive XXXX final statement confirming closure. Around the same time, Synchrony also issued me a {$41.00} refund check related to a fee adjustment, which reasonably gave the impression that the account had been fully settled. However, after closing the account and paying the balance in full, I received another statement charging an additional {$31.00} in interest. While I understand Synchrony may classify this as residual or trailing interest, the way this was presented was extremely unclear and confusing. The statement itself separates balances, promotional rates, fees, and interest calculations in a way that is difficult for the average consumer to understand. Nowhere during the payoff and closure process was it clearly explained in plain language that additional interest would continue accruing after I paid and closed the account. The statement contains multiple APRs, including rates as high as XXXX %, which I find excessive and predatory, especially for a XXXX financing account commonly promoted through XXXX providers and XXXX offices to consumers seeking necessary treatment. What is most frustrating is that : I paid the account in full, closed the account, received a refund check, and was still later billed again. A reasonable consumer would believe the account had been fully resolved. Although I ultimately paid the additional balance to avoid further issues, I believe Synchronys billing disclosures and payoff practices are misleading, unnecessarily confusing, and not consumer-friendly. Consumers should receive a clear and direct explanation during the payoff process stating that additional residual interest may still post after closure and exactly how much remains owed before the account is considered fully settled. I am requesting that this complaint be formally documented and reviewed as part of Synchronys consumer billing and disclosure practices.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax remove and block fraudulent information from my consumer credit report within XXXX business days of receiving this notice. The inaccurate and unauthorized information includes the following : Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX * * * * XXXX - XXXX * * * * XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX * * * * XXXX - XXXX * * * * ONEMAIN - XXXX * * * * Listed below are the Collections that are being challenged XXXX - XXXX * * * * XXXX - XXXX * * * * These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: MI

Complaint narrative:
b'On XXXX XXXX XXXX I called to pay my past due balance The mortgage company refuse to accept my payment and stated that my case was transferred over to a foreclosure attorney and they will reach out to me. I attempted to pay the full XXXX that is past due the number they given me to reach out for the foreclosure attorney was XXXX XXXX XXXX No one returned my call no one is answering the phone. Loan care mortgage services is handling or expedited my case to a foreclosure attorney loan care is owned by 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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I am writing regarding my XXXX welcome bonus free night certificates. My Chase account already shows that I successfully earned/completed the welcome bonus requirement, and more than XXXX weeks have passed without the certificates being deposited into my XXXX account XXXX I have already contacted customer service multiple times and have been repeatedly advised to continue waiting, but no specific resolution or timeline has been provided. Please investigate this issue, verify the XXXX XXXX account linked to my credit card, and provide a clear explanation of the status of the free night certificates. I would also like a case/reference number for this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: IL

Complaint narrative:
The consumer is an individual co-buyer under a retail installation contract assigned at origination to a captive finance subsidiary, Tesla Finance LLC. The transaction tracking history documents a multi-stage delivery of negotiable instruments accompanied by explicit processing instructions : first, on XX/XX/year>, a valid consumer negotiable instrument was delivered via XXXX Registered Mail and accepted by the currently listed Indenture Trustee under the governing corporate trust framework ; second, on XX/XX/year>, a subsequent payment security instrument was delivered via XXXX Registered Mail addressed directly to the Chief Financial Officer ( CFO ) and Tesla Finance LLC and signed for by the finance subsidiary at its XXXX, UT hub. The respondent and its trust agents have retained physical possession of both financial assets and have not returned either to the consumer, completely failing to process a corresponding book-entry ledger credit and creating an unresolved accounting mismatch. On Tuesday, XX/XX/year>, at XXXX PM, a formal electronic Notice of a Material Book-Entry Ledger Defect detailing this severe value tracking failure was delivered directly to the office of the Chief Financial Officer ( CFO ) and the Finance and Leasing Department of Tesla Finance LLC XXXX Within an operational window between XXXX PM and XXXX PM that same afternoon, human operators representing the parent corporation utilized the company 's proprietary manufacturing software networks to bypass standard consumer protections and execute a retaliatory, remote over-the-air intervention on the asset ( VIN : XXXX ). Operators unilaterally deployed a restrictive root-level security passcode and command-override to execute a total remote digital immobilization and extrajudicial self-help repossession, rendering the vehicle 's central touchscreen interface and driving capabilities entirely inoperable while terminating mobile application control. The respondent subsequently failed to provide post-repossession notices under XXXX ILCS XXXX ( XXXX ), directly violated the mandatory XXXX title release and lien discharge mandates under XXXX ILCS XXXX following account satisfaction, and deceptively assessed late fees on Saturday, XX/XX/year>, while maintaining this illegal immobilization. The consumer requests immediate intervention to compel the respondent to terminate the remote digital immobilization, remove the passcode lockout, credit all non-compliant fees, and issue the satisfied title documents.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed the XXXX XXXX XXXX XXXX account being reported on my Equifax credit report and requested verification and supporting documentation regarding the reporting of this collection account. XXXX XXXX XXXX XXXX previously agreed to delete the account ; however, Equifax continues reporting the account as accurate despite the ongoing dispute and deletion agreement. I believe the account is being inaccurately and inconsistently reported and has not been properly reinvestigated. Due to these reporting inaccuracies, I am requesting deletion of the account from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I canceled a recurring service with a merchant. After XXXX visits, I canceled the service. The merchant continued to charge me for the service. The service was XXXXXX/XX/XXXX visits for {$79.00} a month. I started XX/XX/scrub> 2026. I was dissatisfied with the provider, so I canceled in late XXXX. The merchant attempted to charge me on XX/XX/year> but was unsuccessful. The merchant charged me again on XX/XX/scrub> 2026, but was successful because my card was locked. I disputed this charge and my bank, Wells Fargo, denied my dispute even after I reopened the claim and provided them with supporting documentation.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
b'File dispute with Bank of America and I am getting the runaround for the past XXXX XXXX months. No one seems to give me the correct answers now theyre telling me there is no timeframe on when the dispute would be finished. They said it could even take XXXX years this is ridiculous. Ive been with Bank of America for XXXX years and this is how you get treated. I want to file a complaint.'

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 2026-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: UT

Complaint narrative:
I opened a new checking and savings account with US Bank. I funded both accounts with XXXX transfers from my XXXX accounts that are already linked to US Bank because I have a credit card with them. They took my transfers for {$500.00} to the checking account and {$2500.00} to the savings account and gave me a funds availability date of XX/XX/XXXX. When that day came I still hadnt received any funds by XXXX. I called the bank and they assured me that my funds would be available by the end of the day and no further holds were placed. Well they cleared the {$500.00} in the checking account and only {$500.00} of my savings. I called back and asked where my funds were. They told me that they placed a hold and would not disclose any information why accept that they are allowed to place holds for funds availability. They finally disclosed that the hold would expire on XX/XX/XXXX. I still dont have my money. I have impeccable banking history with XXXX for many years and I dont believe that I was treated respectfully and they acted like I was a criminal instead of a new customer. This is absolutely the worst experience Ive ever had with any bank. I want my money to be released immediately. There is no reason in the world in this day and age that they should hold a credible XXXX transfer for XXXX weeks without any reason disclosed to me accept that they have a right to.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Date XX/XX/XXXXXXXX Time between XXXX Check amount {$1000.00} Time it took 2 hours On this day, as a typical American citizen, veteran, husband, and father, I entered this establishment and left feeling utterly dejected and insignificant. I have been a Wells Fargo customer since XXXX, and this particular branch has consistently denied me the opportunity to cash checks. The demeanor of the staff upon my arrival was so unkind that it was as if I were wearing a mask. In the current climate, we are grappling with policies that exacerbate the challenges faced by individuals of color, leading to unfair treatment and discrimination. It is particularly disheartening to encounter such discrimination when attempting to cash a check. This experience has left me sleepless, haunted by the realization of the inherent unfairness in our society regarding opportunities. While many assert that the United States offers opportunities, I believe that these opportunities are contingent upon ones race and geographical location. On that day, no other individuals with similar appearances encountered any issues with cashing checks. I am the sole customer who experienced this discrimination. Consequently, I have lost my job due to the difficulty I now face in working with others, as a result of the treatment I received. I am uncertain whether my mind will ever fully recover from this experience. I was once a person who genuinely cared for others and offered assistance whenever possible. However, I now feel that there is a perception that XXXX individuals are only deserving of help in the form of awards or votes that require financial contributions. I feel compelled to serve my country and its people regardless of their race, including those who harbor hatred towards us and refuse to accept our presence. Being XXXX in this country presents numerous challenges. It is often uncertain whether ones XXXX XXXX is genuinely influencing the decisions made around them. It is akin to being blind, relying solely on the trust placed in the individuals who assist us to make the most suitable decisions for our lives. Unfortunately, I can not say that I feel this way due to the extensive discrimination I have endured throughout my life.

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