vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased XXXX XXXX concert tickets through Capital One XXXX for {$400.00} each. A few days later, the same tickets were being sold on the same platform for {$280.00}. When I contacted Capital One XXXX to request a refund, credit, or price adjustment, they refused and told me I could only resell the tickets. 

I feel misled and financially harmed by this practice. Capital One should not advertise exclusive presale access if prices drop significantly shortly after, without offering refunds or credits. I am requesting that Capital One review this unfair pricing policy and provide at least a credit for the price difference. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX, XXXX, Wells Fargo allow fraudulent transactions to take place on my account. They denied my dispute close my account and failed to give me a fair investigation. The charges were indeed unauthorized. I submitted proof of a stolen device. I submitted proof from the merchant at meeting to fault However, Wells Fargo didnt take any of this into consideration, even though the bank promises that your funds are XXXX  assured, which includes anything unauthorized or fraudulent. It is my belief that Wells Fargo has had bad practices when it comes to consumers. XXXX  already been sued once for the same thing. XXXX  asking that the CFPB gets involved and help me resolve this matter. I asked Wells Fargo to prove to me or explain. How were the charges authorized because just because they came from my account doesnt mean I authorize them online. Compromise happens all the time and the bank knows this. It is my belief that they do not want to take accountability and refund me my money. Wells Fargo has a reputation for doing things like this and I dont think its right for me to lose almost {$6000.00} all because of the negligence of the bank.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Urgent Request for Release of Payroll Deposit Held Since XX/XX/XXXX Dear Chase Deposit Operations Team, I am writing to urgently request resolution regarding my direct-deposit paycheck that has been held since XX/XX/year>. 

I recently opened a new checking account with JPMorgan Chase Bank and switched my direct deposit from XXXX XXXX, where I am actively employed as a Fraud Investigation Analyst. My payroll deposit was sent correctly using my Chase routing and account number, but I was informed on XX/XX/XXXX that the XXXX deposit was placed on hold because my name did not appear in the deposit file. 

Since that time, I have : Contacted Chase over XXXX times by phone and visited my local branch. 
Provided official employment documentation, including a recent pay stub, work ID, and employment verification showing that the deposit legitimately belongs to me. 
Supplied multiple verifiable contact numbers for my employer, including HR and management, yet Chase representatives continue to report them as invalid, which is incorrect. 
Been told repeatedly that nothing can be done, even though Ive provided every proof requested. 

This delay has caused an unnecessary hardship. The funds being held, {$2600.00}, are clearly my payroll deposit and have been verified by documentation multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-28 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:
I kindly ask for the deletion of these inaccurate accounts from my credit report, as I did not consent to their addition. It is essential that you quickly eliminate this inaccurate information from my records. KINDLY BLOCK AND DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 USC & 1681 ) for inaccurate and unverifiable reporting on my credit report related to the furnisher XXXX XXXX XXXX 

The account in question appears inconsistently across the XXXX major credit bureaus : XXXX XXXX Not more than two payments past due ( last updated XX/XX/2025 ) TransUnion : Paid or paying as agreed ( last update XX/XX/2025 ) Experian : Current account was 30 days past due ( last updated XX/XX/2025 ) These discrepancies demonstrate that the information being furnished is not accurate, complete, or consistent, in violation of FCRA 1681 e ( b ), which requires credit bureaus to maintain reasonable procedure to assure maximum possible accuracy.

I formally dispute this information with credit bureaus under FCRA & 1681i, request a reinvestigation and verification of the data. I also requested that if the information could be not verified or supported by documentation, it must be deleted under 1681i ( a ) ( 5 ) ( A ).

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I had a new car loan with Hyundai Motor Finance. The car was totaled XX/XX/year> and I started a gap claim with XXXX XXXX XXXX in XXXX, XXXX XXXX still has not sent the necessary information to complete the claim. I have contacted them XXXX  times, XXXX has contacted XXXX too and they still have not sent the following information : Description of and Contract for with Actual Refund, if applicable, of Aftermarket Sales for {$150.00} on Bill of Sale Identity Theft Recovery Contract AND Actual Refund ( orig cost {$150.00} on Bill of Sale ) Maintenance Contract Actual REFUND ( orig cost XXXX ) we have an estimated refund, need actual. 
( note the refunds would be sent to the lender as the contracts were part of the finance amount ) Today Tuesday XX/XX/year>, I've made my XXXX call to Hyundai Motor Finance, and the customer service rep was absolutely baffled by my request. This is THEIR MONEY! It seems XXXX isn't too interested in resolving this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Im writing to file a complaint against Citibank regarding my Citi XXXX XXXX credit card. They closed my account without explanation and wont refund my {$590.00} annual fee, even though the closure happened right after they finished verifying my information. 

In early XX/XX/year>, Citi locked my account and asked me to fill out a XXXX form to verify my information. I sent everything they asked for right away. 
It took over a month, but they finally unlocked my account in XXXX after verifying everything. Then, just a few days later, they closed my account completely without any warning. 

When I called Citi to find out what was going on, customer service couldnt tell me why my account was closed. No one could give me an explanation, which seems really unfair since Id just jumped through all their hoops to verify my information. 
On top of that, XXXX  refusing to refund my {$590.00} annual fee. I think I deserve a refund because my account was locked for over a month while they did their verification, and then they closed it almost immediately after unlocking it. I havent even had access to the card unlocked for more than XXXX  days.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-10-28 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: CA

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

XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I am filing this complaint because XXXX ( or a collection agency working for them ) continues to report or collect on an account that has already been paid in full. 
I made the full payment on [ insert payment date ] for the amount of XXXXXXXX XXXX ], but I am still being contacted for payment, and this account is negatively reported on my credit report. 
I have attached documentation showing proof of payment ( receipt, bank statement, or confirmation number ). 
This situation is inaccurate and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as it involves reporting and collecting on a debt that has already been settled. 
I request that the CFPB require XXXX and any associated collection agency to : Stop all collection efforts immediately. 
Remove the negative account from my credit report. 
Confirm in writing that my account is paid in full and closed. 
Thank you for your help,

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 2025-10-28 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
well I have a suspect on the look XXXX it coincidence. that money is being mishandled. XXXX they give the reason the the individual. like today. cash app. like I barely order a new card. two days ago. XXXX XXXX. has 3 charges. XXXX recently on cash app. how if they don't know my new card number. I suggest to talk. the robot starts talking again and again. a call. like they can't. it obvious it hacked. like how does XXXX have my new card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-28 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Company : Citibank , N.A .

Product : Credit Card Issue : Account problems/ Secured card deposit not released What happened : I opened a Citi Secured Credit Card over five years ago with the expectation that the account would be periodically reviewed and eventually graduated to an unsecured credit card based on responsible usage. Throughout the entire life of this account, I have never made a late payment, my utilization has always remained low, and I have consistently used the card responsibly.

Despite this, Citibank has continued to extend the secured status of my account without providing any clear graduation timeline, review results, or transparent criteria. Each time I have contacted customer service, I have been told to continue waiting without any meaningful explanation. I have not been notified of any legitimate reason for withholding graduation or my security deposit after
more than five years.

Other consumers with similar Citi secured accounts generally graduate within approximately 618 months. In my case, Citibank appears to be holding my security deposit indefinitely and refusing to transition the account, without providing clear Communication, criteria, or written justification. This directly conflicts with the stated purpose of secured credit products, which is to help responsible consumers build credit and transition to unsecured status.

Impact to me : Citibanks refusal to graduate the account has caused financial inconvenience by restricting access to my refundable deposit and preventing normal credit growth. It has also created uncertainty and confusion due to the lack of transparency regarding review standards. Requested resolution : I am requesting : A formal manual review of my account for graduation,
Release of my security deposit, OR Conversion of my account to an unsecured Citi card product, Written explanation of Citibanks graduation criteria, review schedule, and the specific reason for delay.

Why this seems unfair : I personally know individuals whose Citi secured cards graduated within 618 months. It has now been over five years in my case despite perfect payment history, responsible usage, and healthy credit behavior. Citibank has made no reasonable effort to review or release my deposit.

Legal concern : I believe Citibanks lack of transparency and indefinite extension of secured status may constitute an unfair or deceptive practice in violation of UDAAP ( Unfair, Deceptive, and Abusive Acts and Practices ), particularly given the long duration, the lack of disclosed criteria, and refusal to review 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 explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Against Experian XXXX XXXX, XXXX My name is XXXX XXXX XXXX, and I am filing a complaint to request the immediate removal of XXXX unverified, unauthorized XXXX  inquiries currently reporting on my Experian credit file. 

These inquiries were not approved by me, and they are negatively impacting my credit standing without any permissible purpose. Under FCRA 15 U.S.C. 1681b, a consumer reporting agency may not furnish or report a XXXX  inquiry unless there is a legal authorization and specific permissible purpose. To date, Experian has failed to provide any written documentation proving I initiated or authorized these inquiries.

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