vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I am a former service member and long-time USAA customer with a spotless account history. On XXXX XXXX, XXXX, USAA notified me that all of my deposit accounts would be closed. I have never deposited fraudulent checks, never overdrafted, and always responded promptly to USAAs fraud alerts confirming transactions as legitimate. 

This closure is devastating to my family. XXXX  of my children are XXXX XXXX. My daughter, XXXX XXXX, deploys on XXXX XXXX, XXXX, and must purchase required gear, renew her passport, refill medication, and travel to the U.S. by XXXX XXXX. With her account access suspended, she can not complete these essential preparations. My son, currently serving in Alaska, is also impacted. 

We are currently in XXXX and only bank with USAA. With debit cards disabled and transfers blocked, we can not buy food, cover expenses, or even travel back to the U.S. We also can not open another U.S. account and receive cards in time, nor can we safely bank in XXXX due to security clearances. 

The transactions that appear to have triggered closure were legitimate emergency expenses. Our XXXX return flight was canceled due to a XXXX XXXX fire, forcing us to take multiple XXXX, purchase last-minute overpriced one-way tickets, and incur unavoidable costs. I authorized these transactions through USAA fraud alerts. We are awaiting airline reimbursement, but instead, USAA punished us by freezing all access. 

USAAs actions are directly harming XXXX XXXX readiness. I request CFPB intervention to compel USAA to restore account access or provide immediate relief.

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 2025-09-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XXXX XXXX ss XXXX request for account blocking and deletion due to data breach Dear experian, equifax and transunion team i am writing you formally requesting that the blockage and deletion all of accounts, inquiries associated with my personal information due to recent data breach. XXXX XXXX XXXX ( loan ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( inquiry ) this request is made in accordance with several provisions of the fair credit reporting act.15 usc 1681c-2 ( a ) ,15usc 1681i,15 usc 1681e ( b0,15usc1681m,15 usc 1681n. please confirm these reciept of this letter and provide written confirmation of the action taken regarding my accounts. additionally, i would appreciaste an update on any measures you are implementing to protect my personal information. Thank you i look forward to you response 4 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 non-monetary relief
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XXXX XXXX ss XXXX request for account blocking and deletion due to data breach Dear experian, equifax and transunion team i am writing you formally requesting that the blockage and deletion all of accounts, inquiries associated with my personal information due to recent data breach. XXXX XXXX XXXX ( loan ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( inquiry ) this request is made in accordance with several provisions of the fair credit reporting act.15 usc 1681c-2 ( a ) ,15usc 1681i,15 usc 1681e ( b0,15usc1681m,15 usc 1681n. please confirm these reciept of this letter and provide written confirmation of the action taken regarding my accounts. additionally, i would appreciaste an update on any measures you are implementing to protect my personal information. Thank you i look forward to you response 4 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Subject : Unfair Returned Payment Fee Despite Good Faith Payment Efforts- Synchrony Bank To the Consumer Financial Protection Bureau, I am filing a complaint against Synchrony Bank regarding a {$29.00} " Returned Check Charge '' that I believe is unfair and unjust. 

Here is a timeline of events from my account statement. : 1. On XX/XX/year> : I made XXXX payments to my Synchrony Bank credit card. 
Payment XXXX : A payment of {$29.00} from my usual bank account was successfully posted. This was my scheduled minimum payment, made on or before the due date. 
Payment XXXX : A second payment of {$50.00} from a different bank account was rejected. This was an additional payment I was trying to make to pay down ex my balance further. I made an honest mistake when entering the bank account number for this second payment. 

However, on the very same day, Synchrony Bank charged me a {$29.00} " RETURNED CHECK CHG '' fee because of the earlier rejected {$50.00} payment. 

My Argument : This fee is unfair for the following reasons : I was never late on my payment. My required payment was made successfully and on time with the {$29.00} payment on XX/XX/XXXX. 
The rejected payment was for an extra, voluntary payment I was making to reduce my balance. It was not a missed or late required payment. 
Charging a fee for an honest data-entry mistake on a voluntary payment, which I promptly corrected, feels like a penalty for trying to be a responsible customer. 

Attempts to Resolve with Synchrony Bank : I have already spent nearly an hour on the phone with multiple customer service representatives and a supervisor at Synchrony Bank. I explained the situation, apologized for the mistake, and requested a one-time courtesy refund. Unfortunately, everyone I spoke with refused to help me or reverse the fee. 

I am turning to the CFPB because I have exhausted my options with Synchrony Bank directly. I believe this fee is unjust, and I respectfully request your assistance in getting my {$29.00} refunded. 
" Beyond the refund of the {$29.00} fee, I would like to be compensated for the significant time and frustration this issue has caused. I spent nearly an hour on the phone with multiple Synchrony representatives, who were uniformly unhelpful. This process wasted my valuable time and caused me considerable stress throughout the day. A good-faith gesture from Synchrony Bank , such as an additional statement credit, would be a appropriate acknowledgment of this undue inconvenience and the failure of their customer service to resolve a simple issue. '' Thank you for your time and assistance. 

Sincerely,

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 2025-09-26 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-26 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: CO

Complaint narrative:
Subject : Retaliation and Continuing Misconduct by XXXX XXXX XXXX XXXX Mortgage and Financial Fraud To Whom It May Concern : I am writing to formally report ongoing and escalating retaliation by XXXX following my earlier complaints of mortgage fraud, improper credit card practices, and insurance misconduct, which were submitted to the CFPB, FBI, XXXX  Attorney General, and the XXXXXXXX XXXX XXXXXXXX. 

Despite reporting the following issues in good faith, I am now experiencing what I believe to be targeted retaliation that is damaging my credit, finances, and well-being : 1. Mortgage Fraud and Home Auction I previously reported suspected mortgage fraud involving XXXX and/or affiliated entities, which I believe led to the wrongful auction of my home. The timing of the auction closely followed my submission of complaints to various authorities, raising serious concerns about retaliatory motives.

2. Credit Card Misconduct XXXX has applied exorbitant and unexplained fees to my credit card accounts. Despite multiple attempts to obtain an explanation or correction, I have received no satisfactory resolution. After I reported these practices, I closed my XXXX credit card account and XXXX began reporting it as delinquent, even though my payment history had been consistently positive for decades. As a result, my credit score, which remained in the excellent range for over 30 years, has now been reduced to poor. 

XXXX. XXXX XXXX XXXX XXXX misclassified a minor cosmetic scratch on a vehicle as a total loss, resulting in unnecessary and harmful consequences. After admitting this was a mistake, they promised a refund of {$2000.00}, which has yet to be issued.

4. Retaliation and Credit Harm These actions appear to be retaliatory in nature, as they began after I reported XXXX conduct to federal and state authorities. The damage to my credit standing, particularly the erroneous delinquency report, has severely impacted my ability to obtain financial services and appears to be part of a broader pattern of retaliation. 

Request for Investigation I respectfully request that the CFPB : Investigate XXXX retaliatory conduct in connection with my prior reports ; Review the misclassification and credit reporting practices concerning my accounts ; Audit the handling of my mortgage, credit card, and insurance claims for potential violations of consumer protection laws ; Ensure XXXX is held accountable and required to correct all erroneous and damaging actions. 

Please let me know if additional documentation is required. I am prepared to submit full records of correspondence, billing statements, and prior complaints upon request. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
After reviewing my current credit report I see my credit has been compromise nd needed the following corrections done immediately : Inquiries : 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 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, According to the 15 U.S. code 1681c-2, 15 USC 1602 p and 15 USC 1692c. 15 U.S. code 1681b. Please fix this matter immediately and this has been reported for further investigation. 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 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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tennessee Credit Management, Inc
State: GA

Complaint narrative:
To Whom It May Concern : I am writing in regard to the above-referenced account, which is being reported to the credit bureaus as a collection with a balance of {$720.00}. I dispute the validity and accuracy of this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Specifically : The reporting contains inaccurate and incomplete information. 
The status of the account is inconsistent across credit bureaus ( TransUnion vs. Equifax ). 
I have never received full validation of the debt, including original signed agreements, itemized statements, and proof of assignment/ownership of the debt. 

Formal Request for Validation : Pursuant to 15 U.S.C. 1692g, I request that you provide the following within XXXX days : 1. Proof that I am legally obligated to pay this debt.

2. Complete payment history and itemization of the balance claimed.

3. Documentation showing you have the legal right to collect on this account.

Settlement Offer ( Without Admission ) : While I dispute the accuracy of this debt, I am willing to discuss a good-faith resolution in order to close this matter. If you can provide proper validation, I may be prepared to negotiate a settlement amount contingent upon : A written agreement that the account will be reported to all credit bureaus as Paid in Full or deleted in its entirety.

No resale or transfer of any remaining balance.

Until you provide the requested validation, you must cease all collection activity and remove any negative reporting that can not be substantiated.

Please respond in writing within XXXX days. If you fail to validate this debt or continue reporting inaccurate information, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding the unfair and unjust treatment I have received from XXXX  Prepaid Debit. 

Recently, I received notice that my account had been permanently suspended due to activity that violates the terms of the Consumer User Agreement. However, Serve has failed to provide any details or evidence of such alleged violations. All of my deposits were legitimate. I was forced to make multiple smaller loads at XXXX only because their machine would not allow me to load more than {$100.00} at a time. These were all lawful transactions, using my own funds. 

I am XXXX XXXX XXXX, retired, and depend on this account for access to my money. Being denied access to my own funds is causing me significant financial hardship. This situation is unacceptable. If XXXX  will not reinstate my account, then I am demanding that they immediately close the account and release the funds that are rightfully mine without delay. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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:
XXXX'I am reporting inaccurate and fraudulent information that has appeared on my credit report. I have discovered multiple accounts, including collections, charge-offs, and a repossession, that do not belong to me and/or were the result of identity theft. These accounts are causing harm to my credit profile and are being reported inaccurately.\nThe accounts in question include: 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  I have not authorized these accounts and I am requesting that the Consumer Financial Protection Bureau assist in investigating these matters. I have also filed an identity theft report with the Federal Trade Commission and am disputing these accounts with the credit bureaus directly. This information is incorrect, and I am asking that the companies involved provide validation of these accounts or that they be removed entirely from my credit report.'

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 2025-09-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated in federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 I looked at my Equifax credit report on XXXXXX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit reporting act whenever a consumer reporting prepares a consumer report it shall folllow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) b. 

And according to 15 USC 1681 ( s ) they are suppose to do the ( s ) treatment of inaccurate or unverifiable information.

( A ) in general after any investigation under paragraph ( I ) any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. 

( I ) promptly delete that lien of information from the file of the consumer or notify that item of information, as appropriate based on the results of the reinvestigation and ( I ) promptly notify the furnisher of the information that the information has been notified or deleted from the file of the consumer.

And according to 15 USC 1681 5-2, they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or for has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one recently acquired XXXX. They did not do the groundwork to ensure that the discover network was as widely accepted as a XXXX or XXXX. They then forced a discover debit card on me. Then I proceeded to try to move all of my recurring payments to the new debit card. Following the instructions I was provided with the card. Everyday Use- use your debit card as usual. Itll be widely accepted, like it is today. That is a lie. It was not as widely accepted as they claim. I had XXXX merchants refuse my debit card today. XXXX claiming that it was a credit card and couldnt be used as a debit card and another who just doesnt take discover. This has greatly inconvenienced me and I had to go out of my way to figure out how to enter my routing and account number for these accounts.

Company response to consumer: Closed with explanation