vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Recently, I was a victim of ID Theft/Fraud. Experian is refusing to correct my credit report nor FULLY investigate. FTC Complaint & bank investigation were made & confirmed fraud. I made a recent complaint with CFPB regarding this also & spoke with CFPB " XXXX '' before making the written complaint to CFPB. Upon dispute with Experian reporting, I am now being subjected to retaliation from Experian. Please be aware, Experian owns their credit supplier " Clarity ''. Experian now, in retaliation to my CFPB & FTC complaint, is targeting & decreasing my credit score daily, & additionally not abiding by my credit freeze nor FCRA. Clarity is reporting my credit score accurately at XXXX, but Experian is reporting my credit score XXXX & has been consistently decreasing my credit score daily/weekly in an effort to force me to purchase their credit monitoring products, etc. Experian is not abiding by the FCRA & additionally falsely reporting consumer credit accounts & credit scores. I am enclosing verification of this violation and fraudulent disservice to consumers.

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 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Central Research Inc
State: NJ

Complaint narrative:
During the XXXX to XXXX school year, I registered for XXXX credits as a XXXX XXXX - XXXX option major. Then, during the Fall XXXX semester, I dropped two courses, XXXX XXXX, and XXXX  I, worth a total of XXXX credits, the first week and was refunded {$2300.00} for those courses. So, I became a XXXX XXXX XXXX taking only two other courses worth XXXX credits. Those courses were XXXX XXXX XXXX XXXX, and XXXX. Which were worth a total of {$3800.00} for tuition. Then, for the XXXX XXXX semester, I received another unsubsidized loan of {$6200.00} dollars. I was a part-time student and took a total of XXXX credits, worth a total of {$5400.00}. So, I need a {$2700.00} Direct Subsidized Stafford Loan for Fall XXXX and Spring XXXX, and a {$1800.00} Direct Unsubsidized Stafford loan for Fall XXXX and Spring XXXX so I don't get needlessly charged for more than what was paid for, which were those two courses I took and completed during Fall XXXX and 3 courses I took during the Spring XXXX semester.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have not lived at XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XX/XX/year>. Despite repeatedly notifying JP Morgan Securities and Chase Bank that my address has changed, I continue to receive sensitive financial mail including securities account documents at this old address.

I have submitted multiple requests to update my address through both the call center and local bank representatives. Each time, I was assured the change had been processed. Nevertheless, the United States Postal Service has confirmed that mail from JP Morgan/Chase is still being delivered to the XXXX XXXX XXXX .

This situation creates significant risks. I do not know who currently resides at XXXX XXXX XXXX, and I can not confirm what personal or financial data ( including my Social Security number and securities account details ) may have been exposed.

Whenever I contact Chase or JP Morgan to resolve this issue, I am transferred repeatedly between departments, often for over an hour at a time. The call centers, frequently based overseas ( e.g., XXXX  XXXX ), provide conflicting information or outright misrepresentations. I am consistently told the issue is resolved, yet my financial mail continues to go to the old address.

This is a clear failure in safeguarding sensitive financial records and a potential violation of regulatory obligations regarding customer communications and data protection. I am requesting immediate investigation, correction of my address in all systems, confirmation of what data has been disclosed to the wrong address, and accountability for the mishandling of my personal financial information.

The call center employees have lied and denied my requests to fix this problem several times. I have wasted hours attempting to escalate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I applied for a USAA credit card about two months ago. During the application process, the card offer clearly stated I would receive 0 % APR for 15 months, which is why I accepted the offer. However, after receiving the card and using it, I noticed my balance was not decreasing as expected, even after making payments on time.

Upon further investigation, I discovered that my purchases were being charged 24.15 % APR, not 0 %. I contacted USAA customer service and explained that I applied under the assumption of a 0 % APR promotion. They informed me that the 0 % APR only applied to balance transfers ( which was never made clear ), and that they could not change the terms since I had agreed to them. 

I believe this was misleading and deceptive. I would not have applied for or used this card had I known regular purchases would be subject to such a high interest rate.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Formal Demand for Validation of Alleged Debt Pursuant to 15 USC 1692g ( b ) To Whom It May Concern : This letter is being sent to you in response to your reporting of a negative account on my credit report. Be advised, this is not a refusal to pay, but a demand that you prove it. 

XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive full validation of any debt you claim I owe. You have chosen to place damaging, derogatory information on my credit profile without properly validating the debt. That is a direct violation of federal law. 

Let me be clear : You are now on notice. I demand that you immediately provide the following : 1. A complete itemized statement of the alleged debt, including principal, interest, fees, and payments made.

2. The name and address of the original creditor and the account number. 

3. A copy of the original signed contract or agreement bearing my signature.

4. Proof of your legal standing to collect this debt and report it to credit bureaus.

5. A copy of the assignment agreement from the original creditor to your agency, including all transfer dates.

6. Proof that I was given full disclosure of this alleged debt as required by law.

Until all of the above is provided, you are required by law to cease all collection activities and remove the account from any and all credit reporting agencies. 

Furthermore, if you fail to validate this debt, I will consider this account invalid and expect immediate deletion from my credit reports. I am keeping detailed records of this communication for use in any future legal action. If you continue reporting unverifiable or inaccurate information, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider filing a civil lawsuit for damages and legal fees under FDCPA and FCRA. 

You have 30 days from receipt of this letter to respond in full. If you can not validate this debt, delete it immediately. 

Govern yourselves accordingly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-06 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: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I just opened a Wells Fargo account a few weeks ago and had had my first check deposited Thursday the XXXX ( XX/XX/year> ) and then went and put money in the bank the same day. {$480.00} to be exact. So I should have over {$1000.00} in bank account. 

I went to pay my {$420.00} car payment and needed the routing and account number to do so so I logged in and seen almost all of my money has been taken and used. Charges from XXXX XXXX and he said XXXX XXXX  repeatedly. I dont even have a debit card. Now all my bills due at the begging of the month are on hold and I have XXXX young children, both under XXXX. I have been doing research since this is my first claim dispute and they are saying Wells Fargo doesnt like to help its customers and to file here and a police report. 

I am going to file a police report tomorrow when I have someone to watch my kids. I dont know how they could allow this to happen. The customer service representative was kind and kept saying that WF did kick back some of the charges. I dont know what that means. I just know my money was stolen and now Im behind on my bills and dont know what to do

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 2025-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: KS

Complaint narrative:
I have requested copies of the charge-off letters for the past XXXX months, and Sallie Mae just sent a bogus stock letter saying that they need more information, but then lists the loan numbers, so how could they need more information, unless they are illegally withholding information and illegally reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Vehicle was in an accident, total loss, GAP was purchased and never got instated.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Formal Demand for Validation of Alleged Debt Pursuant to 15 USC 1692g ( b ) To Whom It May Concern : This letter is being sent to you in response to your reporting of a negative account on my credit report. Be advised, this is not a refusal to pay, but a demand that you prove it. 

XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive full validation of any debt you claim I owe. You have chosen to place damaging, derogatory information on my credit profile without properly validating the debt. That is a direct violation of federal law. 

Let me be clear : You are now on notice. I demand that you immediately provide the following : 1. A complete itemized statement of the alleged debt, including principal, interest, fees, and payments made.

2. The name and address of the original creditor and the account number. 

3. A copy of the original signed contract or agreement bearing my signature.

4. Proof of your legal standing to collect this debt and report it to credit bureaus.

5. A copy of the assignment agreement from the original creditor to your agency, including all transfer dates.

6. Proof that I was given full disclosure of this alleged debt as required by law.

Until all of the above is provided, you are required by law to cease all collection activities and remove the account from any and all credit reporting agencies. 

Furthermore, if you fail to validate this debt, I will consider this account invalid and expect immediate deletion from my credit reports. I am keeping detailed records of this communication for use in any future legal action. If you continue reporting unverifiable or inaccurate information, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider filing a civil lawsuit for damages and legal fees under FDCPA and FCRA. 

You have 30 days from receipt of this letter to respond in full. If you can not validate this debt, delete it immediately. 

Govern yourselves accordingly. 

Sincerely, 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Im hoping you can help me with an issue Ive had with the way Citi handled a dispute I filed. I had purchased an AR upper and three magazines from XXXX XXXX XXXX. The upper didnt work, so I couldnt test the magazines. I requested a replacement, but that one also failed, so I returned the entire order and asked for a refund. 

XXXX XXXX initially only offered me store credit for the full purchase. After I filed the dispute, they refunded {$83.00} to my card for the magazines, but the {$240.00} for the upper was still left as store credit. Later, that credit was taken away entirely, and I never received a refund for the upper I returned. 

Despite this, Citi closed the dispute in XXXX XXXX favor because they showed a refund. Unfortunately, no one from Citi reached out to confirm the details with me, and I was not given the chance to provide the documentation I had ready. In effect, Citi accepted XXXX XXXX claim at face value without verifying my side, leaving me out {$240.00} for a returned product. 

I'm very disappointed with how this was handled and Id be very grateful if you could have them review this again and help me recover the {$240.00} that was never refunded. Im more than happy to provide any documentation that would help clarify the situation.

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 2025-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit Dispute Letter ( FCRA & FDCPA ) XXXX XXXX XXXX XXXX, Georgia XXXXXX/XX/XXXX[ Credit Bureau Address ] Re : Formal Dispute of Inaccurate Credit Information under FCRA & FDCPA To Whom It May Concern : I am formally disputing the accuracy and completeness of the following information on my credit report. This letter serves as notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) that the accounts listed below contain erroneous, incomplete, or unverifiable data that must be immediately investigated and deleted if not fully verified with supporting documentation.

Accounts in Dispute : 1. Captial One * This account is reported inaccurately. It is [ outdated/ unverifiable/ incomplete / misreported balance / duplicated ].

* Reporting violates FCRA 1681e ( b ) ( requirement to assure maximum possible accuracy ).

* If this account is being reported by a debt collector, it also violates FDCPA 807 ( false/misleading representation ) if the information can not be verified.

2. Captial One * The account shows [ late payment history / charge-off / collection ] that is either incorrect, unverifiable, or outside the allowable reporting period under FCRA 1681c ( a ) ( 4 ) - ( 5 ) ( prohibition on reporting obsolete information, such as accounts over 7 years old ).

Legal Basis for Deletion : * FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable reinvestigation of disputed information within 30 days.

* If the creditor can not provide verifiable documentation such as the original signed contract or complete payment history, the account must be deleted immediately.

* Continuing to report unverified or inaccurate information is a violation of FCRA 623 and subjects furnishers and credit bureaus to liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: WA

Complaint narrative:
I never applied for a credit card. Capital One has no evidence of my phone number being associated with an credit card being sent. 

XX/XX/year> Text received : Thanks for giving Capital One your mobile number. You may get texts with important info about your account from XXXX or XXXX. 

XX/XX/year> Text received : You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. 

XX/XX/year> Text Received : Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply.

Hi, your new Quicksilver Credit Card has shipped and should arrive by XX/XX/XXXX. Track your card 's shipment in the Capital One Mobile app XXXX XXXX XXXXXXXX Hi, your new Quicksilver Credit Card should have arrived ! Activate your card in the Capital One Mobile app XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
Subject : Urgent Complaint Continental Finance Credit Protection Benefit Denial Dear CFPB, I am writing to formally report an issue with Continental Finance Company and their affiliated XXXX XXXX Department regarding my credit protection benefits. 

Over the past XXXX weeks, I have made multiple attemptsvia phone and emailto obtain the Credit Protection Benefit Activation Form after receiving notice that I would be losing my job. Despite these efforts, I have received no response, no documentation, and no support from either XXXX XXXX or XXXX Claims. 

Although my monthly payment was previously lowered, I have continued to pay for credit protection coverage. I officially lost my position on XX/XX/XXXX, and I am now unable to make my XXXX payment. This hardship is not due to any fault of my own, and I should be eligible for credit protection benefits under the terms of my agreement. 

Because Continental FinancXXXX failed to provide the necessary form or activate my benefits in a timely manner, I am now at risk of being charged a late feeagain, through no fault of my own. I am requesting that : The benefit be activated immediately No late fees be assessed My account be protected as outlined in the credit protection policy I am asking for CFPBs assistance in resolving this matter urgently. 

Sincerely, XXXX XXXX XXXX XXXX [ Include your account number, phone number, and email address if submitting through the CFPB portal ] -- The email I sent to the executives and CPC on several occasions Dear CPC Team, I am writing to request the activation form for my credit protection benefits. I recently lost my job and have made multiple attempts to contact your office via phone and email, but I have yet to receive a response or the necessary documentation. 

At this point, I am asking that you either attach the activation form to this email or proceed with activating my benefits directly. My account still reflects an active status, yet the benefits appear to be closedand I am still being charged for services under Continental Credit. 

Please address this matter promptly. I would appreciate confirmation of receipt and next steps without further delay

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