vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I withdrew XXXX XXXX, and the ATM charged me {$670.00}. 

Based on the exchange rate on XX/XX/year> ( XXXX USD = XXXX EUR ), XXXX XXXX should have equaled approximately {$570.00}. In addition to the {$670.00} charge, I was also charged an International ATM fee of {$20.00}, and a non-TD ATM fee of {$3.00}. 

I disputed the excessive ATM fees and based on TD Bank 's calculations, they issued a provisional credit of {$94.00} on XX/XX/XXXX. 

On XX/XX/XXXX, TD reversed the provisional credit, stating the fee was valid due to the exchange rate. I still don't understand the math here but I accepted it as a loss. 

Then, on XX/XX/XXXX, I was charged an additional {$94.00}, with no explanation and no corresponding transaction, stating it was an additional ATM fee from that same XX/XX/year> transaction. 

What I believed happened was that while I received a provisional credit, the Italian bank associated with the ATM charged me yet again. And then when the provisional credit was reversed I was not only out the original {$94.00} but now an additional {$94.00} for the same thing. 

Ive contacted TD Customer Service multiple times to no avail. The extra {$94.00} charge is completely improper, and I consider it a fraudulent transaction. Apparently, it was manually done by someone in the back office at TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have never missed a payment ever on my XXXX accounts since XXXX. 
I have paid capital one over XXXX $ since starting my accounts with them in XXXX and with my autoloans. 

I recently closed my account ending in XXXX and setup a 60 month repayment plan at XXXX a month they said that once the app reflected that required amount I could put my payment through. 

I called again in XXXX mentioning it said closed on the account log in page and i havent received new account details nor did the app reflect the XXXX owed. 

Not one email sent about a late payment. Not one call. I called in again wondering where the details where for a lady to finally say lets take your payment over the phone but since its day 31 its going to report. All your calls are recorded i called last week why didnt the lady tell me this I asked to then be ridiculed by the capital one lady well why didnt you ask to make the payment on the phone. It wasnt communicated to me that was an option. 

I wrote this to capital one explaining I also feel stupid for the miscommunication I paid in full on day 31 immediately & they are refusing to work with me.

Im mid buying a home, Ive never missed a payment this has destroyed and dropped my credit three tier levels. Im so distraught I will never do business with capital one again. They destroyed my credit over a miscommunication refused to work with me. They are legitimately leaving us homeless over an error partially their fault, and that they chose to deny goodwill forgiveness of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Transunion Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent inquiries that I have identified on my credit report are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile.

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: KY

Complaint narrative:
Crypto com took crypto and went to kiln no record of it but on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Self Financial Inc.
State: VA

Complaint narrative:
his is my third dispute with Equifax. Despite formal requests for investigation and correction, Equifax continues to report inaccurate, outdated, and unverifiable information directly violating multiple sections of the FCRA. 

1. SELF FINANCIAL : This account was paid in full as of XX/XX/year>. Equifax continues to report over 600 days of late payments and an overall derogatory status. This is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which forbids furnishers from reporting inaccurate or outdated information. Continued negative reporting on a fully resolved debt is misleading and materially harmful. If the full account is not updated to show Paid as agreed never late, then it must be deleted entirely under FCRA 611 ( a ) ( 5 ) ( A ) ( ii ) for unverifiable data. 

XXXX. XXXX XXXX : This account has no documentation, no original bill of sale, no validation of the alleged debt, and no proof I owe anything. XXXX has failed to respond to prior verification requests under FCRA 611 ( a ) ( 1 ) and is in direct violation of FDCPA 809 ( a ), which mandates proper debt validation prior to reporting. This account is unverified and can not legally remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I want to report an issue with my Citi Strata card application process : I was approved for the card. 

Shortly after, I was asked to provide documents. 

I submitted everything within the required timeframe. 

I was told the review would take several weeks. 

Only a few days later, my approved account was suddenly closed with no explanation. 
This process makes no sense and needs to be reviewed. I expect clarification and a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am writing regarding my dispute for {$870.00} for a skincare service that resulted in significant damage to my skin. I filed the claim over a week ago and uploaded all the supporting evidence, including photos, screenshots of communication with the esthetician, and details about the treatment I paid for. 
Despite providing clear proof that the service was performed incorrectly and caused a negative physical reaction, I was informed that my claim is not eligible for a provisional credit during the investigation. I am requesting that this decision be reconsidered and escalated to the back-office disputes team, as this situation has created financial hardship for me. They claim to have started an investigation, but Im honestly not even sure about that but all Im asking for is a provisional credit so that I can have my money while theyre doing the investigation because they told me it was going to take 3 to 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, my company had taken out a 'traditional " XXXX amortization, XXXX maturity commercial mortgage with Fifth Third Bank. Within those 5 years, the loan XXXX with whom we had completed the mortgage agreement with had left the Bank. Starting in early XXXX - in anticipation of our loan reaching maturity on XX/XX/XXXX - began reaching out to Fifth Third Bank for information about who our current loan XXXX was, because we had questions about the impending maturity date, what to expect and what our options to consider would be. Numerous requests were unanswered. Eventually, we were informed that a XXXX XXXX at our local branch had been assigned as our " commercial loan XXXX, '' but unfortunately she was neither a commercial banker or equipped with the information or resources to answer even the most basic questions regarding our commercial loan. She was restricted to calling a " back office '' that handled commercial business. Numerous attempts to request information through our " loan XXXX '' XXXX regarding our impending maturity date - what to expect, what our options were, what renewal term ( XXXX ) would be, what refinancing window ( XXXX ) and option ( XXXX ) we had... none of those questions were answered. The only 'response ' we ultimately received from the " back office '' was XX/XX/XXXX- for which we were sent a copy of our mortgage agreement and a payoff letter as if we had requested to pay off the balance of our loan on XX/XX/XXXX [ which we had not ]. 
Numerous attempts to communicate with Fifth Third Bank through the XXXX XXXX XXXX number listed on our loan statements yielded no effective responses either- each time the call center staff would be unable to answer any questions regarding our loan ; instead, they would generate a 'ticket, ' assure us that someone would call us back or reach out ... and nobody ultimately would. 
As of XX/XX/XXXX, despite dozens of attempts on our part, we have not received a single notice or acknowledgement by Fifth Third Bank about our impending XX/XX/XXXX loan maturity date. We have received no information about terms of a renewal. We have received no information about a refinancing window or how that process would be handled. 
The complete failure by Fifth Third Bank to meet minimal expectations for notification, communication, response to questions regarding our loan, etc. has now left us in an alarming legal and financial limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681XXXX OF XXXX XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts needs to be removed from 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All my account was opened under trafficking-related coercion. I am requesting immediate removal and cessation of reporting. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I scheduled a payment to be processed on XX/XX/year> on both accounts that I have with this company, a Surge XXXX ending in XXXX and a XXXX XXXX ending in XXXX, to pay off the balance. I then reported my cards lost and explained that I needed new cards issued. I then called in XX/XX/year> and asked if the payments were cancelled, and XXXX different agents advised that there was no payment and that when the account was reported lost, the payments were cancelled. They then took a payment over the phone, and now there have been XXXX payments made on the account. There is no way for me to make an additional payment on the account since I have already made payments of over {$900.00} via debit card on both of my accounts to pay off the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding my Best Buy Credit Card issued by Citibank. I had a XXXX deferred interest promotion. I always understood that interest would apply to any unpaid balance after the promotional period. I did not understandnor was it clearly communicatedthat Citibank would charge retroactive interest on the entire purchase amount for the full XXXX years. 

I paid on time every month and my account was set on XXXX, which meant I was never alerted that a large deferred interest amount would be added. Customers on XXXX reasonably expect clear warnings or notifications because they do not manually review each monthly statement. Nothing notified me of the need to take urgent action before the promotional expiration. 

The deferred interest added was extremely high and unexpected. My XX/XX/2025 statement shows a large interest charge and over {$8000.00} in interest year-to-date. This has created financial hardship, especially since my wife recently lost her job and our household income has decreased. 

I contacted Citibank before receiving their formal denial. During that call, I was told that I had just missed the window during which adjustments could have been made. This indicates Citibank does make exceptions, yet they declined to consider my circumstances despite my long history of on-time payments. Their XXXX Response Unit letter does not acknowledge or address what I was told on the phone, creating inconsistent communication. 

Citibanks written response relied solely on the fact that statements were issued, but they did not address the core issue of whether the promotional terms were clear or understandable to an ordinary consumer. Simply sending monthly statements does not equate to clear disclosureparticularly when the promotional offer is marketed as XXXX XXXX for 24 Months, which strongly implies that interest would only apply to any remaining balance, not that XXXX full years of interest would be applied retroactively. 

Citibanks response instead directed me to a payment assistance phone number, which mischaracterizes my complaint as a financial inability to pay. I am fully willing and able to pay the principal balance immediately. My complaint is about misleading and unclear promotional terms, not an inability to pay. 

I am requesting a fair resolution : Removal of the deferred interest added after the promotional period, OR An adjustment allowing me to pay the remaining principal without the retroactive interest. 

I am not disputing the principal. I am seeking relief from interest charges that were not clearly disclosed and that were inconsistent with how promotional financing is typically understood by 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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
My Cash App account was hacked from XXXX and {$1200.00} was spent without my authorization. Another {$80.00} was requested as well by the name XXXX XXXX. The user completely logged me out my own account I reported it immediately. Cash App completed an investigation and confirmed the activity was unauthorized, but they told me they would not return my money or there is nothing they can do. I still cant have access to my old account so they decided to submit another case. This violates my rights under the Electronic Funds Transfer Act ( Regulation XXXX ). I am requesting that Cash App provide a refund for the unauthorized transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation