vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was a capital one customer since XXXX. I had trouble making the minimum monthly payments and the company kept upping the interest. I called several times and spoke to a manager. They agreed to work with me since this all occurred during the Covid pandemic. 

Subsequent to that they summarily closed my account in XXXX of XXXX, without notice or any prior warning or reason. 

Then in XXXX of XXXX a third party schlocky company out of XXXX XXXXXX/XX/XXXX posing as a law firm, but was really a third party collection agency tried to collect on a debt that was closed and summarily written off by Capital One. I disputed this illegality with the third party agency and filed a grievance with you directly back in XXXX. 

They tried to sue me in court and then filed a lien on an apartment I don't even own!! The whole situation was both egregious and ridiculous!

Three years have passed and the poser collection agency wrote off the case and removed the lien of which I have the paperwork to substantiate this. 

Now Capital One is sending me letters telling me they won't try to sue me, yet they want repayment on a " debt '' they wrote off four years ago and created this nightmare for me. Now they're saying they may try to contact the credit bureaus for a so called debt they already wrote off. I told them to cease and desist and threatened them with legal action from my attorney XXXX XXXX in XXXX XXXXXX/XX/XXXX 

We faxed them two letters directly. They are not to contact me in any form, especially in written form. I am tired of their nonsense and I would like you to file this complaint on record against them and for them to stop immediately, or I will in fact take them to small claims court for illegal harassment, liable and slander for {$15000.00}, which would exceed the amount they claim they want/do n't want back. I intend to make their lives hellish just the way they have made mine for the past four years. What goes around comes around in this life and it's time their received their comeuppance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX, I have asked LexisNexis Risk Solutions to add 1-year fraud alert on my account, but they haven't added saying that I need police report. 
I am adding a statement from their report that mentions " You have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer 's credit file. Upon seeing a fraud alert display on a consumer 's credit file, a business is required to take steps to verify the consumer 's identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. '' Here, they don't mention anything about police report for 1-year fraud alert. 
I have added the page as an attachment. 

Please ask them to add 1-year fraud alert. 


Thanks & regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On or about XX/XX/year>, I mailed a formal written tender of payment and settlement notice to Synchrony Bank ( CareCredit ). The notice included a duly endorsed negotiable instrument made in full satisfaction of my CareCredit account balance and was sent to the address listed on my statement for conditional or disputed payments : XXXX XXXX XXXXXXXX, XXXX, PA XXXX. 

The letter referenced my rights under XXXX  Chapter XXXX ( Uniform Commercial Code Negotiable Instruments ) and the CareCredit cardholder agreement, which requires Synchrony Bank to process or respond to such tenders in writing. 

On XX/XX/year>, Synchrony Bank sent a written acknowledgment stating that they were looking into [ my ] account and that it might take XXXX to XXXX billing cycles to respond. However, after more than XXXX months, Synchrony failed to provide any further response, decision, or return of the tendered instrument. 

Instead, Synchrony reported my account as late to the credit bureaus during the period they stated they were still investigating. This reporting occurred without a resolution or proper dispute notation, which I believe constitutes false and misleading credit reporting, breach of contract, and deceptive business practices. 

I took all proper actions in good faith to resolve the matter directly with Synchrony, but they failed to act within their own stated timeline and caused harm to my credit record.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been severely affecting my life and credit score, preventing me from achieving financial freedom and stability. Its been an ongoing source of stress, and I need this issue addressed properly once and for all.

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I emailed this company on XX/XX/year> in regards to this account that was opened without my knowledge with a phone number ending in XXXX, I have never obtained such phone number with the last XXXX digits as such at all. I never applied to Affirm on my own trying to go in their site and apply and was told I had an account already which made no sense. The time I applied was the first time I had heard about the program, Upon emailing them that this is fraud, they emailed me back in regards to locking the account so no further loans or purchases could be made which is not helping my case at all. I got no case number, I have spoken with them multiple times each time they lie and say they will make it priority and someone will get back with me. I have been dealing with this issue for XXXX and a half years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they are not reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit. Please see the attached letter for specific details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since around XXXX, I have been repeatedly charged overdraft fees by Wells Fargo, even though I have asked multiple times to disable overdraft protection so that transactions would be declined instead of processed. I even followed their advice to open new proper accounts, but the issue continues to occur. 

Wells Fargo routinely places my debit card purchases in pending status, then processes them together once my account balance dips low enough to trigger overdraft fees. Rather than posting transactions in the order they were made, Wells Fargo deducts larger transactions first, or delays multiple smaller transactions and then posts them all at once, rapidly reducing my available balance and resulting in multiple overdraft fees in a single day. 

For example, on XX/XX/XXXX, my balance was around {$230.00}, and Wells Fargo processed a {$99.00} purchase first but held smaller transactions as pending. A few days later, those smaller purchases ( each between {$5.00} {$12.00} ) were batch-processed together, which caused my account to go negative. I was then charged multiple {$35.00} overdraft fees, and these fees continued to accumulate daily, even though those purchases were authorized when sufficient funds were available. 

Since XXXX, I have visited multiple branches in XXXX XXXX ( NV ), XXXX ( CA ), XXXX ( CA ), XXXX XXXX ( CA ), XXXX XXXX ( CA ), and XXXX ( CA ) to resolve this issue in person. Each time, I was told the overdraft feature had been turned off or was blamed for the issue. I have also called customer service and emailed Wells Fargo branch managers requesting that overdraft protection be permanently disabled so transactions would simply decline when funds are insufficient, but I have never received a clear resolution. 

Up to today, Wells Fargo continues to process these transactions instead of declining them, directly contradicting my written and verbal requests. The financial and XXXX XXXX this has caused is enormous. I feel taken advantage of by a bank I trusted since XXXX. The way Wells Fargo manipulates transaction timing and pending holds feels predatory, intentional, and deeply unfair.

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 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have communicated with US Bank a number of times. Although they gave me a small credit on my credit card ( which was recommended by the scammer to use, while I was transferring funds from USB to another bank ). Please see my previous reports ( XXXX and XXXX ). They also stated that XXXX XXXX, the alleged name of the scammer, was not one of their employees. The loss of my annuities was not addressed. The only employee in the bank whose first and last name I know, is XXXX XXXX. I explained to her about the loss of of the annuities, and she said she would elevate this to a higher level. No further contact commenced after that except for me trying to connect to her. 

To this day, I have contacted the XXXX, FTC, XXXX, local sheriff in XXXX XXXX and an attorney to write letter, hoping they would come to the table. The bank did not respond except for a cc from a letter to me in which the bank denied any accountability. 

I repeat, I called the bank, was transferred to the fraud dept. and was connected to a scammer who put me through a scenario to " protect my assets ''. 

Earlier this year, I sent my XXXX call list to the bank. They never confirmed receipt. Along with the spoofed nos. from the scammer, are the calls I made to the number on back of my debit and credit cards. 

This time, I had to again send them the call list separately, as I was unable to attach it to this online form. However, was able to attach the XXXX letters that are relevant to this case. 

This is the address I sent the call list to. 

US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2025-10-27 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: SC

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XX/XX/2025, I was buying a XXXX  ticket from a XXXX group that has a value of {$500.00}, they have see themselves as verified group without any rules and policy about the transaction. At first I didnt get any suspicions. But when I having transaction with one of the admin they made me fill up a form ( XX/XX/2025 ), and again theres no policy that was included there. However, they have this refund fee that I need to give them. It stated from the form that I can get it back once I have received the ticket. I made a transaction through XXXX. Later on the admin told me that the seller backed up and need to choose another ticket which is much expensive with the previous one, it cost {$830.00}. So I asked if they already send the payment to the previous seller and she said no but you can pay the remaining balance if you were to purchase another one. So as I am desperate to buy a ticket I didnt think twice. I have comply with the admin and send the remaining balance through paypal ( XX/XX/2025 ). After her receiving the payment, she asked me for another refund fee of {$500.00}. So I gave her the another {$500.00} thinking that they have asked me because the value difference of the ticket. But after send the second refund fee, she asked me that she will give the ticket if I send her another {$200.00} for another refund fee. That time I have refused because of me being skeptical. So I backed out and told her that I wanted a refund, the fact that I havent received the ticket and I keep sending her the money. And she told me that I need to send here another {$200.00} for her to give me the refund money. I went back to XXXX to asked the seller a refund of {$500.00}, my first payment but I think the phone number is deactivated because I cant the account is having an issue as it stated.Thats were I contacted the paypal company ( XXXX XXXX, XXXX  ). The paypal customer service told me that they cant help with my problem directly, but they have sent an email to the seller that I have contacted them. If the seller wont comply, the customer service told me to call my bank. XX/XX/2025, called my bank but unfortunately they told me that theres a possibility that I wont be getting my money back with a total of {$1100.00}. And as of now I still have a contact with the admin and she still asking for refund fee for me to get my money back. And for the transactions, she keep sending me a lot of account to send the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
I was charged for a membership renewal from XXXX who I contacted and was told by them that they did not charge me I provided all that.info to citi cards as a fraudulent charge and they refuse to credit back that money charged to me back to my 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 monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-27 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: TX

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief