vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. These items are not transactions conducted by me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NM

Complaint narrative:
dear PNC BANK I NEED CLOSED CHECK ACCOUNTS ARE close accounts for bank account are old open account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi. Back in XXXX of XXXX XX/XX/year>. I disputed two Capital One credit cards from my 3 credit bureau accounts because they hit their out dated mark. I did it over the phone with a representative. She helped me remove 9 items. So did the other companies. Capital One took it upon theirselves to put them on the Capital One app with outstanding balances for me to pay. I told them they are outdated and old. And im not paying them. They were disputed and removed. They put a note on the app and told me my credit card accounts are suspended, and I will no longer be able to use them. I just moved but, every time I pay my car payment through them, I see that they are still there. I would like them removed, deleted, and to not hold them over my head. Im hoping to get them removed. Have a great weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In XXXX of this year I open day Priceline CC through Barclays. There were quite a few charges made to CC even before activation, ranged from {$20.00} to {$190.00} ( in total {$430.00} ), most on priceline. I came to know as I was setting up my account. Account was already on hold due to suspicious activity. I was asked to call the Barclay Bank fraud service department. I was given temporary credit pending investigation, account was closed and I was send a new CC. Same problem with new CC. Over next few days to my dismay and disbelief fraudulent charges from the first CC were denied. I called the Barclay Bank to find out reason for this denial. Agent stated that when they reached out to priceline.com they were told that I'm a customer of priceline.com so this were were not fraudulent charges. Priceline.com did not care to check my account. I was asked by the fraud investigation department to call priceline.com directly to get a refund. I attempted to call and chat with them, both were unsuccessful as I did not have any reservation number, without reservation number I can not get through. I called the fraud department at Bank again and reported my unsuccessful attempt to call priceline.com. I was asked if I wanted to reopen investigation which I did and I also submitted copy of my account activity on priceline.com. I was told that appeal after initial denial on investigation are generally denied again, furthermore on appeal I'm not giving temporary credits so I am stuck paying the bill and Hope investigation does more thorough job this time and priceline.com does its job. I am afraid this is a scam/insider job at priceline. I'm afraid priceline.com is inundated with this type of fraudulent activity and therefore they are not doing a honest investigation. I'm asking Barclays to press Priceline for more details on transection and it would be obvious that these charges are fraudulent. You have business relationship with them so you can demand the appropriate information, I can't even get them on phone.

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
End of XXXX or XXXX last year I bought a phone at XXXX XXXX XXXX XXXX XXXX CA XXXX and the phone was stolen!! I need that phone back! Police said the phone can be tracked!! And a friend said thru IP ADDRESS. 

I need statements of those 2 months and card that was used!! 

ALSO MY ACCT Was closed last year and I had to make XXXX calls for an entire 1 or 2 months!! 
Mark my words that XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX is going to XXXX XXXX XXXX XXXX fired and there will be a lawsuit!! 

My address is XXXX XXXX XXXX XXXX  CA XXXX XXXX Phone is XXXX Ok!!!

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 2025-10-05 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: KY

Complaint narrative:
I disputed this account in writing and requested verification of creditor, dates, balances, and ownership if sold. I also requested that no automated system ( e-Oscar ) be used. The bureau responded only verified, without any documentation, method of verification, or ownership disclosure. This is not a reasonable investigation under FCRA 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), and 611 ( a ) ( 6 ) ( B ) ( iii ). The 30-day period has expired, so the account must be deleted.

I never received a response from TransUnion on this dispute or any information that was reported at 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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: GA

Complaint narrative:
Im experiencing fraudulent activity with my Klarna account. Whenever I try to create a digital account, the following number shows up ( XXXX ) XXXX which belongs to XXXX XXXX out of Illinois. A Klarna representative told me to dispute the number with the credit bureaus which I did and the number is no longer on my credit profile. However, Klarna can not remove the number from my account. Im a victim of identify theft and somehow this persons number is linked to account and Klarna cant rectify the issue. Klarna representatives has continuously referred me to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX application # XXXX On XX/XX/XXXX Digital Federal Credit Unions denied me an extension of my credit for a auto loan for {$47000.00}. According to Digital Federal Credit Union You guys have denied my application due to unpaid charged-off accounts and collections account on my consumer report. I am the cardholder & cardholder In due course in pursuant 15 USC 1602n. I am the individual who used the credit card to initiate the transaction. Its not possible for me to be denied for something that I initiated. The term credit refers to the right granted by a creditor under 15 USC 1602f. No where does the term adverse action in the FCRA talk about denial of credit to a natural person. I regularly extend credit in connection to loans as outlined in 15 USC 1602g. As the original creditor it is unlawful to deny my right to extend credit. Furthermore, my right was used without benefit to me. An inquiry has appeared on my consumer report indicating the transaction was somewhat profited it and I gain nothing in fact this denial of my right has caused mental and financial damage. The term unauthorized use this is defined in section15 USC 1643 Mean the use of a credit card by some XXXX other than the card holder. From which the cardholder gain no benefit. I have been discriminated as there are no federal law allowing credit scores to deny my right to extend credit. In good faith I exercise my right and as a natural person I face discrimination and pursuant to 15 USC 1691 it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction for the damages that has caused my mental wellbeing and financial reputation. I take my consumer report very seriously and will escalate it to a federal level if my request to reopen the account where adverse action occurred is not addressed. Im aware of my open end credit plan defined in truth and leading

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 2025-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-05 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-10-05 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called the company on XX/XX/year> to ask why my account was closed without my authorization and that I wasn't past due on my account. I was informed that my account was closed because I had not used the card. 

I did not recieve any notification, via mail or telephone, that my account would be closed if I didn't make a transaction. I did not know that my account was closed until I did a credit score check. Closing the account lowered my credit score and I was not notified that I needed to make a purchase with the card to keep it active.

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 2025-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This complaint concerns improper charges and lack of billing notices on a closed NTB credit card account. 

Although this account was closed several years ago, the company continues to add late fees, finance charges, and interest without ever sending billing statements or payment notices. Despite multiple requests, the company has provided no proof that any notices were sent. 

Under the Fair Credit Billing Act ( FCBA ), creditors are required to provide periodic billing statements whenever balances or fees are assessed. By withholding statements while continuing to add charges, the company deprived me of any opportunity to make timely payments or even know that amounts were allegedly owed. This conduct directly violates federal billing requirements and constitutes unfair and inaccurate credit reporting. 

The company has also reported delinquencies to credit bureaus for these unnotified charges, damaging my credit for fees I had no reasonable way to address. Continuing to assess penalties on a closed account without proper notice or documentation is both misleading and unlawful. 

Requested Resolution : Provide documented proof that billing statements or payment notices were sent after account closure. 

Remove all late fees, finance charges, and penalties added without proper notice. 

Correct any negative or inaccurate credit reporting resulting from these actions. 

Cease all further collection efforts or communication regarding this closed account. 

If this matter remains unresolved, I request that it be reviewed for violations of the Fair Credit Billing Act and related consumer protection laws.

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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: FL

Complaint narrative:
I just got a notice from my Credit Report I was over Balance on one of my credit Cards. When i looked into it, i realized that it was my XXXX XXXX Credit card. While looking at my statement it shows that I paid my balance due of {$41.00} BUT I was also charged a Late Fee of {$41.00}. This payment was not made late. It was postmarked the day it was due. Which shows in my bank account statement as well. {$41.00} paid on XX/XX/XXXX, XXXX meaning my payment was not late I would like that late fee removed, my balance updated and corrected with my Credit Report as well. 

XXXX XXXX  Account Statements Screen Shot attached

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
I dispute the inconsistent and inaccurate Mortgage Reporting. I dispute the payment history and status of my mortgage account. The data is internally inconsistent and therefore inaccurate. The account " Stauts '' is reported as " Pays As Agreed. '' However, the XXXXmonth history repeatedly shows a " Past Due Amount '' ( e.g., {$1500.00} in XX/XX/XXXX ). An account with a past due balance can not, by definition, be " Pays As Agreed. '' This contradiction makes the information misleading and unverifiable, violating 15 U.S.C. 16813 ( b ). The payment history grid shows a significant number of late payments ( XXXX, XXXX  days ) in XXXX, XXXX, and XXXX. However, the XXXXmonth history table frequently shows a " Past Due Amount '' ( e.g., {$1500.00} in XX/XX/XXXX, {$2500.00} in XX/XX/XXXX ) while the " Status '' is " Pays as Agreed. '' This is a direct contradiction. An account can not be " Pays as Agreed '' while simultaneously having a past due balance. This internal inconsistency renders the information inaccurate and unverifiable under 15 U.S.C. 1681e ( b ). It appears the servicer may be applying payments in a manner that creates these discrepancies, which could also implicate issues under * * 15 U.S.C. 1666b * * ( Credit of Payments ) of the Truth in Lending Act ( TILA ). The conflicting data calls the entire payment history into question. I request that you investigate with the furnisher to reconcile these discrepancies and ensure the payment history and status are being reported accurately and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
The XXXX major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached ftc 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 explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
The XXXX major credit reporting agencies are reporting unauthorized fraudulent hard inquiries on my credit report. Please see attached dispute letter and attached ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I went to use my card today to pick up a prescription and card was declined because no new card was sent as a replacement. Expired on XX/XX/year> Got home and called Synchrony bank and they closed my card for inactivity! 

No notice that it was going to be closed for inactive, no email, no letter in the mail. 

The customer service agent said nothing was sent. So now the credit history and credit limit are gone and all they can say is reapply?

A new credit inquiry which affects my credit score because of them closing 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 explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent Caine & Weiner a debt validation request via certified mail regarding an alleged debt with XXXX for approximately {$340.00}. The certified mail receipt confirms that they received the letter on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, they are legally required to provide verification of the debt upon request. Despite receiving my letter, Caine & Weiner failed to provide any response or validation of the debt. Because they did not fulfill their legal obligation, I am requesting that the alleged debt be removed from my credit report and that all collection activity cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
When I was doing my taxes in XXXX, I came across a whole bunch of transactions from XXXX that range from XX/XX/XXXX to XX/XX/XXXX from XXXX. I do not have an account with this company nor have I ever so naturally, I disputed all of these transactions and there were a lot of of them. Well, Cash app decides to send me a whole bunch of emails telling me that my identity was not verified and I needed to verify my identity to continue with the disputes so I tried and each one that I did, it would fail my identity check though that doesnt make sense because my drivers license is up-to-date. My picture matches my drivers license because it is me. I was taking non-blurry photos, but it still failed me and closed my account and whenever I try to reach out for help I was just getting the runaround. They werent answering my question they were saying oh we cant tell you how long the dispute is gon na take. Thats not what I was asking. I was asking why my identity verification had failed and then they would just tell me where your identity is already Verified and then finally they were like we cant talk to you anymore about this and they approved several of my disputes, but then denied a whole bunch of them and just denied the rest today with no explanation and said I can not open a new card and Im just out that money that was stolen from me. I tried to explain to them that I was doing my taxes and I found it and I also tried to explain to them that Ive had my identity stolen before and this it happened before, but they went ahead and close my account and would not work with me and Im just out XXXX of dollars because of it.

Company response to consumer: Closed with explanation