vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
XX/XX/scrub>, 2025, Marcus by Goldman Sachs sent me a text if I would give permission to make a purchase at a store Called XXXX  located at XXXX XXXX. XXXX, XXXX XXXX, Ca. XXXX. I accidently text yes then I realized I did not want the purchase texted NO, TO LATE. So, I disputed the charge. I have disputed the charge now 8 times each time within 3 to 7 days they cancelled my dispute. I have talked to 12 different people in the company, 1 gentleman told me I had to prove my innocence myself so on XX/XX/year>2025, I called the XXXX XXXX talked to a security person and asked if he had pictures of a sale that was made on XX/XX/year>2025, between XXXX and XXXX that day. 4 hours later he said yes, the person that made the {$250.00} purchase of gift cards was a regular customer and somehow used my numbers to make the purchase. I sent all my information to Marcus. I have called XXXX and nobody from Marcus has ever called them to check on the identity of the purchaser. I have filed a police report with the XXXX XXXX XXXX XXXX XXXX case # 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 2025-08-02 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: TX

Complaint narrative:
I am submitting this dispute directly, without any third-party involvement. As a victim of the 2017 Equifax data breach, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to demand immediate correction of inaccurate and unauthorized information on my credit report. 

Specifically, I am disputing the following : Unauthorized Inquiries ( FCRA 604, 609 ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX. 

Incorrect Personal Information ( FCRA 609 ( c ) ( 1 ), 611 ) : Please delete or correct all inaccurate previous and current addresses on file.

Fraudulent or Unverifiable Accounts ( FCRA 611, 623 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. 

I request prompt deletion or correction of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One restricted my account with no warning, blocking scheduled payments and preventing access to my funds. I was told this was due to a verification email that I never receivedthere is no record of this email in either my inbox or spam folder, nor was there any notification in the Capital One app, which is where I manage my account. I was told the date an email went out and checked two separate emails linked to the account and it was not on either. I was not informed that my account would be restricted. I only discovered the issue after failed transactions. 

I got no clear response on the issue and that it could be things like a SSN issue that needed to be verified. A supervisor later told me I would have to wait XXXX business days for full access, XXXX XXXX XXXX miles to a branch or an ATM to get temporary access funds while on the phone with customer service. Ive been using this card and account without problems for a very long time, and if there is a huge issue there needs to be a notification of it before my account is restricted, I got XXXX chance to prevent this as I want not properly notified. This is deeply unethical. Ive received no explanation of which transactions are allowed, and no accountability for the complete lack of notice. This has interfered with my ability to pay bills and buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
Experian is reporting XXXX, XXXX and XXXX of XXXX as charge off. It is against the FCRA to report multiple months as charged off. Only 1 month can show charge off. Also XXXX of XXXX their reporting shows NO DATA. A double payment was made XX/XX/XXXX in the amount of {$120.00} but their reporting shows NO DATA. This payment was the last payment and this account would've been paid in full. This inaccurate and incomplete information is serious errors in their reporting.

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 2025-08-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with WELLS FARGO or any of the affiliates. I have confirmed and advised WELLS FARGO that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how WELLS FARGO approved a credit under my name, without doing any further review and confirmation. Given the fact that WELLS FARGO has the right to investigate and obtain all necessary information prior to approving any credits, WELLS FARGO has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, WELLS FARGO must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that WELLS FARGO must comply with prior to approving any credit card/lines to anyone. Pursuant to WELLS FARGO 'S online advertisement, WELLS FARGO encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from WELLS FARGO stating that my information was used or attempted to be used in order to open an account. Thus, WELLS FARGO has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, WELLS FARGO violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for WELLS FARGO to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-02 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: WA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of several accounts currently reported on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ), which entitles consumers to dispute inaccurate or incomplete information. Specifically, I am disputing the following accounts : XXXXXXXX XXXX XXXX XXXX  ( Account ending in XXXX ), which lists late payments resulting from fraudulent activity. I have never been late in making my payments, and my records can show consistent timely payments. These late payments are inaccurately reported, and I request immediate correction or removal in accordance with FCRA guidelines. 

Additionally, I am disputing the XXXX XXXXXXXX accounts ending in XXXX and XXXX. The account ending in XXXX includes a balance of {$9900.00} resulting from fraudulent charges. According to XXXX XXXX Liability policies, I am not liable for unauthorized charges. Reporting this balance and status as accurate is a violation of the FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. The account ending in XXXX inaccurately reflects late payments. Since these dates are incorrect and unverifiable, the continued reporting constitutes a violation of FCRA XXXX ( b ), which requires maximum possible accuracy. 

Furthermore, the XXXX XXXX XXXX account ( Account XXXX ) reflects a charge-off status that I formally requested be investigated and removed. Despite my dispute, no investigation was conducted as required under FCRA 1681i ( a ) ( 1 ) ( A ). Furnishers and credit reporting agencies are required to conduct a reasonable investigation once a dispute is submitted. Your failure to respond within the prescribed timeframe and failure to conduct any investigation is a clear breach of your statutory responsibilities under the FCRA. 

Lastly, the XXXXXXXX XXXX XXXXXXXX. account ( ending in XXXX ) reflects a charge-off with a balance of {$20000.00}. I am requesting proof of the last payment to verify this accounts accuracy. Under FCRA 623 ( a ) ( 3 ), a furnisher must correct and update information when necessary to reflect the current status of the consumers account. Reporting this charge-off without validation and failure to correct it upon request violates the duties of furnishers under the FCRA. Please correct or delete these items immediately to ensure compliance with federal 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as my formal identity theft dispute and demand for the immediate removal of multiple fraudulent accounts and unauthorized inquiries currently appearing on my Experian credit report. I am a confirmed victim of the XXXX XXXX  data breach, which exposed my name, Social Security number, date of birth, address, and drivers license number to unauthorized third parties due to XXXX negligence. As a result, my personal information has been exploited to open accounts and initiate inquiries that I did not authorize, approve, or initiate. 

Fraudulent Items to Be Permanently Removed : Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have two cards with Citi, a XXXX credit card and XXXX XXXX credit card ( both are general purpose cards and can be used anywhere ). Citi has automatic fraud detection models that dont work correctly. Ive only used my XXXX card once and its already locked. I have had similar issues with the XXXX XXXX card. If you sneeze too hard theyll lock your account. Then you have to call them and wait on hold for an hour for someone to unlock it.

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 2025-08-02 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: TX

Complaint narrative:
I am writing to formally dispute an alleged late payment report on my account. This payment was reported by XXXX to your agency. 
[ Experian/Transunion/Equifax ] XXXX and XXXX XXXX, and I believe this entry is inaccurate. The payment in question is identified as late but I do not believe the creditor has followed legal requirements to report it as such under the fair credit reporting act ( fcra ) and related laws. Legal Basis for dispute- Under 15 U.S Code 1681a ( 2 ) the term consumer report does not include reports that soley contain information regarding transactions or experiences between a consumer and the person making the report, As such any transaction or experiences between myself this account shouldnt be in my consumers credit

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
Someone else is using my information to apply for loans in my name to multiple companies.. I have not been applying for loans or any form of credit for the past year and 8 months. I've been building my credit back up since the last identity theft issue I had. XXXX XXXX  XXXX  has been trying to withdraw repayments from my chime bank account .. the company 's are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and advance financia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Navy Federal Credit Union ( NFCU ) and XXXX regarding the ongoing suspension of my XXXX account. The suspension was allegedly initiated after my mother-in-laws bank supposedly flagged a transaction as fraudulent. However, we have contacted her bank directly, and they confirmed in writing that no fraud report was ever submitted.

Despite this, Navy Federal has continued to restrict my access to XXXX with no due process, and I have not been accused of violating any terms or committing fraud. 

On XX/XX/year>, I spoke with XXXX, a supervisor in Navy Federals XXXX XXXX department. During the call, XXXX stated the following : He refused to provide a written explanation of why my XXXX account is suspended.

He also refused to confirm in writing that there is no timeline for resolution.

He stated that Navy Federal will not provide anything in writing, even though I requested a basic explanation, review status, or next steps. 
This conduct violates my rights under : 1. The Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 ) which requires financial institutions to conduct a timely investigation and provide writt
en results when a consumer disputes or is impacted by account limitations.

2. Regulation E ( 12 CFR 1005.11 ) which mandates that written notice be provided explaining findings of any investigation and the consumers rights.

3. The Consumer Financial Protection Act ( Dod
d-Frank Title X ) which prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ).

Navy Federals refusal to document why my financial access is being restricted, and their failure to offer a resolution timeline, may constitute such an unfair act.

I am currently unable to send or receive money via XXXX, a vital financial tool, and I have received no formal notice, explanation, or resolution plan. This lack of transparency and accountability is unacceptable and harmful. 

I am requesting the following : XXXX. A full written explanation of why my XXXX account was suspended 2. Documentation of any fraud report Navy Federal received and who submitted it 3. A clear resolution timeline or reinstatement process 4. A regulatory investigation into Navy Federals and XXXX XXXX with EFTA, Regulation E, and UDAAP standard Please investigate this matter and take appropriate action. I am happy to provide call logs, names, and any supporting documentation upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Capital One Locked Checking Account and Withheld Funds Without Explanation I have been a Capital One credit card customer for over two years and a frequent user of Capital One XXXX. Earlier this year, Capital One reached out with a promotional offer of {$300.00} to open a new checking account and move my direct deposit over. As I was about to change jobs, it seemed like a good opportunity to switch checking accounts after 25 years with XXXX XXXX XXXX. 

I opened a Capital One checking account and arranged for my new employer to send my first paycheck via direct deposit. After it cleared, I initiated a couple of XXXX transfers to my old XXXX XXXX XXXX account to begin consolidating funds. Shortly after that activity, my Capital One checking account was locked without warning. 

When I called Capital One customer service, I was told that the bank no longer wished to do business with me and that my account was being closed. No explanation was given. I was instructed to visit a local branchin my case, the XXXX XXXX branchto verify my identity before they would release my funds. 

Meanwhile, my second paycheck was also direct deposited into the same account. At the time of this complaint, there is approximately {$6700.00} locked in my Capital One account that I am unable to access. 

I visited the XXXX branch in person and provided my drivers license, passport, and Social Security card to verify my identity. Even after doing so, I was given no clarity about the situation. A supervisor confirmed that they could not explain the reason for the account closure, nor provide a timeline for when ( or if ) the funds would be released. 

This is creating significant hardship. I have bills due and XXXX children in college, yet my legitimately earned income is being withheld without any transparency or recourse. Both of these direct deposits were from XXXX, the largest payroll processor in the XXXX. 

Whats most disturbing is that this appears to be a pattern of behavior by Capital One. Online reports indicate that many others have had their new checking accounts abruptly shut down after making depositsoften following promotional offersand that it can take months to get their money back. 

How is it legal for a bank to accept direct deposits, then freeze access to those funds without any due process or timely resolution? I am a homeowner, have excellent credit ( high XXXX, often XXXX ), and have never had an issue with any financial institution until now. 

I am requesting the XXXX assistance in compelling Capital One to immediately : Explain the reason for this account action Expedite the release of my funds Review whether this conduct violates any applicable consumer protection laws or promotional account terms Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transform Credit Inc.
State: FL

Complaint narrative:
Transform Credit inc Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I noticed a few inaccuracies when reviewing my credit report in relation to this account. 
The account I am referring to is a closed personal loan account. The account was closed and the original creditor is not listed. Theres a chance it could have went to collections, but it is not stating that information. Since the account is closed. I am asking that the account be removed from my credit report completely. Only one credit bureau is reporting this account and the others are not.

Company response to consumer: Closed with non-monetary relief