vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OLD NATIONAL BANCORP
State: TN

Complaint narrative:
XXXX was made on XX/XX/XXXX with XXXX for {$10.00}, this transaction was finally shown as " pending '' and deducted from my available balance 31 days later on XX/XX/XXXX. 

Purchase was made at XXXX for {$33.00} on XX/XX/XXXX, this transaction was finally shown as " pending '' and deducted from my available balance 13 days later on XX/XX/XXXX. 

Since I had not made purchases on the days the charges appeared on my account I first was concerned about fraud, I spoke with the merchants who confirmed the purchase dates. The purchase at XXXX was made in store at a register, and they confirmed they close out their transactions nightly. I spoke with the bank, and they stated that it was entirely the merchants fault, and said they " may hold the card transactions to run all at once '' and compared it to " her daughters dance studio '' that has a single owner that only runs cards once a month. This is not the case for either merchant, and has never been an issue previously. Due to these purchases being processed 2 weeks and over 1 month later I incurred overdraft fees on 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 2025-10-30 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have XXXX Capital One credit card accounts that were recently charged off. Before they were closed, the interest rates were so high that my monthly payments were not enough to cover the interest. This caused my balances to grow larger despite my payments. XXXX account currently shows a balance of {$3600.00}. 
Details : I repeatedly explained my financial hardship to Capital One, but they did not offer meaningful assistance. Instead, interest charges kept accumulating to the point where I could not realistically pay down my debt. This led to both accounts being charged off, damaging my credit and worsening my financial situation. 
Context : I am aware that the Consumer Financial Protection Bureau ( CFPB ) has sued Capital One for allegedly cheating customers out of billions of dollars in interest payments. My personal experience reflects this pattern being charged interest rates that made repayment impossible, even when I made regular payments. 
Request for Resolution : I respectfully request that Capital One and the CFPB review my case and take the following actions : Adjust or remove unfair interest charges that caused my balance to spiral. 
Provide a fair resolution and repayment plan that acknowledges my hardship. 
Correct any unjust damage to my credit report caused by these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Their advertisements stated clearly that filling out the form would guarantee a {$50.00} loan. I did just that and was denied. It was a blatant lie and they collected all of my personal data. I want to file a lawsuit against the company, One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is against Experian, which has willfully and repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to delete fraudulent and inaccurate accounts after multiple disputes and written notices. 

I have demanded that Experian verify the validity and method of verification for the following accounts, which do not belong to me in any capacity. Experian has ignored those demands and continues to report false, damaging information tied to another person with a different name and different address. My name is XXXX  and the following fraudulent accounts must be permanently removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also made it explicitly clear that the name XXXX XXXX is not me, never has been me, and never will be me. XXXX continued association of my file with this unrelated individual is reckless, irresponsible, and unlawful. 

By continuing to report these false accounts, Experian is in violation of FCRA XXXX ( b ), XXXX, and XXXX, failing to ensure maximum possible accuracy, failing to conduct a proper reinvestigation, and willfully reporting known false information. XXXX behavior demonstrates gross negligence, bad faith, and a blatant disregard for federal law and consumer rights. 

I am demanding immediate federal intervention by the CFPB to compel Experian to : XXXX. Provide a full and documented method of verification, including the name, contact, and data source of each furnisher used ; XXXX. Permanently delete all fraudulent accounts and the false name XXXX XXXX from my file ; XXXX. Provide written confirmation of correction within 30 days ; and XXXX. Be investigated for repeated and willful noncompliance with federal law. 

XXXX refusal to correct these blatant inaccuracies after being fully informed of identity confusion and fraud is a direct violation of my consumer protection rights. I am holding Experian accountable for defamation of character, willful negligence, and unlawful reporting practices that have caused measurable harm to my reputation and credit standing.

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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I hold a Citizens Access high-yield savings account. Interest is supposed to be compounded daily and credited monthly. For the period of XX/XX/XXXX to XX/XX/year>. The interest that should have been credited to the account was not posted, was posted incorrectly, or the credited amount does not match the daily accrued interest that should have been earned based on the published XXXX. 
The account statement is not available on their website and the interest has not been credited. I contacted Citizens Access via chat & by phone call XX/XX/XXXX to request a review and clarification. I requested a breakdown of the interest calculation for the affected period, but I have not received a satisfactory explanation or correction. 
I am requesting that the bank : XXXX. Conduct a review of the interest calculation for the affected month ( XXXX ). 
XXXX. Provide a written explanation of how interest was calculated during that period. 
XXXX. Correct and credit any interest that was earned but not posted. 
I am seeking a prompt resolution : I am requesting that Citizens Access review the interest calculation, provide documentation showing how interest was calculated, and credit the proper amount if an underpayment occurred. I am also requesting written confirmation when the review is complete. 
I have attempted to resolve this directly with Citizens Access customer support, but I have not received a clear calculation or resolution. I was told yesterday that they would send an email to their customers about this reporting problem by end of day yesterday. That did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/year> XXXX payments in the amount of {$200.00} was withdrawn from my account My loan amount due monthly is {$140.00}. I requested a refund and got a check in the mail for {$200.00}. The following month statement came out saying I owe {$340.00}. I have never missed a payment. I have never been late on any payment but my account got sent to collections.

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 2025-10-30 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: TX

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
Complaint Regarding Unlawful Fees and Loan Terms Loan Note No. XXXX Complaint Details : Your Information : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX or as the on on the loan application XXXX XXXX XXXX XXXX XXXX Tx XXXX Email : XXXX Phone : XXXX Company Information : Company Name : XXXX, XXXX XXXX XXXX XXXX XXXX : MoneySpot USA dba Sunshine Loans Loan Note Number : XXXX Loan Date : XX/XX/year> Description of Complaint : I am disputing the terms, fees, and APR charged on the above loan. The fees appear to exceed what is legal under Texas law. I request a full accounting of the loan, including : 1. An itemized statement showing how each payment was applied ( principal, interest, and any additional fees ). 
2. Copies of all contracts and agreements I signed.

3. A detailed explanation of any fees and charges assessed.

I believe that some or all fees may be unlawful. If these fees can not be justified as legal under Texas law, I request the return of all unlawful fees and cancellation of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that the XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you fix any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. Therefore, I demand that only factually accurate, verified, and compliant data be documented in it. 

CREDIT COLL - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
In XXXX, my employer began withholding wages due to a garnishment initiated by the Virginia Department XXXX XXXX and enforced by Harris & Harris XXXX, a private debt collector located in XXXX, Illinois. The alleged debt relates to past Virginia state tax years ; however, I have formally disputed both the validity and accuracy of the amounts owed. 

Since XXXX, I have repeatedly submitted written requests to both the Department XXXX XXXX and Harris & Harris for a full accounting of my records. Specifically, I requested documentation showing how payments, garnishments, offsets, federal refund applications, and Virginia tax rebates from XXXX through XXXX have been applied. I also requested that all collection activity, including wage garnishment, be suspended until I receive proper verification and documentation. 

Despite these requests, neither Harris & Harris nor the Virginia Department XXXX XXXX has provided the required verification. Instead, they continue to garnish my wages each pay period while ignoring multiple written disputes and follow-up emails. 

Harris & Harris Ltd. is a private, third-party debt collector and therefore subject to the Fair Debt Collection Practices Act ( FDCPA ). Under XXXX U.S.C. XXXX ( b ), all collection activity must cease once a consumer disputes a debt in writing until verification of the debt is provided. The companys decision to continue garnishment despite my ongoing dispute violates this federal requirement. 

Additionally, the Virginia Department XXXX XXXX has failed to comply with its own recordkeeping obligations under Virginia Code XXXX, XXXX, and XXXX, which require the agency to maintain and furnish complete records of assessments and collections. Repeated failures to provide those records while continuing to enforce a garnishment deny me due process and the ability to confirm whether the alleged balance is accurate. 

As of today, I have received only basic tax transcripts that omit critical payment and offset information. The Department claimed that additional records, including garnishment details and state refund offsets, were mailed on XX/XX/XXXX, but nothing has been received. My wages continue to be garnished despite the absence of documentation or verification. 

I am requesting that the CFPB investigate Harris & Harris Ltd. for violations of the Fair Debt Collection Practices Act, require the company to suspend all collection and notify my employer in writing to halt garnishment, and ensure that a full, verifiable accounting is provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Thrift Investment Corp.
State: NY

Complaint narrative:
Thrift investment has engaged in practices that violates several federal consumer protection statues including. 
XXXX U.S.C. XXXX and XXXX Unfair, deceptive, or abusive acts or practices ( XXXX ) and failure to provide transparent consumer access to financial information ; XXXX U.S.C. XXXX Failure to properly credit or apply payments in compliance with the Truth in Lending Act ( TILA ) ; XXXX U.S.C. XXXX et seq. Violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting and lack of reasonable dispute procedures ; XXXX U.S.C. XXXX Possible fraudulent conduct related to financial institutions and misrepresentation in obtaining credit. 


Specifically, I allege that : XXXX. I was provided misleading or incomplete loan terms at the time of signing ; XXXX. Payments and fees were not applied or disclosed accurately ; XXXX. My credit information was reported or shared in a manner inconsistent with federal law ; and XXXX. Attempts to obtain full documentation or correction have been met with noncompliance or delay. 



I am requesting the XXXX  assistance in : Reviewing the actions of Thrift investment Ensuring compliance with the above statutes ; and Requiring the correction of any improper loan terms, reporting errors, or financial harm. 


Enclosed are copies of my loan documents, correspondence, and payment records. Please contact me if further information or verification is required. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
I reached out to this company multiple times about inaccurate information reporting on my credit report due to the data breach this company is still reporting information that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Sources receivables management XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX NC XXXX. Trying to collect debt I dont own any more. I already paid in full with XXXX On XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX, 2025 -- Bank of America claim number : XXXX I opened a credit card charge amount dispute claim to Bank of America ( BoA ). Instead of a charge {$17.00} for XXXX taxi service, the merchant charged {$530.00}. 

XXXX XXXX, 2025 BoA rejected my claim due to no receipt provided by me. The taxi driver is a scammer. He did not provide me any receipt in email as promised. 

I called BoA. BoA stated the merchant did not provide any evidence of {$530.00} charge. 
BoA promised me to re-open the case if I can fax a letter of the details what happened. 

XXXX XXXX, 2025 I faxed the BoA the detail letter. 

XXXX XXXX, 2025 I called BoA, BoA confirmed receiving my letter and reopened the case. 

XXXX XXXX, 2025 BoA rejected my claim again. 

XX/XX/year> I called BoA. BoA stated I had no receipt for rejection. The merchant did not get any evidence to BoA.

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 2025-10-30 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:
Would you recheck this entry? Its tardy and might be wrong.

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 2025-10-30 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief