vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america is telling you that they are still " working on the matter '' but that is a lie. This is the letter that they sent to me AFTER i file this complaint. They have injured my credit worthiness and closed my account without my permission and I need to be restored because there is no way out of the trap of a lower debt to credit line ratio because of their unwarranted action. I have perfect credit and have never been late. I have worked my entire life for perfect credit and only one other time was it injured and it was by bank of america in 2016 over another error of theirs ( under {$30.00}. their fault. Took my credit from perfect to XXXX XXXX 's as they have recently done again ). this is my original case # with you. 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 2025-08-31 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: MI

Complaint narrative:
In XX/XX/year>, I paid {$640.00} and {$200.00} to XXXX XXXX XXXXXXXX XXXX XXXX  ) through my Barclays Aviator Mastercard. XXXX markets itself as a platform to connect entrepreneurs with investors and advertises a refund policy : if no genuine investor interest is received, the customer may request a free re-listing or refund. 

I followed their policy exactly : XXXX XXXX XXXX XXXX  I requested a free re-listing ( well before my listing expired ). 
XXXX XXXX : XXXX promised a rewrite and re-listing. 
XXXX XXXX & XX/XX/XXXX : I followed up due to lack of updates. 
XXXX XXXX : XXXX claimed to have re-listed and nudged investors, but in reality no changes or promised rewrite advice were delivered. 
XXXX XXXX : I requested a refund, within the timeframe required by their refund policy. 
XXXX XXXX : XXXX responded only to say they noticed I disputed with my bank and then refused further engagement. 

XXXX later provided Barclays with a rebuttal claiming investor interest. However : -Expired Pitch Blocks Evidence Once a pitch expires, XXXX locks users out of their own investor communications. This prevents customers from accessing message history to prove whether engagement was genuine. A legitimate platform would preserve full access to message history. 
XXXX XXXX Was Unsubstantive None of the listed interested investors ever replied to my follow-up messages. They disappeared immediately, exactly matching dozens of independent reviews ( XXXX, XXXX, XXXX, etc. ) describing ghost investors and last-minute automated interest. 
-Refund Policy Was Breached XXXX refund terms require contacting investors, requesting re-listing before renewal, and requesting a refund before the end of the second listing. I complied with all three, yet XXXX refused to honor their own policy. 
XXXX XXXX XXXX XXXX in Practice Their Terms & Conditions ( Section XXXX, Section XXXX ( f ), Section XXXX ) describe a functioning investor platform, immediate work justifying loss of cancellation rights, and a ban on misrepresentation. In practice, no substantive work was delivered, investor interest was manufactured, and the service failed its own standards. 

This is not an isolated issue. Many customers describe the same pattern : unsubstantive investor interest, denial of refunds, and refusal to engage.

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 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
Was tricked into a lease agreement by monterey financial. What i thought was a pay in XXXX loan in XXXX, turned out to be a year long lease after the first month. This doubled the price of the product. This was not clear in the initial contract. And as a service member I was sent to training and unable to pay or pull out of agreement in the first month due to service obligations and lack of service. I would like to pay the amount of the product and nothing more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the reporting of an account on my credit report. I am listed as an Authorized User on a Capital One credit card account, but I am no longer associated with this account. 

The account details are as follows : Creditor Name : Capital One Responsibility : Authorized User Since I am not financially responsible for this account and have requested to be removed as an authorized user, I kindly request that this account be removed from my credit profile as allowed under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX  has failed to it's legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report.leaving inaccurate or unverified accounts unresolved.The Consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failling to forward consumer - provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumer of dispute outcomes.These failures align with my experience, where XXXX  has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX  alleging systemic issues such as failling to forward consumer - provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumer of dispute outcomes.These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided causing on going harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts as XXXX  inaction violates federal law and my rights as a consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-31 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not have a business relationship with this company. My complaint was addressing the fact that this account was investigated and removed from my credit reports. This agency illegally reinserted this account on my credit report.

Reporting Under Multiple Names ( FCRA 1681s-2 & FDCPA 807 XXXX XXXX XXXX XXXX XXXX XXXX is reporting the same alleged debt under different names and/or variations, which creates confusion, misrepresentation, and constitutes deceptive practices. This is a direct violation of FDCPA 807 ( 1 ) which prohibits false, deceptive, or misleading representation and FCRA 1681s-2 ( a ) which prohibits furnishing inaccurate or misleading information to credit bureaus.

Illegal Reinsertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) After prior disputes, this account was deleted from my credit report. XXXX then reinserted the same account without providing me with the legally required five-day written notice of reinsertion. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Under this law, reinsertion without proper certification and consumer notification is prohibited, and the item must be permanently removed. Under FCRA 611, any account that can not be verified must be deleted within 30 days of the dispute.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This has been sold and charged off, and a collection agency has purchased it. I was not informed of the debt. I have disputed this item in various ways to have it removed from my credit report. From my understanding, it is against the law for a collection agency to buy debt after the account has been paid and settled. Additionally, a credit bureau should not report a collection on your report without your knowledge. I am aware of certain laws, and I have worked hard to correct these errors without assistance in getting things updated and removed according to 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 non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This has been sold and charged off, and a collection agency has purchased it. I was not informed of the debt. I have disputed this item in various ways to have it removed from my credit report. From my understanding, it is against the law for a collection agency to buy debt after the account has been paid and settled. Additionally, a credit bureau should not report a collection on your report without your knowledge. I am aware of certain laws, and I have worked hard to correct these errors without assistance in getting things updated and removed according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
I called US Bank and filed for fraud. When somebody hacked and took {$250.00} from my account. They supposedly had sent me a letter. I had never received so I could not send it back to them. They sent me to XXXX and they took the XXXX back. I have repeatedly tried to Contact tem to resolve the issue. and they have refused to resolve the issue and due to them taking the money back a bunch of Overdraft draft fees have accumulated. I went {$330.00} negative. When I should be {$90.00} positive and they forcibly have closed my account. I do not wish to open account. I just want my money back and my name to be cleared to other banks.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Ive had multiple things be hacked into with that big XXXX leak. My email address was hacked into and a lot of my accounts for online stuff was hacked into. Huntington bank froze my account, after filing a dispute without any notice or hearing anything. Which is fine you can choose what customer you want but send me an email or something I have no access to check for an update on the dispute. The dispute # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-02 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 formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint because Equifax is not providing my credit score, even though I have active credit accounts being reported. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate and complete files and provide consumers with access to their credit information, including credit scores that are available from their records. 

Despite having open/active accounts and recent reporting activity, Equifax continues to show No Score ( or fails to display a score at all ). This creates a disadvantage for me as a consumer because it may : Prevent creditors or lenders from properly evaluating my creditworthiness.

Cause discrepancies when compared to XXXX XXXX XXXX, which are both providing scores. 

Suggest possible reporting errors, incomplete data, or mishandling of my credit file. 

Requested Resolution : Investigate why Equifax is not showing my credit score. 

Correct any missing, incomplete, or inaccurate data preventing score generation. 

Ensure my credit score is properly calculated and displayed in line with industry standards. 

Provide documentation of the investigation and the basis for the resolution. 

I am requesting this matter be resolved fairly and promptly in accordance with FCRA 1681i ( Reinvestigation of disputed information ) and FCRA 1681g ( Disclosures to consumers ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One closed and charged off all of my credit cards after a XXXX XXXX  XXXX XXXX incident caused returned payments. Although late fees and returned check fees were initially reversed, Capital One failed to reduce my inflated minimum payments. A {$35.00} minimum quickly ballooned into $ XXXX, which representatives admitted was ludicrous but refused to fix. XXXX also compounded this by repeatedly attempting withdrawals, creating excessive fees. 

These predatory escalations were not the result of missed payments, but the direct result of fraud and mishandling by XXXX XXXX XXXXXXXX and Capital One. The outcome was the closure of all my Capital One accounts, massive derogatory reporting, and severe damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I made a purchase for {$3800.00} on a vehicle then right after my account got suspended.

Company response to consumer: Closed with explanation