vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company Name - XXXX XXXX XXXX Backstory - Got into some credit card debt with Capital One. I was proactive and tried to negotiate a lower borrow rate so that I could pay them back directly. The interest was out of control and they were unwilling to negotiate so my debt was sent to collections. XXXX XXXX XXXX is the company that's reached out. I've been working on resolving this issue for literally years and the credit score impact is problematic. 

XXXX XXXX XXXX offered a great deal to settle my debt. I verbally agreed but asked for the agreement in writing and they have been non-responsive for well over a month now and I'm just trying to move forward and close out my debt. 

I wasn't sure how to categorize my complaint. When I call to speak to a real person, they escalate me to a manager who claims they're not able to provide our verbally agreed upon terms in writing and their portal reflects something very different. I ask who I need to speak to in order to get our verbal agreement in writing and they turn extremely combative on the phone. 

I want to settle my debt, I need a willing dance partner, XXXX XXXX XXXX has been stringing me along for too long. I attached some email communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CT

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-03 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: CT

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD bank has been taking {$50.00} a month for something called a non compliance fee unknown to me. I was told the interest would be % 2.5 on all credit cards and Ive been charged 3.75 %. Bank is very dishonest.

Refund all {$50.00} compliance fees and refund difference in percentage over % 2.5.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In early XXXX of XXXX, Bank of America froze my checking account without providing any reason or cause. I did not receive any funds as promised until I filed a CFPB request on XX/XX/year> requesting the funds, and ONLY THEN was a check mailed out. 

I was told that the account would be closed and WOULD NOT ACCEPT any more deposits. So, I opened another checking account at a local branch, and filed with the Social Security Administration to change the direct deposit over to my new account, which was to take place on XX/XX/year>. ( NOTE that this is now 3 months of SSA payments that have been missed, thanks to Bank of America still holding my funds ). I was looking forward to receiving the funds again. 

When it came time for my monthly SSA distribution check on XX/XX/year> I received no deposits to my new account. I called into the Social Security Administration and they informed me that a check had been returned from Bank of America, and they had re-submitted the deposit to my Bank of America Checking account on XX/XX/year> ( one day before the direct deposity switchover was to be processed by XXXX ). 

I then inquired about the state of the funds to the lady at the XXXX XXXX, and she informed that that the deposit had been successfully processed and not denied or returned, meaning that the money had successfully been deposited in to my SUPPOSED CLOSED Bank of America Account.

So, obviously, my old checking account at Bank of America WAS NOT CLOSED as I was told would happen. AND, Bank of America is still holding funds in my account and this will be the SECOND TIME that I have to request that they forward any funds to me via check. 

( BTW, I am still waiting on Bank of America to close out the first complaint that I wrote against them on XX/XX/year>. ) I am really XXXX off at this stealing and holding funds of mine for 4 months now!!!

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 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, after reviewing my credit profile, on XXXX XXXX, I discovered that there was a ( 2nd ) Home Depot Credit Card that I had never applied for nor authorized. 

After discovery, I made a contact to Home Depot Credit, Customer Service. During the conversation of inquiry, and questioning a ( 2nd ) Home Depot Credit Card that I had no knowledge of, the Customer Service Representative advised that ( XXXX XXXX, you only have ( 1 ) credit card on file, for the balance of {$1800.00}. ) While discussing this issue, Home Depot Customer Service Representative advised that the ( 2nd ) Home Depot Credit Card, with a balance of {$3000.00}, is not your account, so you need to dispute this issue and dispute this matter. 

I informed the representative that ( I found this on XXXX XXXX, being issued reported by XXXX credit systems. ) The male representative apologized for the account issue, but repeated that I only have ( 1 ) credit card on file with Home Depot. 

After this conversation and discovery of this issue, I returned to XXXX XXXX and disputed the ( 2nd ) Home Depot Credit Card Account. In my opinion, I am really not understanding XXXX  's latest actions against my credit profile. 

This latest action, by XXXX, can only be, in my opinion, nothing more than an alleged " retaliatory '' effort, following my initial formal complaint that was lodged with Consumer Financial Protection Bureau, recently lodged. 

I have also learned that the ( 2nd ) Home Depot Credit Card account has been activated since XX/XX/XXXX through XX/XX/XXXX, which is the period that I discovered the account even existing. 

I am not sure of the amount of payments that was allegedly sent into this unauthorized Home Depot Credit Account, from XX/XX/XXXX through XX/XX/XXXX ; however, there must be an investigation into this matter. 

In my opinion, this action reported by XXXX, after disputing the fact of reporting and unauthorized and alleged fraudulent account further explains that there is something extremely wrong with this credit reporting division. 

After filing the dispute of the facts of a ( 2nd ) Home Depot Credit Card Account was not authorized, I returned to review my XXXX XXXX profile and discovered that XXXX  have not made any corrections to my credit profile, as of XX/XX/XXXX. 

In conclusion, It is my belief and opinion that as of XX/XX/XXXX, either XXXX have either refused to correct my credit profile and properly investigate the issue, under the law, or XXXX  is still investigating the issue reported? 

In either case, it is my consumer protective rights to file this formal complaint, because this is not a minor error, it's a major problem and Americans must be informed.

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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
THERE IS A DEBT FROM {$5100.00} THAT I ALREADY SENT THEM LETTERS THAT I DONT RECOGNIZE, I DONT REMEMBER MAKING ANY CONTRACT TO PAY THIS AMOUNT WITH SYNERGETIC COMMUNICATION XXXX I ALREADY CONTACTED THEM, MAILED LETTER AND DISPUTES AND THIS ACCOUNT STILL SHOWS ON MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I banked with Truist Bank in NC. On XX/XX/year> I called in to the bank because I did not recieve a direct deposit. I was informed that my account was closed due to fraudulent activity. After they explained the activity, I understood why they closed the account, and was told that my remaining {$710.00} ( plus or minus some change ) was to be mailed to my home address within 10 days. I confirmed my home address at that time. 
On XX/XX/year>, XX/XX/year> and XX/XX/year> I called Truist to get access into my closed account, with each call they required more verification information that I did not have, not previously needed to get into my account. on 2 occasions I had to escalate to a supervisor, where more vague information was provided. They did not answer my questions of where the check was or any status, and simply said I had to wait 90 days to request another check. 
I informed them that I would no longer be living at the residence they have on file and would need to update my address, and they said " Im sorry ''. 
On XX/XX/year> I called in to check the status of possibly requesting a wire transfer instead of a check, however I would still need to wait 90 days, and they did not provide me with a yes or a no. 
I am urgently in need of these funds as I am closing on a house. I feel as though they are neglecting me, my funds, and my account because it was closed due to fraud. It has almost been 30 days, I am not able to wait XXXX more days to take action.

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 2025-09-03 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
Description of the loss : At all times related to this claim, I was an accountholder at a United States-based cryptocurrency exchange and licensed Money Services Business ( MSB ) Coinbase , Inc. , ( Coinbase ) and held in my account/wallet valuable cryptocurrency assets. Coinbase promotes itself as The most trusted cryptocurrency platform that is guided by Industry best practices and that Cryptocurrency stored on our servers is covered by our insurance policy. I was aware of and relied on those representations of security in storing my assets on Coinbases platform. Despite its self-promotion about how secure, reliable, and trustworthy its services are, though, customers assets at Coinbase are at risk of being fraudulently scammed -- something of which Coinbase is well aware but has not taken adequate steps to prevent or remedy. 

My account was compromised through a sophisticated scam, and Coinbase failed to implement adequate protections against known fraud. Coinbase did not employ robust security protocols or conduct industry-standard Know Your Transaction ( KYT ) verifications, allowing fraudulent transactions to occur undetected. Additionally, Coinbase failed to implement wallet scanning and pre/post transaction wallet analysis to identify and prevent interactions with compromised wallets and known phishing sites. 

Coinbase has had announced and unannounced breaches of data maintained on, and security of, its platform; leading to a variety of harms suffered by Coinbase account/wallet holders : support scams, penetrations of Coinbases platform leading to XXXX swaps, failure to block blacklisted destination addresses, and account takeovers. Coinbase is responsible for securing its platform and all internal and external cryptocurrency payment rails, which serve as the infrastructure that facilitates the transfer of digital currencies between parties. In this case, Coinbase failed to secure data maintained on its platform and failed to properly verify the authenticity and integrity of the cryptocurrency payment rail ( s ) that transferred cryptocurrency from my account/wallet to the destination address of the recipient of my stolen assets. Coinbases failure to design and implement adequate security measures on its platform and on the payment rails was a material factor in directly and/or proximately causing my loss. Commencing on or about XX/XX/year> ; Coinbases falsely advertised, faulty security measures failed me ; and as a result, I suffered the loss of cryptocurrency from my account/wallet that was valued at the time at approximately {$350000.00}. 

I seek, among other things, restitution, compensatory damages, and equitable relief for the harm I have suffered, as I hold Coinbase accountable for platform breakdowns, failures in security design or implementation, and statutory/common law breaches that permitted/assisted the theft of the personal assets I held at Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
To Whom this may concern : This is my XXXX complaint concerning the same issue that still has yet to be resolved. I received a letter from the Office of the President in regard to my complaint on XX/XX/25 stating once again that my identity docs had been received and deemed valid by the fraud department and all I needed to do was call the rapid detections department so they could speak with me directly to complete their review. 
I called the XXXX XXXX Department immediately after receiving the letter from the office of the president and was told my documents in fact were not verified and a copy of my driver 's license needed to be resent. 
I don't understand why I'm getting mixed information. I have sent my identification documents on multiple occasions now and was told they were valid by the office of the president on XXXX different responses to my complaint however when I call, I'm told the opposite by the XXXX department. I really need this issue resolved as my account has been blocked for over 3 months now.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
b'To Whom It May Concern,\n\nI am writing to formally express my concern and disappointment regarding the recent closure of my account with Chase, despite my proactive efforts to prevent fraud and my compliance with all instructions provided by your representatives.\nA few days prior to XXXX XXXX, I identified a fraudulent check that was attempting to be deposited into my account. Recognizing the transaction as suspicious and clearly fraudulent, I immediately contacted Chase within the same 24-hour period to report the issue and requested that the check be canceled. However, I was informed by the representative that the transaction could not be canceled at that time and I would need to wait until XXXX XXXX for further resolution.\nFollowing this, my account was appropriately locked as a security measure. During my conversation with Chase representatives, I was clearly assured that because I had reported the fraudulent activity in advance, my account would not be negatively impacted. I was told that no further action such as extended locking or account closure would occur, and that my early report had been properly noted on the account for reference on XXXX XXXX.\nDespite these assurances, on XXXX XXXX I contacted Chase again, only to be informed that my account relationship had been permanently closed. This decision came as a complete surprise and feels unjust, especially considering the steps I took to report the fraudulent activity in good faith and in a timely manner.\nI am extremely disappointed with how this situation was handled. As a responsible account holder, I followed all the proper procedures to prevent fraud and protect my account. Being penalized for doing the right thing not only feels unfair, but also calls into question the reliability of the information provided to me by Chase representatives.\nI respectfully request that this matter be thoroughly reviewed, including call recordings and notes from my previous interactions with your team. I would like a clear explanation for why my account was closed after being assured that it would not be, and I request that the closure be reconsidered.\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am currently the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX ( Account Number XXXX with Chase Bank on XX/XX/year>, with the first interest payment due on XX/XX/year>. The interest payment was not ( and still has not been paid ). 

I have been unable to obtain any explanation of why the XX/XX/XXXX interest payment was not made, and I have been unable to obtain a written document telling me when the payment will be made. 

I initiated a complaint with the XXXX XXXX XXXX  on XX/XX/year> ( Complaint ID : XXXX ). It was closed XX/XX/year> by Chase with the statement " We responded to our customer 's concerns '' but I had not been contacted. I contacted the Chase Case Specialist who informed that the case had been re-opened. 

On XX/XX/year> I attempted to escalate my issue by sending email to XXXX, XXXX, and XXXX. I received a call from the Chase Case Specialist informing me that work on my XXXX  complaint was ending because of the escalation email. I have heard nothing from Chase since then.

Company response to consumer: Closed with explanation