vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint against Capital One Bank regarding their handling of a dispute involving unauthorized charges on my credit card. 

In XXXX, I disputed several charges made by a timeshare or membership company. The company told me that my agreement could not be finalized unless I lifted a credit freeze from my credit report. I never did lift that freeze, so no valid authorization or contract was ever completed. 

Despite this, Capital One allowed the merchant to charge my account and refused to treat the transactions as unauthorized. I provided all documentation and clearly explained that the charges were made without full consent, yet Capital One sided with the merchant and closed my dispute without a fair investigation. 

Because of this, I lost approximately {$500.00} and had to close my Capital One credit card account to prevent further charges. When I contacted customer service, I was told that this situation did not qualify for consumer protection or fraud assistance, which I believe is inaccurate and unaccepta

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I authorized multiple student loan payments through XXXX XXXX XXXX XXXX XXXX XXXX ) that were never processed, even though funds were available in my bank account and I received confirmation numbers for each attempt. 
After noticing that my payments were not being withdrawn, I contacted XXXX several times to investigate the issue. During this process, I agreed to have my account placed into forbearance while the matter was being reviewed and resolved. However, by that time, XXXX had already reported several 30-, 60-, and 90-day late payments to the credit bureaus, which caused my credit score to drop by approximately XXXX points. 
I have provided documentation showing that I made these payments in good faith and requested that XXXX correct or reclassify those months as paid as agreed or in forbearance. XXXX declined, stating they can not make retroactive adjustments, and advised me to contact the credit bureaus directly. Both XXXX  and TransUnion investigated my disputes but left the delinquencies unchanged. 
Although my account is now in forbearance and this issue appears to have been resolved going forward, I am still being penalized for past reporting errors that were not my fault. I am requesting the CFPBs assistance to ensure that my payment history is accurately corrected. 
Attached are my payment confirmations and proof of my current payment status. Please let me know if you need anything else on my end. I have also reached out to XXXX various times via phone calls to attempt to resolve this issue with no luck.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing a complaint against American Express for deceptive and inaccurate credit reporting practices, as well as for their untrustworthy and unhelpful customer service regarding my account ending in XXXX. 

In XX/XX/year>, American Express and I entered into a formal payment plan for an outstanding balance of {$37000.00}, with monthly payments of {$1000.00}. I have made every payment on time and fully complied with the agreement. Despite this, American Express continues to report late payments and a negative balance each month since XX/XX/year>. This reporting is misleading and does not reflect my true payment history or account status. 

Attempts to communicate with American Express have been extremely difficult. Their customer service representatives are inconsistent, often provide conflicting information, and focus more on sales and collections than resolving legitimate customer concerns. I have been repeatedly redirected, given no clear answers, and ultimately refused any correction of my record. This lack of transparency and accountability demonstrates a pattern of deceptive practices that harms consumers. 

I respectfully request that the CFPB investigate this matter and require American Express to correct my credit reporting to accurately reflect my on-time payments and good standing under the approved payment plan. Supporting documentation, including payment confirmations and correspondence, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: VA

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 XXXX 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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: OH

Complaint narrative:
I payed XXXX $ deposit to first lattitude credit card company they canceled my application and will not refund my XXXX $ deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Research Inc
State: NJ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I authorized multiple student loan payments through CRI ( Central Research , Inc. ) that were never processed, even though funds were available in my bank account and I received confirmation numbers for each attempt. 
After noticing that my payments were not being withdrawn, I contacted CRI several times to investigate the issue. During this process, I agreed to have my account placed into forbearance while the matter was being reviewed and resolved. However, by that time, CRI had already reported several 30-, 60-, and 90-day late payments to the credit bureaus, which caused my credit score to drop by approximately XXXX points. 
I have provided documentation showing that I made these payments in good faith and requested that CRI correct or reclassify those months as paid as agreed or in forbearance. CRI declined, stating they can not make retroactive adjustments, and advised me to contact the credit bureaus directly. Both XXXX  and XXXX  investigated my disputes but left the delinquencies unchanged. 
Although my account is now in forbearance and this issue appears to have been resolved going forward, I am still being penalized for past reporting errors that were not my fault. I am requesting the CFPBs assistance to ensure that my payment history is accurately corrected. 
Attached are my payment confirmations and proof of my current payment status. Please let me know if you need anything else on my end. I have also reached out to XXXX various times via phone calls to attempt to resolve this issue with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OK

Complaint narrative:
on XXXX I made a transaction through my Cash app account for the amount of {$300.00} USD, to a friend named XXXX XXXX XXXX the transaction till this day is still pending, and my account was suspended for Suspicious activity even though I've made transactions to this friend before, the reason for the transaction was that XXXX needed to receive the previous money from a co-worker named XXXX XXXX XXXX but didn't have a way to do it directly so, XXXX send me the {$300.00} to my bank account ( XXXX XXXX ) and I through Cash app send {$300.00} dlls to XXXX XXXX I labeled the transaction " XXXX '' given that that's XXXX 's Nickname. 

Action followed Cash app Blocks me from any use of my cash app account, i cant withdraw the rest of my money from that account in total of ( {$2400.00} ) and they have not given me a response or resolution to this matter since then, and it has now been past 30 days and nothing. 

The only response I got from them was an automated email saying I should get a response soon, and that soon never arrived. 

this issue has now caused me to get behind on my bills by not being able to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I have documents that show DOE to the servicer mishandled information and the {$78000.00} funded to the college that resulted in a balance compounded of $ XXXX to $ XXXX even after the $ XXXX reported by DOE Rep was reported. This has not been resolved as of yet and I am still being punished with compunded interest on bakances from XXXX to XXXX that I should not have? How can a full funded balance w interest in XXXX of $ XXXX given to me by DOE turn into $ XXXX within a few months of the same year then $ XXXX the year after. I request a legal audit to show things changed in the system to fit their excuse that is not legal or right for a borrower from someones mistake in XXXX. All the loans mishandled by DOE & Servicer 's for XXXX to XXXX for my daughter was supposed to be deleted and paid and full with good standing with the legal claim against the Servicer 's in XXXX but they were not funded over with the others?? Another misgrouse of injustice news stations are finding out. I am being punished year after year with high interest rates, XXXX  and can not buy a home because of someones miscalculated mistakes and injustice to the handling of the {$78000.00} full balance for my daughter. DOE reported was only fully all $ XXXX in XXXX that servicers turned into twice as much with their fees same year feom DOE?? How? Now every year interest is accrued on false balances and false accounts I am not responsible for? I am asking for a full audit of computer changes, inputs, deletes, voidings, corrections, etc per management of DOE and Service 's by outside auditing to see all the false changes that have been going in with these accounts that should be deleted as paid in full back in good standing back in XXXX. I am victim to mishandling etc from XXXX. Please refer to the law firm from XXXX on all their mishandling cases and you will see that all these from XXXX to XXXX were also to be included with the case XXXX?! I look to have a more detailed outside audit into their records than their word, please. We were paying all the loans off as balance of $ XXXX given to us by DOE of all in XXXX funded in full of total {$78000.00} to the school. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I have many jobs that i do on line and i use my paypal so that people and companys can pay me for what i do. I have had people pay me for XXXX XXXX and XXXX XXXX and have had the money sent to my paypal. i have been a paypal member for over 5 years and now they are telling me that they closed my account because i supposedly did something wrong which i have no idea what i did. There was an incident where one of my employers did the wrong thing and wanted a refund on money owed and that isnt what they were tring to do they were tring to pay me more money not take money back so there for they fixed the mistake and contacted paypal and fixed the issue that was back in XXXX and now i have a survey place called XXXX XXXX that is a partner with paypal they sent me money for dXXXX XXXX XXXX and now paypal is telling me that i have no access to my money that has been depostied to my account because they are closing my account. said that they are keeping my money for charge backs or refunds. i didnt get the money from selling something i got the money for doing work for a company online and i want them to release my money that i earned. if they want to close the account thats fine but i want the money that is on the account and i will never use paypal again ever since they want to do this to a company that they are partnered with. I have been on the phone with paypal many times and i never get an answer all i get is they they are closing the account and holding the money til XXXX of next year which is a bunch of bull. I could see if i was tring to rip someone off but im not this is money that i earned for doing work for someone a well known company. so i need help getting to the bottom of this and getting my money that i earned transfered to my other bank account and i will no longer be doing buisness with paypal i have had nothing but problems ever since i have started working from home and i thought that paypal was going to be my safest bet but i guess not so please i need help getting this resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ

Complaint narrative:
I been asking for a signature of mine of load and they have failed to submit also I dont recall taking a personal load. They are calling my job of employment and want to take 20 % of my pay and they have the courts calling me sending me letters from attorney and I again been requesting signed documents from me and have not received anything.

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
Gurstel law firm filed default lawsuit in XXXX XXXX nebraska on XXXX XXXX, XXXX Did not provide me with original signed contract. The original contract talks about arbitration and not being sued. I also provide support for XXXX person and ey taking money from my account or salary is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
b'En XXXX XXXX XXXX XXXXi esposo recibio la visita de un vendedor de paneles solares de la empresa MOSAIC, el vendedor le pidio toda mi informacion personal para dar un presupuesto del proyecto y que yo lo revisara al final del dia, yo revise la propuesta pero no me intereso asi que me comunique con el asesor y le informe que no estaba interezada en el proyecto. Ahora un uo y dos meses me llega un bill por montos que no entiendo de 27.000 y 57.000 dolares, y no entiendo porque, ya que como les explico yo no firme ningun contrato y adicional mi casa no tiene paneles solares. el numero que ellos dan del prestamo es el XXXX, y que la fecha del primer pago es el XXXX XXXX XXXX XXXX XXXX, asi que pienso que he sido victima de un fraude y que utilizaron mi informacion para obtener este prestamo. Les repito a mi casa nadie ha venido a instalar paneles solares y en mis cuentas bancarias nunca ha entrado ningun monto mensionados anteriormente.\nLes agradeceria cualquier ayuda que me puedan brindar para clarar este problema'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MD

Complaint narrative:
XXXX XXXX is reporting different information on the credit card to each credit reporting agency. To Equifax, XXXX XXXX is reporting the account was current in XX/XX/year> and no information for XX/XX/year>. My Experian report is reporting that I was late in XX/XX/year> and no data in XX/XX/year>. Previously, Experian reported me late in XX/XX/year>. I provided proof that I was not late and now they are reporting me late in XX/XX/year>. XXXX XXXX is reporting the account was current in XX/XX/year> but late in XX/XX/year>. 

If XXXX XXXX is reporting the account differently to each credit reporting agency, then obviously the company is unreliable, and its information can not be verified. If XXXX XXXX 's reporting is accurate to Trans Union, then its reporting to Experian is inaccurate. The reality is that its reporting to both Experian and Trans Union is inaccurate. I was never late and have provided proof in prior disputes, which I incorporate into this dispute and request that you review as part of this investigation. 

On top of its inaccurate and inconsistent reporting, XXXX XXXX is not reporting that this account is under dispute. So, third parties looking at my report will see the late payments and think that I do not dispute it. In addition to marking the account as disputed, you need to add my dispute statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
My personal checking account with Chime was scheduled for account closure without explanation for XX/XX/2025. I received an email notification on XX/XX/2025 that my account would be closed. However, I was not provided with any reason for the closure, which raises concerns that the decision may have been made automatically or in error. In other reported cases, customers are typically informed if an account is closed for reasons such as suspicious activity or fraud. Since I received no such explanation, I believe this closure may have not been properly reviewed and request that it can be reconsidered. I used the account for regular, legitimate purposes, such as receiving deposits and making standard withdrawals. There were no overdrafts, fraudulent transactions, or compliance issues to my knowledge. I made XXXX cash withdrawals of approximately {$500.00} each over a short period, which I now understand may have approached my ATM daily limit. These were made for personal use and necessary expenses, not for any prohibited or high-risk purposes. I believe this routine use should not have warranted account closure. I was explanation behind the decision to close my account. This has caused significant inconvenience and raises concerns of fairness and transparency under federal banking regulations. I respectfully request that the CFPB review this case and ask Chime to provide a clear explanation for the closure. If possible, I would like the bank to reverse the decision to close the account or allow me to reapply, as I believe that the decision was made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NJ

Complaint narrative:
I been asking for a signature of mine of load and they have failed to submit also I dont recall taking a personal load. They are calling my job of employment and want to take 20 % of my pay and they have the courts calling me sending me letters from attorney and I again been requesting signed documents from me and have not received anything.

Company response to consumer: Closed with explanation