vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Oasis Legal Finance Holding Company, LLC
State: CA

Complaint narrative:
I was sent multiple false advertisement messages to my phone number and a few to my XXXX the last I can recall was last week not too sure specific dates but I've been spammed by multiple false advertisements giving me I hope that I will be able to receive another loan when in fact I wasn't going to be able to until after 30 days I called them and asked him why they kept doing that they told me they just sent them to their customers I'll tell Oasis financial to stop sending them to me but they kept sending more to me at least 6 times they sent me misleading messages causing me false joy thinking I would be able to receive more help because it was needed due to my recent injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I cancelled my cell phone service with XXXX in XX/XX/year> and the Internet was canceled before that, in XXXX or XXXX. XXXX continued to charge me but somehow they charged me on my credit card instead of my debit card. I never gave permission to charge my credit card. I have an email confirmation from XXXX  that proves I canceled my service and I disputed the charges via a voice call with Capital One. Capital One never made an effort to contact me for any details and they gave XXXX the funds and the right to charge my credit card without my knowledge and closes the case. They charged my credit card to the maximum and now charging me late fees for service I didn't receive which is against the law. Capital One reached out to me after I filed a complaint with XXXX  and said they couldn't do anything because they closed the case but they said they would waive one of the charges. They committed a criminal act by allowing XXXX to charge my credit card for an account I no longer had. XXXX told Capital One that they had no record of me closing the account. I have an email from them that says otherwise. I'm not able to use my credit card anymore because they let XXXX charge it so many times that it's maxed out and it's all fraud. I'm not paying for something I didn't purchase. I did what I was supposed to do and disputed the charges and Capital One failed to contact me before they closed the case. Now they expect me to pay for something I didn't buy?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-29 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This is a serious complaint, likely affecting thousands of American Express clients. Accordingly, I request this compliant be looked at by senior staffing at the CFPB to consider fining AMEX for a negligent process. This negligent process likely allows AMEX to collect vast sums of late fees and interest. In my particular case, American Express abbreviated my street address in such a ridiculous way that the U.S. Post Office considers the mail undeliverable and returned it to AMEX. I didn't get my statements, so didn't pay the amount owed. AMEX never reached out to me ( customer ) to advise of the " undeliverable mail '' issue. I finally got a text alert telling me my credit card payment was overdue and penalties and interest will be charged. In chat conversation online with AMEX today, they advised me that I needed to go to the post office and they would tell me why my mail was returned to AMEX. That is an absurd expectation. The post office puts a notice on each piece of returned mail indicating why it is being returned. The post office DOES NOT keep a log of all returned mail and why it was returned. Directing me to go to the post office to figure out a problem of AMEX 's making- and that only AMEX can resolve is ridiculous. Once I began the online chat with AMEX today, the representative should have recognized that someone ( or a software program ) abbreviated my address too severely for the post office to deliver the mail and simply fixed it. Plus, as a financial services firm, AMEX should have a specific and thorough protocol to contact customers about any mail considered " undeliverable ''. Attachment # XXXX is a pdf of exactly how my address reads in my customer profile when I was logged into my AMEX account online. That is my correct address. Attachment # XXXX is how AMEX abbreviated my address. They changed " XXXX XXXX XXXX XXXX '' to " XXXX XXXX XXXX XXXX ''. Post office doesn't consider the mail deliverable, which is USPS 's decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: GA

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. 

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 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 non-monetary relief
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Failed to provide me with a complete and accurate disclosure of my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) Failed to provide me with a copy of my credit report free of charge, as required by 15 U.S.C. 1681j ( a ) I demand that you immediately delete the inaccurate items from my credit report and take all necessary steps to correct the above violations of the Fair Credit Reporting Act. Furthermore, I insist that you provide me with a written response within 30 days to confirm that these items have been removed from my credit report and that the violations of the Act have been corrected. 

XXXX If you require any additional information or documentation from me, please let me know. I appreciate your prompt attention to this matter. 

XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have no credit .. I'm just trying to build it.m I wan na but a house for me and my XXXX kids .. it's our dream to have a yard to.play in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they did not conduct a proper or reasonable investigation into the disputes I submitted. Despite my efforts to notify them of inaccurate and harmful information on my credit report, the bureaus have continued to report these items without sufficient verification. As a result, my credit score has suffered unjustly, limiting my financial opportunities and causing undue personal and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In late XX/XX/year>, I received an email from Capital One stating that I may be eligible for a higher credit line on my newly approved Platinum card if I linked my bank account. I followed their prompt and connected my XXXX account through their system. I then submitted a credit line increase ( CLI ) request, expecting a fair review

based on the data they now had access to. Shortly after, Capital One denied the CLI. The denial letter cited reasons that contradict
my actual s

tatus, such as missing credit bureau data, account too new, and no recent payment data. These reasons are inconsistent with my profileI was already approved for the card, linked a verified bank account, and had active payment history. I unlinked the XXXX account immediately after the denial and requested written confirmation that no data would be retained, reused, or modeled. The only response I received was a generic email confirming the unlinking. Capital One provided no clarity on what data was accessed or whether it had been deleted. Their system offers no secure messaging feature to follow up with a human representative.

I believe this constitutes misleading promotional advertising and deceptive data practices. I am requesting that the CFPB review this conduct and that Capital One be required to : Clarify what data was accessed, Confirm whether it has been deleted, and Stop sending promotional offers that imply eligibility where none exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Chime Financial Inc
State: NC

Complaint narrative:
I seen a gaming app on XXXX worked for XXXX gaming app with a casino I thought was making a XXXX app to make money in the casino and my account was asking to send money to get money. I asked to refund the cash from the deposit of {$210.00} because I do not want to invest in a gaming app to send money to make money. I see the account has been marked as some kind of scam from the merchant and the email has been given as a telemarketer. I do not think it is a winning from a tax collector to advance payment to my bank.In order to process the refund, so I asked for a refund from this small business application from XXXX  to be given from my bank account with Chime app. Because it could be a scam against my credit where pay someone money for unsolicited email hacks. Because my account with XXXX was pawned on my email XXXX, leaving a arbitration class action settlement from a banking institution showing my recovery account was terminated on my email with hackers. Unsolicited email showing I was compromised and my recovery account phone was hacked and my account was reinstated, I hought this was a recovery account but it looks XXXX hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have been having an ongoing problem with Paypal, with their transparency, ability to resolve disputes in a timely manner, their competency and ability to comprehend and their customer service. 

Specifically, I have XXXX outstanding disputes that remain unresolved after a month. I have received no assistance and movement in resolving the disputes. 

XXXX ) Case # XXXX ( XXXX XXXX ). I contacted on XX/XX/year> that I cancelled the merchandise and the company had not refunded me ( and charged the wrong amount ). Paypal refunded me {$11.00}, despite the fact that the charge was {$47.00}. I sent them several messages and had several painful conversations with " customer service '' and they still did not refund me my money. Then on XX/XX/year>, they had the audacity to tell me that the merchant gave them a fake tracking number ( XXXX XXXX after cancellation ). They claim they are reviewing the case ( XXXX XXXX to review my documentation and refund me ) I want the balance of my money {$36.00} refunded expeditiously! 

XXXX ) Case # XXXX ( XXXX XXXX {$50.00} ). I contacted PayPal on XX/XX/year> to report that my order ( XXXX ) had not be received. it has been a month of stalling and PayPal giving me nonsensical statuses. The 1st one was that they had a tracking number, which is FAKE! It takes XXXX XXXX to check a tracking number if PayPal 's customer service reps and management were located in the US, they would know this simple fact. I am growing tired of dealing with PayPal and their foolishness. I want my {$50.00} returned EXPEDITIOUSLY!!!! A MONTH LATER XXXX ) Case # XXXX ( XXXX XXXX {$50.00} XXXXSAME COMPANY AS ABOVE ). I contacted PayPal on XX/XX/year>, to report that my order ( XXXX ) was not received. Same as above-PayPal has claimed that the case was " under review '' after a month, allegedly reviewing a fake tracking number, which should take XXXX XXXX  TO VERIFY! Also, PayPal listed the dispute as {$49.00}, but it should be {$50.00}. when I called to ask them to change the amount, I was told it was impossible to do! I want my {$50.00} returned EXPEDITIOUSLY!!! A MONTH LATER-THIS IS FOOLISHNESS This cases should not take so long, but PayPal reps are incompetent and have NO regulations, so they do ( or not do ) what they want! It should not be the consumer 's problem, that these representatives are not properly trained, and can only read from a pre-written script, without the inert ability to " think out of the box ''. I need my money back. 

I am respectfully asking you to intervene. While the dollar figure may seem low, this is an ONGOING issue that has gotten completely out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed this problem on my credit report in XX/XX/year> there are multiple inaccuracies reporting on my credit report. Please remove it from my credit report as soon as possible. Im a victim of identity theft and these accounts are not mine.

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 2025-06-29 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: MI

Complaint narrative:
THIS SITUATION IS NOT IN LITIGATION!!!! XXXX has been reporting an authorized users on my account XXXX different times, each time changing the opening date. I want a complete history of all the data in my file including any flags placed on my account and why. I have asked for this data for over 8 months now and been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MI

Complaint narrative:
THIS SITUATION IS NOT IN LITIGATION!!!! XXXX has been reporting an authorized users on my account XXXX different times, each time changing the opening date. I want a complete history of all the data in my file including any flags placed on my account and why. I have asked for this data for over 8 months now and been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a recent payment I made through their mobile app, as well as the overall lack of proper customer support.

I have been a Capital One customer for some time and consistently make payments through the mobile app. My payments are typically processed quickly, and my account balance is updated within minutes. However, with my most recent payment, Capital One is holding the funds for 26 days. There was no clear warning or explanation, and this hold is completely inconsistent with how my payments are usually handled. 

The most frustrating part is that I have been unable to reach anyone at Capital One who can provide a real answer or help resolve this issue. Their customer service representatives seem to follow a script and are not trained or allowed to assist beyond surface-level responses. I have requested to speak to a supervisor multiple times and have either been ignored, transferred pointlessly, or disconnected.

My funds have already been withdrawn from my external bank account. Yet Capital One is withholding them without providing access, communication, or any form of support. This behavior feels unfair and misleading, especially when customers are relying on those funds for time-sensitive needs.

I am asking the Consumer Financial Protection Bureau to look into the following concerns : Why is a 26-day hold being placed on a standard mobile app payment?

Why is Capital One not offering any reasonable way to speak with someone who can help?

Are these policies aligned with fair banking practices, or are they intentionally burdensome to consumers?

I believe Capital One is engaging in practices that are not only inconvenient but potentially deceptive. Customers should not be kept from their funds without explanation, and they should be able to access real help when needed.

Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RS Clark and Associates, Inc.
State: VA

Complaint narrative:
this was discharged off in a bankruptcy filed back in XXXX, and I have asked them to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AK

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion XXXX USED XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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