vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My card was illegally used, and when I called the bank several times to get my money back, they kept saying theyll look into it, but they never did, and they kept closing the case, and I never received my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: TX

Complaint narrative:
I purchased a new front brake system repair for my XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX ) I requested All Original Equipment parts ONLY ( most Expensive and durable ) XXXX ) Informed them a brake flush was not needed XXXX ) My Vehicle did not have any major squeal or issues before repair. 
XXXX ) XXXX of {$2100.00} a. {$1500.00} ( reward Points ) b. {$610.00} ( Barclay Credit Card ) On XX/XX/XXXX I went to the dealership to inform that the alleged new : brake, rotor, and caliper repair is not good. My vehicle was not properly stopping and making a loud squeal. On numerous occasions on and off they took advantage of the facts I am XXXX and considered XXXX, which they were fully aware due to my DV plates on my vehicle. I informed them that my brakes are faulty and I asked them what parts were put on the vehicle. 

The service XXXX conceded to the following facts : XXXX ) The parts that were put on the vehicle were not the highest level XXXX parts I requested, that a verbal contractual agreement was made, and paid for yet a lower cheaper level version. 
XXXX ) They acknowledged the brakes were spongy after their repair. 

I have recorded video and audio of XXXX XXXX and XXXX XXXX XXXX XXXX and other personnel solidifying statements and video After I had multiple XXXX and XXXX XXXX brake service repairers all agree the repair is not to standard and there are possibly multiple faulty parts that were place on my vehicle and a bad brake fluid flush all because XXXX XXXX XXXX is refusing to give me a refund and to properly conduct the repair that cost over XXXX XXXXXXXX. These faulty repairs are also endangering the lives of my family and multiple other motorist on XXXX XXXX. My family has no other vehicle and due to the cost of the repairs no funding to make the emergency repairs. 

Barclay GM Rewards Credit Card On XX/XX/XXXX I put in a dispute with Barclay GM Reward Credit card for the dispute of the {$610.00}. The first attempt was wrongfully denied on XX/XX/XXXX for the false statement of trying to dispute an estimate of a third party which sent to prove the diagnosis of the faulty repairs. The actual receipt was included in the claim. 

The last dispute denial was on XX/XX/XXXX. It was because the merchant did not agree to refund the charges. This obviously should be illegal and someone is obviously taking advantage that I am XXXX and considered XXXX. 

I have all recorded calls with the Barclay GM rewards Credit Card staff and personnel.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
On XXXX the company listed below did a hard pull on my credit without permission. 

WFBNA CARD Address XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

This is a clear and flagrant violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

A company can only pull ( procure or obtain ) your consumer report if it has a permissible purpose under 15 U.S.C. 1681b. Common permissible purposes include : a credit transaction you initiated ( application for credit/loan ), account review of an existing account, insurance underwriting, certain employment purposes ( with specific disclosures/authorization requirements ), and some legitimate business needs tied to a transaction you initiated.

If there was no permissible purpose, it can be an FCRA violation. The company can face civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) or willful noncompliance ( 15 U.S.C. 1681n ), which can include actual damages, statutory damages ( for willful violations ), punitive damages ( for willful violations ), and attorneys fees.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding the handling of a XXXX XXXX XXXX claim associated with my Bank of America XXXX XXXX XXXX credit card. 

I experienced a baggage delay exceeding XXXX  days during international travel. My checked baggage was delayed beginning on XX/XX/year> and was not retrieved until XX/XX/year>. This clearly meets the eligibility criteria for the baggage delay benefit, which applies after a delay of more than XXXX hours. 

I submitted a complete claim with all required documentation on XX/XX/year>, including the airlines XXXX XXXX XXXX, travel documents, and proof of expenses. All requested materials were provided in full. 

XXXX XXXX later issued a partial settlement of XXXX  XXXX. This settlement did not cover essential purchases or additional transportation costs incurred during the baggage delay. This amount was fully disclosed to the claim XXXX and should only be applied as an offset in accordance with secondary coverage rules. 

XXXX XXXX XXXX documentation for the Bank of America XXXX XXXX XXXX card clearly states that the baggage delay benefit is secondary coverage and is intended to supplement any reimbursement received from the common XXXX. The partial airline reimbursement was disclosed and does not eliminate the remaining eligible benefit amount. 

In addition, I incurred essential living expenses during the baggage delay period, including food and daily necessities. Valid receipts for these essential items were submitted. These expenses were not reimbursed by the airline and therefore remain eligible under the credit cards baggage delay benefit. 

Furthermore, the airline failed to deliver the delayed baggage to my home or office and instead required me to personally retrieve it from the airport, resulting in additional time and transportation costs. 

Despite the claim being fully documented and clearly eligible, it has remained pending for an unreasonable length of time without a decision, explanation, or request for additional documentation. I have made multiple attempts to obtain a resolution through Bank of America and its claim XXXX, but no timely determination has been provided. 

I am requesting that Bank of America XXXX a supervisor-level review, promptly adjudicate the claim, and issue payment for the remaining eligible baggage delay benefit amount without further delay, along with a written explanation for the prolonged processing time.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was using my Capital One credit card primarily for rental-related expenses. Without warning or explanation, Capital One suddenly shut down my card, preventing me from using it. At the time of closure, my balance was approximately {$600.00}. 
After the card was shut down, the balance continued to increase rapidly, despite no new charges being made by me. The balance XXXX from approximately {$600.00} to over {$1000.00}, and then again to approximately {$1800.00}. 
I was not given clear notice or an explanation for why the card was closed, nor was I offered a reasonable opportunity to prevent excessive interest, fees, or penalty charges from accumulating. Eventually, the account was closed and charged off, even though the dramatic increase in balance appears to be driven by interest, fees, or penalty APR applied after the card was shut down.

I believe this may constitute unfair, deceptive, or abusive credit practices, as the account was restricted first and then allowed to escalate significantly without transparency or meaningful options for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
b'I am the account holder for the Discover personal loan ending in XXXX and am submitting this complaint on my own behalf. No third party, representative, or agent is involved. My name appears identically on the settlement agreement, payment history, and Discover account records attached to this complaint.\n\nDiscover is reporting inaccurate information on my credit report for this loan, which was settled in full under a written settlement agreement. Despite my full compliance with the settlement terms, Discover continues to report an outstanding balance and incorrectly claims that one payment was not made.\n\nOn XXXX XXXX XXXX, I entered into a written settlement agreement with Discover for the above-referenced loan. Under the agreement, Discover accepted a total settlement amount of XXXX, to be paid in twelve monthly installments of XXXX. The settlement agreement is attached.\n\nI made all twelve required payments, and each payment was accepted and cleared by Discovers payment servicer, Forth. The attached Forth Program Payment History shows every payment posted as Cleared. The payments were made on the following dates:\nXXXXThese payments exactly match the schedule and amounts required under the settlement agreement. Nevertheless, Discover continues to report an incorrect balance and asserts that a payment was missed, which is directly contradicted by the attached payment history.\n\nBy continuing to furnish inaccurate information after accepting full settlement payment, Discover is violating its obligations under the Fair Credit Reporting Act, 15 U.S.C.  1681s-2, which requires furnishers to report accurate and complete information.\n\nI am requesting that Discover correct its reporting to reflect that this account was settled in full pursuant to the settlement agreement and that no balance remains.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I booked a trip to stay at XXXXXXXX XXXX Hotel in XXXX, Ohio in early XXXX through XXXX who put it through XXXX  We reserved it because there was a pool. When we arrived, the pool was out of order. The front desk said if we leave now, they will refund us the entire stay. So, we left and the hotel credited our account to XXXX with the belief that XXXX would credit my credit card. 

XXXX never received the credit. We called the hotel several times and they showed me proof that they gave the money back to the XXXX XXXX Credit Card . '' The hotel told us they had done all they could. They said the issue was with XXXX XXXX We called XXXX XXXX or XXXX times sitting on hold at least XXXXXXXX XXXX  each time. We were hung up on XXXX of those times before we could even explain our issue. When we finally received someone they said that the problem was/is with the hotel! We showed them the proof that the hotel had refunded the money, but they wouldn't help XXXX and kept hanging up on us. They would not issue the credit. 

I then contacted my credit card company and put a dispute in. They dragged their feet, lost my evidence and after XXXX to XXXX months of waiting and games, they told me that they have no way of getting the money back from XXXX XXXX 

I believe the problem lies fully in XXXX XXXX They appear to be a company based in XXXX and have no interest in communicating or refunding the money and the excuse from my credit card company is pathetic. They should be able to get the credit. 

I have provided evidence that I am due a refund. My money is lost and nobody will cooperate. 

DON'T USE XXXX OR XXXX. ALL THEY CARE ABOUT IS TAKING YOUR MONEY!! 

Please help me get my money back. It is {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Im filing dispute for this debt because Im confident it doesnt belong to me this debt occurred from a company I did not use due to me living in a completely different State I was living in XXXX  year XXXX not XXXX . I previously dispute this debt consumer energy in the past & it was removed due to fraud. I see it has been put back on my credit XX/XX/XXXX with a new company name IC System Inc I called them today XXXX to dispute the debt once again and request validation of debt. They were not able to provide me the validation of debt. Instead requested I file police report and they would send information to consumers energy. If I cant even get a validation of debt, what right do you have to collect on a debt you dont own nor have any information on?

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I'm requesting Wells Fargo respond to a complaint from XX/XX/year> regarding an account opening.

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I discovered that Midland Credit Management is reporting a collection account in the amount of {$3200.00} ( Acct # XXXX ) on my credit report. I was never properly notified, never sent a documented validation notice, and never provided notice that this account would be placed on my credit report prior to reporting. This is my first violation. 
Midland has continued to report this account as in dispute without ever providing lawful validation or proof of accuracy. Reporting a debt without prior notice and without proper validation is illegal.

Midland Credit Management has a well-documented history of unlawful debt collection and credit reporting practices, including but not limited to : Filing lawsuits without proper documentation Reporting debts without admissible proof of ownership Failing to validate debts under the FDCPA Furnishing inaccurate or incomplete data to credit bureaus Violating XXXX reporting standards I have done my research. Midland has been sued repeatedly for these exact practices, and I am fully aware of what proper validation requires.

Midland has not provided, Proof of ownership or a complete chain of title A bill of sale identifying my specific account A signed agreement or legally binding evidence tying me to the alleged debt An itemized accounting of the balance claimed Proof of the date of first delinquency Proof that the debt is legally collectible Documentation used to verify the accuracy of the information furnished to credit bureaus Compliance with XXXX accuracy and consistency requirements Marking an account as disputed does not satisfy validation requirements and does not allow continued reporting without proof.

Midland Credit Management is in violation of : FDCPA 1692g Failure to properly validate the debt FDCPA 1692e False, deceptive, and misleading representations FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation XXXX Guidelines Furnishing incomplete, inconsistent, and unverifiable data These violations are not accidental they reflect a pattern of noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to provide an explanation regarding a hard inquiry that appears on my credit report from XXXX XXXX in North Carolina, XXXX This inquiry was made without my knowledge or permission and may be the result of identity theft. I have taken steps to protect my identity and have filed a report with the Federal Trade Commission ( FTC ) and/or local law enforcement. I respectfully request that this inquiry be removed from my credit report as it was not initiated by me.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
Companies involved : U.S. Bank XXXX XXXX XXXX XX/XX/XXXX I am submitting this complaint regarding a failure by U.S. Bank XXXX XXXX XXXX and XX/XX/XXXXto provide a reasonable and accessible process to resolve a refund request stemming from an unsafe hotel stay. 

I reserved aXX/XX/XXXXnight stay at XXXX XXXX XXXX XXXX XXXX (XX/XX/XXXX) through the U.S. Bank XXXX XXXX XXXX XXXX which routed the reservation through XX/XX/XXXX ( Booking ID : XXXX ). The total charge was {$540.00}, and the reservation was marked non-refundable. 

Upon arrival, I discovered that the keyless entry system to my hotel room did not function properly. The door failed to lock from the outside when closed, creating a clear safety risk. I documented the malfunction with video evidence (XX/XX/XXXXXXXX ) and immediately contacted the hotel. XXXX, which operates without an on-site front desk, attempted multiple remote resets of the lock, but the problem persisted. To my knowledge, the hotel has not disputed that the lock was broken. 

Because I was traveling alone and could not safely remain in a room that did not lock, I left the property and secured alternate lodging at another hotel for the same dates, which I can document. 

When I requested a refund, XXXX directed me toXX/XX/XXXX However, because I booked through the U.S. Bank XXXX XXXX XXXX, I was never issued the PIN code required by XX/XX/XXXX to manage or cancel a reservation online. As a result,XX/XX/XXXX system blocks me from submitting a cancellation request. Repeated attempts to resolve the matter by phone and email with XXXX resulted only in automated responses. U.S. Bank XXXX XXXX XXXX advised that only a partial refund of approximately XXXX would be issued. 

As a consumer, I was left without any effective means to resolve a valid refund request involving an acknowledged safety failure, due to the structure of the booking arrangement and lack of coordination between the XXXX companies. 

Resolution sought : I am requesting a full refund of {$540.00} and confirmation that U.S. Bank XXXX XXXX XXXX and XX/XX/XXXXhave corrected the customer-service failures that prevented timely and fair resolution of 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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capitalone credit card chronically and consistently does not award miles for the offers they advertise. Despite following all terms and conditions in the offer, the phone representatives insist there is nothing they can do and they are not able to provide the miles. Most recently, this happened with an order from a company called daybreak, where making a purchase from the company awarded XXXX miles. Capital One is able to see that I made the purchase, and read me the eligibility criteria, and still state there is nothing they can do to award me these miles. This is false advertising and capital one systemically does this with their shopping offers it seems they are hoping customers will not want to spend the time and energy to actually pursue these offers. I would not have made the purchase had they not had the XXXX mile offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I requested a credit limit increase on my Apple Card account. After my request, Goldman Sachs increased my credit limit to {$20000.00}. 

I relied on the accuracy of this increase, which was reflected in my account. Subsequently, Goldman Sachs reversed the increase, stating it was a mistake, and reduced my credit limit back down without proper explanation, documentation, or prior notice. 

Additionally, during this same period, Goldman Sachs failed to properly handle and resolve disputed charges on my account. 

This has directly affected my credit score causing it to drop and suspicious activity that has caused me to have to readjust refinancing my home and heloc. They cost me a {$48000.00} loan.

Company response to consumer: Closed with explanation