vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I was contacted by credit card company on XXXX  and told there was possible fraud on my account. They reviewed the recent transactions and I was able to immediately confirm I did not make or authorize the purchases on the card. I told them I wanted to open a fraud complaint about the charges and they told me that unless I sent them a copy of my social security card, a copy of my passport, copy of my birth certificate, or a copy of my drivers license, they could not open a fraud complaint. They also indicated they were contacted in XXXX of XXXX  by someone wanting to change the telephone contact number associated with the account. I did not contact or authorize and changes to my account. I was able to login to my online account and observed fraudulent charges beginning in XXXX of XXXX  to XXXX and XXXX. The last statement balance on line is {$2600.00}. The email address the company has to send the statements to was hacked earlier this year. I no longer have access to receive emails on that account and have began migrating emails to XXXX. I did not notify this company of the email issue because I had a {$0.00} balance and was not going to use the card in the future. Also I had many other cards and accounts to change information and passwords due to whatever data leak with my information was causing me at that 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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I received a notification from XXXX XXXX in reference to account ( s ) being temporarily suspended. Upon login into my Synchrony Financial account ( s ), all eight of my account ( s ) was closed without explantation. I contacted Synchrony Financial XXXX, was given account ( s ) was closed with no further explanation. I have been a loyal customer for over ten years, no late payment ( s ), no high balance ( s ) or anything of that nature. This is an embarrassing of a big corporation to just closed customer account ( s ) for no valid reasoning. I ask XXXX can my account ( s ) be restored, I was advised no, you will have to re-apply for all eight account ( s ). No valid reasoning.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX  XXXX ( XXXX, NY ). The dealership added a $ XXXX XXXX XXXX extended warranty without my consent and told me it was mandatory, which was false. This inflated my APR from the lenders approved 14.32 % up to 16 %, raising my monthly payments and overall cost. The paperwork also XXXX XXXX XXXX for 84 months, even though my loan is only 72 months. 

Additionally, I was charged a {$170.00} Dealer Optional Fee, even though the paperwork itself states this fee is {$45.00}. When I questioned these charges, the sales representative told me again that everything was correct and falsely guaranteed I could refinance in six months.

This is misrepresentation and deceptive lending. I am seeking immediate cancellation of XXXX XXXX, a refund of {$4000.00} plus excess finance charges applied directly to my loan balance, and correction of my APR back to 14.32 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-04 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: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Business Email Compromise payment to Capital One account ; refusal to assist because we are not a customer Who I am : I am the authorized representative of XXXX XXXX XXXX XXXX, a business banking customer of XXXX XXXX. I am submitting this complaint about Capital One, N.A., as the receiving bank in a fraudulent transfer. 

What happened ( chronology ) : On XX/XX/year>, our Accounts Payable inbox received a spoofed email thread that appeared to be an internal approval chain from our CEO. The thread referenced a missed invoice, provided banking instructions, and attached a W-9 containing a Social Security number for a purported contractor. 

Relying on that fraudulent approval chain, a payment for {$42000.00} was released on XX/XX/year>XXXX  from our XXXX XXXX  account to a Capital One account in the name XXXX XXXX, routing XXXX, account XXXX. 

We discovered the fraud and on XX/XX/year> contacted XXXX XXXX  to open a claims case. XXXX confirmed that the funds had already left our account. 

Also on XX/XX/year>, we contacted Capital One multiple times ( general customer service, fraud, and identity theft departments ). Across five different representatives, we were told Capital One could not or would not take any action because we are not Capital One customers. We were not provided any path to : Freeze or recall the funds, Submit documentation so Capital One could review, or Escalate to an appropriate fraud operations team. 

We were repeatedly told to work with our bank. 

Why were complaining : Capital One was the receiving depository institution for a clearly fraudulent transfer and refused basic assistance/triage solely because we are not their customer. This hindered recovery efforts in an urgent fraud scenario. 

What weve done so far : Opened a fraud/claims case with XXXX  Attempted multiple escalations with Capital One Preserved the spoofed email thread and headers; prepared to provide upon request. 

Initiated/reporting steps with law enforcement/IC3 Requested resolution : Capital One to promptly review this recipient account and transaction ; freeze and return funds and confirm whether alerts/holds were placed. 

Written explanation of why Capital One declined to assist when notified by a sending banks customer in an active fraud ; identify what escalation paths exist for third-party fraud reports. 

Point of contact within Capital Ones fraud operations for our bank to coordinate recovery and for us to provide evidence.

Any remediation Capital One will implement to improve handling of urgent third-party fraud notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I noticed a {$10.00} cash advance fee and interest applied after I used my Citi XXXX XXXX card to transfer {$35.00} through XXXX. There was no warning at the time of the transaction that XXXX would be treated as a cash advance ( only that XXXX would charge a 3 % credit card fee ). 

I immediately contacted Citi through chat and later by phone. I spent nearly an hour on hold before reaching a representative. I requested a one-time courtesy credit, not a dispute of the policy. I was told nothing could be done while the charge was still pending, and that I would need to call back after it posted to be transferred to a supervisor. 

Because interest on cash advances accrues immediately at 29.49 % APR, I paid {$90.00} that day to cover the transaction, fee, and any daily interest. The representatives I spoke with repeated generic policy language about cash advances ( ATM withdrawals, money orders, lottery tickets, etc. ) but did not address my specific concern about XXXX transactions being treated this way. 

I am concerned that Citi failed to provide adequate disclosure that XXXX transactions would be classified as cash advances, and that customer service did not offer flexibility, escalation, or meaningful engagement when I raised the issue.

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 2025-09-04 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: GA

Complaint narrative:
Experian continually reports information that I disputed that I am not responsible for. 
XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never had my own electric or gas company {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items DO NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
Experian continually reports information that I disputed that I am not responsible for. 
XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never had my own electric or gas company {$230.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Today XXXX I got an email from XXXX  about a negative mark on my credit score from a company called SEQUIUM ASSET SOLUTIONS that tank my credit score by XXXX points saying that I didn't give a payment that an account that open on XX/XX/2025 I have no knowledge off {$8000.00} from XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc

Complaint narrative:
A company called Chime has allowed someone to open a fraudulent credit account under my name using an old U.S. address. I currently live in XXXX as a permanent resident but am U.S. citizen. Chime only has a u.s. phone number as the only contact point on their website that I can't call from abroad to get this fraudulent account shutdown. I'm concerned chime has no actual verification processes in place and is allowing organised crime to open accounts and potentially implicate innocent people like myself in whatever crimes they are planning. I'm assuming they are going to launder money using this account. Chime has not offered any way I can shut this account down. Please help I do not want my name involved in whatever fraud Chime is allowing to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was charged off on the following date, since then the account has repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect violated my rights. I am demanding a deletion of the following accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: WA

Complaint narrative:
I have received several notices from Illinois Tollway for Tolls that are for a vehicle that I sold years ago and have a bill of sale from Washington state I had reached out before and given them said proof and they said Im cleared fast forward Im now in collections for multiple tolls for the same vehicle and the debt collection Agency PAM refused my online dispute and said I have to mail them every thing which is ridiculous because its not my debt in the first place and Im not paying money to mail them something that I already gave the actual toll people in the past.

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 2025-09-04 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: LA

Complaint narrative:
This is a follow-up complaint supplementing CFPB Complaint # XXXX ( filed XX/XX/year>XXXX  ) against Equifax. 
I previously disputed several inaccurate and fraudulent accounts with Equifax on XX/XX/XXXX and XX/XX/year>, and specifically requested the Method of Verification ( FCRA 611 ( a ) ( 7 ) ). Equifax marked the accounts as verified but did not provide the furnishers name, address, phone number, verification method, or any documents relied upon. 

On XX/XX/year>, I also filed an FTC Identity Theft Report and submitted it to Equifax with my identification and proof of address. Under FCRA 605B, Equifax was required to block the fraudulent accounts within 4 business days. Despite this, the accounts remain on my credit file. This violates 605B, 611 ( a ) ( 7 ), 611 ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ), and 607 ( b ) ( failure to ensure maximum possible accuracy ). 

The accounts at issue are being reported by : 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 ). 

These errors have significantly harmed my credit score, reputation, and access to housing and credit. 

Requested action : I ask CFPB to require Equifax to immediately block and permanently delete the fraudulent accounts under 605B, provide the full Method of Verification for any item they continue to report, and ensure corrections are furnished to all specialty agencies ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-04 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with explanation