vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a new Bank of America XXXX rewards summit visa infinite credit card around XX/XX/XXXX. Within 23 weeks ( by late XX/XX/XXXX ), I enrolled the card in automatic payments ( autopay ) from my linked Bank of America checking account. Throughout this period I consistently maintained balances over {$15000.00} in my Bank of America checking accounts. 

Despite being enrolled in autopay well before the first statements due date, no payment was automatically made on the XXXX due date. As a result, Bank of America assessed a {$29.00} late fee on XX/XX/XXXX and an interest charge of {$100.00} on XX/XX/XXXX. 

I called Bank of America after seeing these charges. Customer service refunded the {$29.00} late fee, but refused to refund the {$100.00} interest, even though the missed payment was caused by the banks autopay not running on the due date. The bank had full visibility that ( 1 ) I was enrolled in autopay and ( 2 ) there were ample funds in the linked account ; the payment should have been processed automatically. 

Requested resolution : Please require Bank of America to refund the {$100.00} interest, confirm that my account shows no negative credit reporting or adverse consequences from this incident, and verify that autopay is active and functioning for future cycles. I can provide screenshots or statements showing ( a ) autopay enrollment, ( b ) my checking balances during this period, ( c ) the posted late fee and interest, and ( d ) my call notes reflecting the partial refund. 

Additional context : I have found public reports alleging similar problems with Bank of America creditcard autopay, including a XX/XX/XXXX class action ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX . ) alleging that the banks automatic payment options caused unexpected interest charges. I am reporting my own experience here and request CFPB review.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, Wells Fargo charged my business account a {$35.00} overdraft fee for an XXXX Direct Debit payment of {$110.00} even though I deposited enough funds the same day to cover the transaction. I called the bank three times that day. The final representative, XXXX, gave me case number XXXX and said the fee occurred because pending and posted transactions merged. She also said Wells Fargo only grants one courtesy refund every 12 months, even when the fee results from a bank error. I requested written disclosure of the banks posting-order policy, but they refused. The issue remains unresolved, and I believe the fee was improperly assessed.

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 2025-10-16 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: IA

Complaint narrative:
I received a bill from XXXX XXXX out of XXXX, TX saying I had a debit from XXXX XXXX XXXX. These dates of service are as follow : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After XXXX XXXX XXXX XXXX 's billing department I learned this is a XXXX party company that tries to collect money that the hospital deems uncollectable because of the age of the bill. And the hospital gets none of the money they collect the XXXX party company uses as a way to make a profit when the money is not owed to them. And I refuse the pay this when the hospital already wrote this off and deems the amount as to old to collect. And I tired of them harassing me for a payment from XXXX  years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
Back on XXXX XXXX XXXXXX/XX/year>, I saw an ad on XXXX for a survey about a XXXX XXXX, & if you complete the survey you would get a XXXX XXXX for dirt cheap. I saw people in the comment section holding receipts for {$11.00}, so I figured it was legit. After I filled out the survey and put in my debit card information this screenshot shot popped up saying thanks for your subscription and good luck and I was immediately charged {$15.00}. I thought that was weird, but I didn't worry about it. XXXX days later a charge popped up for {$76.00}.... so I filed a dispute with Cash App.... on both charges. They were denied, and then I filed an appeal and they were both denied again ... and then I filed my last appeal and I was given back the {$15.00} but NOT the {$76.00} ... even though they were from the same merchant! And now today I was charged another {$76.00} from some other company, which I'm sure its the same people. I'll have to wait to dispute that one... but this is my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NV

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-16 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: AL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, an inaccurate and damaging credit report was sent to multiple of my creditors. The report falsely stated that I was severely late on multiple accounts. This information was not correct and disappeared prior to my ability to identify its source. At the same time, my banking information was compromised, having a huge effect due to my banking ( financial account and access to this account ) being compromised by fraudulent activity, and fraudulent charges were made against my XXXX  account. Causing my accounts to be closed and placed on hold. This had a negative impact on my attempted payments made to my creditors during this situation. Creditors decided to put a late mark on my credit, regardless of the fraudulent situation and my efforts to resolve the situation immediately. The entire situation was outside my control. I seeked help but they denied to help me in this situation. 

It is negligent for creditors to add additional hardship to a victim of credit and financial fraud. These XXXX issues combined triggered a chain reaction of harmful consequences : XXXX. Creditors Closing Accounts At least XXXX of my creditors closed my accounts based on the inaccurate reporting. Removing over {$50000.00} in available credit and long history of positive reporting. XXXX. Reduced Credit Limits The remaining creditors drastically reduced my available credit. XXXX. Severe Impact on Credit Profile The combination of closed accounts and reduced credit lines has significantly lowered my overall credit score and financial standing making a detrimental impact on my career and company 's capabilities regardless of high income. This situation has had a life-changing impact on me and my family. I have lost access to credit and financial resources that I previously relied on. The inaccurate reporting and fraud, and the subsequent actions of my creditors, have created long-term damage to my personal credit, financial stability, and ability to obtain new credit. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, require the inaccurate reporting to be corrected, and ensure my creditors update my accounts accordingly to restore my creditworthiness.

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 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
As of today XX/XX/XXXX, here is the full understanding and statement on this debt that is not rightfully mine, still attempting to be collected. 

In XX/XX/XXXX after months and months of research, phone calls and sending letters ; I discovered the debt was due to my insurance ( XXXX XXXX XXXX failing to notify me of an accident injury report form they needed from me, for an emergency department visit on XX/XX/XXXX at my in-network hospital ; XXXX XXXX XXXX XXXX XXXX XXXX ( now known as XXXX XXXX ). 

I did not receive ANY communication from my insurance, the hospital, original creditor or debt collector prior to XX/XX/XXXX. 

On XX/XX/XXXX, I received a copy of the accident injury report form and promptly read-submitted it along with an explanation for review and re-consideration by my insurance company. 

During this time I was also sent an EOB ( explanation of benefits ) by my insurance company, that proved the {$1400.00} amount attempting to be collected was inaccurate and falsified. Especially since I had insurance coverage at the time of service, and the federal No Surprises Act, as well as the state Georgia surprise Billing Consumer Protection Act protects me from these types of fraudulent billing. 

After a few months of back and forth, I finally received a letter per the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that my insurance had fully repaid the denied claims in the amount that was allowed and pre-negotiated with the in-network provider where service was received. I have documented proof and receipts of all communications concerning these matters. 

One would naturally assume the hospital to be the original creditor on the account, but it was actually a company that was contracted out of state ( Tennessee ) for emergency department staff, known as XXXX XXXX XXXX. This company is NOT located in Georgia where the services were provided and maybe they arent aware of the Georgia state and federal laws protecting consumers from this type of billing but they should be since they contracted staff out to a XXXX XXXX XXXX 

However, throughout all of my research and attempts to contact this company, I still to this day have not been successful at reaching them on any of their listed phone numbers and all XXXX letters Ive attempted to send to their different addresses have all been returned. 

Anyway that you look at it ; this debt was falsified and inaccurate to begin with, was not properly investigated or verified for legitimacy and XXXX large companies whove dropped the ball should not be able to place their mistakes and mishandling on a hard-working, XXXX  wife and mom like myself. I request this be removed from my credit report but no one is accepting responsibility for their errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC for continued reporting of an alleged collection that has not been validated after more than 60 days. 
The account remains open and derogatory with an unpaid balance of {$1300.00}. No contract, statements, or documentation proving ownership or transfer from the original creditor has been provided. Reporting without validation violates FDCPA 809 ( b ), FCRA 623 ( a ) ( 1 ) ( A ), and XXXX standards for data accuracy and completeness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: KY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding a misleading promotional offer from the Gap Good Rewards Mastercard. The promotion stated that I would earn {$50.00} ( equivalent to XXXX points ) after spending {$500.00} or more outside of the Gap family of brands, with eligible transaction dates from XX/XX/year>, through XX/XX/year>. 

To qualify, I made an XXXX purchase of {$590.00} on XX/XX/year>. This transaction clearly fell within the promotional period. However, XXXX posted my transaction on XX/XX/year>, and as a result, they disqualified me from receiving the promotional reward. 

I contacted XXXX representatives from the Gap Good Rewards Mastercard customer service team, and they all stated that because the posting date was XX/XX/XXXX, I did not qualifyeven though the transaction date met the offers stated requirements. 

This practice is misleading and deceptive, as consumers are not informed that the posting datenot the transaction datewill be used to determine eligibility. The promotional terms specifically referenced transaction dates, and I met those terms in full. 

I believe this constitutes false advertising and a deceptive marketing practice designed to deny customers the benefits they rightfully earned. I respectfully request that CFPB investigate this matter and ensure that Gap credit card issuer provide accurate, transparent promotional terms and honor the rewards promised to consumers. 

Thank you.

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 2025-10-16 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: VA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-16 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: VA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-16 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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

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