vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I received an email from Capital One confirming that my automatic payment for the XXXX XXXX XXXX  ending in XXXX was scheduled for XX/XX/year>2025. On XX/XX/scrub> 2025, Capital One successfully processed this autopayment of {$410.00} for my account ending in XXXX, as confirmed by an email notification. This clearly indicated that an active autopay was in effect and that I was consistently meeting my payment obligations, relying on this automated system. 

On XX/XX/year>2025, I called Capital One to close this account. On the same day, an insurance charge of {$480.00} from XXXX XXXX  was approved for the account. 

On XX/XX/year>2025, my account ending in XXXX was officially closed as confirmed by my account statement. The {$480.00} XXXX XXXX charge from XX/XX/XXXX then posted to the account, leaving a balance on the 'closed ' account. 

The closure notice I received on XX/XX/scrub> 2025, explicitly stated : 'Be sure to stop any automatic or pre-authorized charges you may have set up on this account '. This instruction implied that manual action was required from me for such payments, and crucially, it did not explicitly state that Capital One would disable the autopay that was specifically set up directly with them for the account balance. 

After XX/XX/year>2025, Capital One failed to send any direct email notifications informing me that a balance remained on the closed account. I was not clearly or prominently informed that closing the account would deactivate my active autopay. 

On XX/XX/year>2025, I received a generic email stating a new bank statement was ready, but this email did not alert me to a past-due amount or an outstanding balance on a closed account. Due to the lack of clear and explicit notification regarding the autopay deactivation and the remaining balance, a payment was inadvertently missed. 

On XX/XX/year>2025, I proactively logged into the Capital One website and only then discovered the past-due balance along with associated late fees and accrued interest. Immediately, at approximately XXXX XXXX PDT, I called Capital One to request a reversal of these charges. I spoke with a manager, XXXX ( Senior Account Supervisor, ID XXXX ), who denied my request, stating it was company policy. This call was recorded by Capital One. Capital One 's failure to adequately notify me about the autopay deactivation, despite a misleading instruction in their closure notice, and the outstanding balance on a closed account directly led to these unexpected charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am reporting the unauthorized use and disclosure of my personal identifying information, including my Social Security number, by one or more companies who have furnished account information to credit reporting agencies without my ongoing consent.

I did not authorize the continued sharing of my data, and this use violates my privacy and identity-based protections under federal law. I am submitting this FTC report to document the misuse of my personal information and to support my request under FCRA 605B to block these unauthorized entries from my credit report.

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 2025-07-21 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 am reporting the unauthorized use and disclosure of my personal identifying information, including my Social Security number, by one or more companies who have furnished account information to credit reporting agencies without my ongoing consent.

I did not authorize the continued sharing of my data, and this use violates my privacy and identity-based protections under federal law. I am submitting this FTC report to document the misuse of my personal information and to support my request under FCRA 605B to block these unauthorized entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized entries on my credit report, and to request your immediate assistance in correcting and removing them, as required by law. My rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) have been violated by the reporting of inaccurate, outdated, and unverifiable information by TransUnion and Equifax.

Below are the specific issues requiring attention : 1. Incorrect Address Please update my address with the credit reporting agencies to reflect my correct and current address : XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX Both TransUnion and Equifax are reporting outdated or incorrect addresses. Under FCRA 609 ( c ) ( 2 ) ( A ), I have the right to accurate information, including my identifying information.

2. Inaccurate or Unverified Accounts on Equifax Report XXXX {$3000.00} I do not recognize this debt and have never entered into an agreement with this entity. I demand proof of the validity of this account or its immediate removal under FCRA 611 and FDCPA 809 ( a ). 

XXXX  XXXX {$1400.00} This appears twice on my report : once as a collection/charge-off account and again as transferred or sold. This duplicate reporting is misleading, inaccurate, and in violation of FCRA 607 ( b ) which mandates maximum possible accuracy. Additionally, I demand a full investigation and deletion if this debt can not be verified. 

XXXX XXXX {$4600.00} This alleged debt is reported as a collection/charge-off account that was sold. I have not received any notice or validation from this entity. Under FDCPA 809 ( a ) and FCRA 611, I demand strict removal. 


3. Unverified Hard Inquiry XXXX Inquiry Date : XX/XX/year> I did not authorize this hard inquiry. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a consumer report if the consumer provides written instructions or there is a permissible purpose. I request the deletion of this unauthorized inquiry.

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 2025-07-21 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I booked a XXXX XXXX XXXX XXXX XXXX XXXX using my Chase credit card. The XXXX XXXX is only revealed after payment. After booking, it was shown to be XXXX XXXX XXXX, AZ, and I immediately discovered the property had dozens of recent XXXX reviews citing health and safety issues : filthy rooms, broken fixtures, cockroaches, mold, and non-functioning AC. 

I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and these conditions made the property uninhabitable and unsafe. I contacted XXXX within XXXX minutes of booking to cancel, but they denied any refund, citing a non-refundable policy, with no regard for the XXXX XXXX XXXX XXXX 

I disputed the charge with Chase and submitted evidence, including reviews and screenshots. But Chase closed the case due to dispute timing, despite the merchant clearly misrepresenting the product ( an unsafe, unsanitary hotel ). I requested a reinvestigation, but was denied. 

I am requesting the CFPBs help to compel Chase to reopen the case or provide a resolution, and hold XXXX accountable for marketing uninhabitable rooms under a deceptive format. 

I have a PDF document with screenshots of public reviews that confirm the health risks, which I am happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: CA

Complaint narrative:
THIS IS A NEW COMPLAINT ABOUT THE SAME CASE XXXX WITH SELENE XXXX XXXX 

On XX/XX/XXXX they submitted you, CFPB, with a letter stating that all had been fixed, including my mortgage payments applied, late fees and other fees removed AND SUPPOSEDLY MY PRINCIPAL BALANCE FIXED. 

Now on XX/XX/XXXX they are saying I owe over {$16000.00} and I have over {$200.00} late fees and Also my escrow acct which had over {$600.00} last month now in less than XXXX XXXX has a NEGATIVE BALANCE OF OVER - {$2200.00} IN LESS THAN A MONTH! There are multiple ESCROW ADVANCES. FOR WHAT? They already paid my insurance in XXXX and I still had a balance of over {$600.00} in XXXX. PROPERTY TAXES NOT DUE UNTIL XX/XX/XXXX SO WHY WHERE DID THIS {$2200.00} DOLLARS GO? This is NOT an honest company. 
I will attach my XXXX Statement so you can see they DID in fact Not fix the problem but MADE IT WORSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Going to four weeks now Wells Fargo has froze my account. They will not give me any reason why they froze my account. They would not let me withdraw my funds. I visited a branch four times and made approximately 15 phone calls and nobody would tell me anything the final resolution is on XX/XX/XXXX they will close my account but it was holding my money XXXX now for four weeks. They wont refund my money if theyre gon na close my account they should close it and give me my money.

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 2025-07-21 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I am submitting this formal complaint to report what I believe to be fraudulent, deceptive, and unfair billing practices by Avent, and to demand immediate corrective action. 
On or about XX/XX/year>, I received an email from Avent explicitly stating that no payment was due at that time. This representation was also reflected on my online account dashboard. Nonetheless, shortly thereafter, I received a notice indicating that my account was past due.

I promptly contacted Avents customer service department by telephone to address this discrepancy and made a payment over the phone. Despite Avents own communication, which misled me into believing no payment was required, the company refused to remove the resulting late fee and further asserted that I owed more than the amount previously reflected on my account.

Subsequently, I observed additional unauthorized and unexplained charges on my account. Avent has failed to provide any justification or documentation substantiating these charges, thereby depriving me of a meaningful opportunity to dispute them. I followed up by calling customer service on two additional occasions and by sending seven separate emails. Avent delayed its responsestaking more than a week to reply in some instancesand failed to acknowledge all of my inquiries. Even when responding, Avent did not adequately explain or correct the errors on my account.

In the meantime, Avent has continued to assess late fees, notwithstanding the fact that its own misleading communications and apparent system errors prevented me from making timely payments. Such conduct appears to constitute deceptive, unfair, and unlawful business practices. Additionally, I was forced to pay the fraudulent charges and fees, as Avant can not explain how they were calculated or where it was from, but shows in my statements which does not explain where the fees/charges came from, in order to mitigate any damage to my credit.

Accordingly, I hereby demand the following remedies : 1. A full written accounting and itemized breakdown of all charges on my account.

2. Immediate removal of all unauthorized or erroneous charges and all related late fees.

3. Written confirmation that my account has been corrected and restored to good standing. 
If this matter is not resolved promptly, I will consider pursuing additional remedies, including but not limited to filing complaints with the appropriate consumer protection agencies and/or seeking legal counsel to protect my rights. 
Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
This is XXXX of those payday advances put a bit different it goes by what is in your checking account. It is an online company and on the first time it limits what you get. i was paying on it on time and when the end of the loan got there i started to realize that the interest and fees kept going up making it impossible to pay off which i didn't agree to. So i paid the balance that i borrowed. But before i did that i called and asked was that okay because what i was getting billed for was not in my contract and the representative told me it was okay. I also asked would that pay my account of, the representative also yes and they would be making a note on my account so i felt like i was doing the right thing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
CEASE AND DESIST LETTER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX XXXX P.O. XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Alleged Debt of {$2300.00} To Whom It May Concern : I am formally notifying you that I dispute the validity of the alleged debt referenced above, and I demand that you cease and desist all further communication with me in relation to this debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Furthermore, if you continue to report this alleged debt to any credit bureau without proper validation, you are in violation of 15 U.S.C. 1692e ( 8 ), which prohibits furnishing false credit information.

Under Ohio law, continued attempts to collect this disputed, unverified debt without providing original documentation constitutes an unfair and deceptive practice in violation of Ohio Consumer Sales Practices Act ( CSPA ), ORC 1345.02.

I hereby demand : 1. Immediate cessation of all phone calls, letters, or any form of communication ; 2. No further reporting of this account to any credit bureau unless full legal validation is provided ; 3. Full documentation verifying the original debt, including contract and chain of assignment.

Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney General, and consideration of legal action. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : MethodofVerification & Complete DataAccess Demand FCRA611 ( a ) ( 7 ) |DoddFrank1033 ( 12U.S.C.5533 ) File # XXXXInitial dispute mailed XXXX ToWhomItMayConcern, I am in receipt of TransUnions reinvestigation results dated XXXX, which state that the following tradelines were verified as reported : XXXX  Acct # XXXX XXXX XXXX XXXX XXXX ( Collection {$620.00} ) XXXX Acct # XXXX XXXX XXXX XXXX XXXX  ( ChargeOff {$610.00} ) Because TransUnion continues to report these items, I now invoke my rights under 15U.S.C.1681i ( a ) ( 7 ) and DoddFrank1033 to obtain the full Method of Verification ( MOV ) and all data relied upon. 

Information Requested please provide within XXXX of receiving this letter : Identity of every person, company, or system contacted during your reinvestigation, including name, mailing address, phone number, and date of contact. 

Copies of all documents, XXXX data files, XXXX  responses, screenshots, or audio recordings TransUnion received or used to verify each tradeline. 

Narrative description of the procedures you followed to determine accuracy and completeness, as required by FCRA611 ( a ) ( 6 ) ( B ) ( iii ). 

Detailed itemization of the Balance and PastDue Amount fields you are reporting, including calculations or business rules applied. 

Explanation of outstanding XXXX errors noted below : XXXX Missing DateofFirstDelinquency ( DOFD ) PortfolioType coded Factoring Company / Open Account instead of Collection Account coded Closed yet still shows balance and pastdue amounts XXXX chargeoff No DOFD reported PastDue {$610.00} still listed after chargeoff XXXX consecutive C/O status codes but no paymenthistory freeze at DOFD Preservation of Rights If TransUnion can not produce the requested MOV/1033 data in full, please delete both tradelines under FCRA611 ( a ) ( 5 ) ( A ) and supply an updated credit report. 

Failure to comply within XXXX will leave me no choice but to seek relief through the CFPB, the XXXX  Fair Business Practices Act, and any other remedies available under state and federal law. 

Thank you for your prompt attention. I look forward to your written response. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone fraudulently conducted ACH payments from my checking account to their XXXX XXXX XXXX 

I did not authorize these payments, I have never had a XXXX XXXX, and I have never used the name XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX ACH debit {$1400.00} XX/XX/year> XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX ACH debit {$160.00} XX/XX/year> XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit {$450.00} XX/XX/year> XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX ACH debit {$420.00} XX/XX/year> XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX CO NAME : XXXX XXXX XXXX XXXX XXXX CO ENTRY DESCR : E-PAYMENT SEC : WEB TRACE # XXXX XXXX IND XXXX IND NAME : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX ACH debit {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: DE

Complaint narrative:
On or about XXXX of this year, a debt validation was received but was incomplete as to furnishing proper documentation. 
Please find attached, the documents that were received, a letter of " explanation '' and copies of bills about alleged creditor. No documentation was provided saying that the collection agency was given ownership of said debt. 
Furthermore, after some further investigation, as per " XXXX XXXX XXXX Company '', the collection agency in question ( XXXX XXXX XXXX ) does not have a license to operate in the state of Delaware.

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