vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I make it a priority to review my credit report regularly because maintaining a strong credit score is very important to me. However, I continue to see multiple inaccurate and false accounts reported under my name. Despite my repeated efforts to have these errors corrected, the issue remains unresolved. This ongoing inaccuracy has caused unnecessary stress and frustration, and it continues to harm both my credit score and my overall financial well-being.

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 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please delete the false late payment record right away. My account history demonstrates punctual payments, and this error is affecting my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, I purchased an airline ticket from the merchant, XXXX, for {$720.00}. I received an order confirmation and e-ticket via email. 

In XX/XX/year>, I contacted the merchant through their online chat to request a cancellation. I was informed of a 'cancellation fee ' that was greater than the total value of my ticket, making any refund impossible. This exorbitant fee was not disclosed at any point during the purchase process. 

On XX/XX/year>, I submitted a dispute with AMEX for this charge, as the service was not rendered and the cancellation terms were misrepresented. 

On XX/XX/year>, I again formally requested that the merchant cancel the ticket, communicating this through both online chat and email to ensure there was a record. 

On XX/XX/year>, AMEX informed me that they had resolved the dispute in the merchant 's favor. AMEX stated that the merchant provided evidence that the 'terms and conditions of the purchase were clearly disclosed both verbally and in written form. ' This is factually incorrect and is the basis of my complaint against both AMEX and XXXX. AMEX accepted the merchant 's claims without proper scrutiny and has since refused to accept any follow-up communication regarding this dispute. 

Refuting the Merchant 's 'Evidence ' : The merchant 's claim of 'verbal disclosure ' is false, as I never had a phone call with them. All communication was via email and online chat. Furthermore, the merchant submitted 'terms and conditions ' and a 'purchase form ' to AMEX as evidence. I attest that I never saw these specific terms at the time of purchase, and the form they provided to AMEX is different from the checkout screen I used. The excessive refund fee was not disclosed. The attached confirmation email from the merchant also contains no links to or attachments of these terms. 

Refuting the Merchant 's 'Process ' : The merchant wrongly implies I failed to follow their cancellation process. My attached email thread clearly shows I made an unambiguous request to cancel. The merchant refused to honor this request and instead insisted I sign additional forms and agree to new terms and conditions. Due to the deceptive nature of the hidden fees, I did not trust their process and did not sign these additional forms. My intention to cancel was made perfectly clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in reporting are both improper and unlawful.

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 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: We Collect Inc
State: OR

Complaint narrative:
I had a debt that had a judgement issued for and was paid off by wage garnishments. The final payment that satisfied the judgement was made with my paycheck on XX/XX/year>. The collection agency confirmed to me that they received the final payment on XX/XX/year> that the debt was satisfied and paid in full, however there was an overpayment of {$570.00} that came from a wage garnishment. The collection agency acknowledged the over payment and advised a payment would be issued. However as of todays date XX/XX/year> no payment has been received. I contacted the collection agency again today XX/XX/year> requesting payment and they informed me the payment was still being processed and will eventually be sent. Its been over over a month and I still have no repayment, meanwhile my funds are sitting in their bank account gaining interest for their company. Collection agency neglected to information my employer of remaining balance of judgement, that could have prevented over payment. This was done on purpose so the collection agency could accrue additional interest on the overpayment. It takes 10 minutes to print check and mail it. 

Time line : XX/XX/year> : My Payday / Wage Garnishment Deducted / Debt Satisfied XX/XX/year> : I emailed collection agency looking for update on repayment of overpayment funds. I was informed payment would be eventually sent to me. 
XX/XX/year> : I emailed collection agency again looking for update on repayment of my funds and was I was informed payment would be eventually sent to me. As of today, 30+ days I still have not be repaid.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank
State: VA

Complaint narrative:
Dates of concern communication XX/XX/XXXX XX/XX/XXXX To Whom It May Concern : I am writing to formally document that I have already reached out to all three major credit bureausXXXX XXXX and XXXXregarding inaccurate information that continues to appear on my credit report. Despite submitting my dispute ( s ) and providing supporting documentation, the incorrect information has not been corrected or removed from my credit profile.

The disputed item ( s ) include : Credit card collection account that does not belong to me or an account incorrectly marked as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
In XX/XX/year>, I entered into a {$1800.00} payment plan with Cherry Technologies , Inc. to finance a package of XXXX XXXX XXXX  treatments with XXXX XXXX. I received only 1 treatment before XXXX XXXX permanently closed its doors in XX/XX/year>. 

I have extensive documentation showing I was an active patient, scheduling appointments throughout XXXX, XXXX, and XX/XX/year>. When I discovered the closure, I immediately requested a refund from XXXXXXXX XXXX via text message on XX/XX/year>. They acknowledged the closure and directed me to their website confirmation. 

Despite providing Cherry with : - Proof of permanent business closure - My service agreement for 4 sessions - Evidence of my active appointment history - Documentation that I only received 1 of 4 sessions Cherry denied my refund request and suggested I contact the permanently closed business at their defunct phone number. I have paid the full {$1800.00} to Cherry, but they refuse to refund the portion for the 3 undelivered sessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal request for the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. Relevant supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX has reinstated inaccurate information on my Equifax credit report. This account was previously disputed and removed, but Equifax has reinserted it without proper verification or notice as required under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ). I am requesting immediate removal of this inaccurate information and proof of how it was verified before being reinstated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Got it that extra {$22.00} interest means they actually hit you for {$330.00} total ( {$160.00} + {$22.00} + {$150.00} ). That strengthens your complaint because it shows they already adjusted part of it, proving they recognized an issue, yet they still kept charging. 

Heres your final, ready-to-submit CFPB complaint text reflecting everything, including that {$22.00} and the system failure that blocked your XXXX payment CFPB Complaint Text ( Final Version ) Issue : Capital One charged me over {$330.00} in interest and late fees even though I paid my full balance, and the missed payment that triggered all of this was caused by their own payment system failure. 

Details : I have a Capital One Quicksilver credit card ( ending in XXXX, credit limit {$8800.00}, 27.99 % APR ). I always pay on time. On XX/XX/year>, I accidentally made an incorrect payment and canceled it immediately. When I tried to pay my correct full balance on XX/XX/XXXX ( the due date ), the Capital One app blocked my payment and displayed an error. I called customer service that same day, but they confirmed that no payment could be accepted. Despite this being their systems fault, Capital One reported it as a missed payment. 

After that, they charged me {$160.00} in interest for XXXX, partially refunded {$22.00}, then charged me another {$150.00} in XXXX totaling {$330.00} in finance charges plus late fees and loss of my grace period. 
My balance was paid in full on XX/XX/XXXX, yet they continued charging interest even after I brought the account current. 

I spoke with multiple representatives and even escalated the issue, but they refused to reverse the charges, insisting that the interest was valid under policy. This is unreasonable since I tried to pay on time and was blocked by their own system error. 


Supporting documents : XXXX & XX/XX/year> statements showing the interest charges ( {$160.00}, {$22.00} credit, {$150.00} ). 
Proof of XX/XX/XXXX full payment. 
Terms and conditions letter showing 27.99 % APR and {$8800.00} credit limit. 
Screenshots and notes from failed XX/XX/XXXX payment attempt and support call. 

Summary : This was a one-time incident caused by Capital Ones system, not my negligence. I paid in full, yet they charged over {$330.00} in interest finance charges and refused any goodwill adjustment. Im requesting the CFPB to review and help correct this unfair billing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
On XXXX Midland Credit was sent a denial of a claim of an alleged debt being owed by myself XXXX XXXX. I requested Midland Credit Management, XXXX XXXX to provide proof of any signed agreement or promise in accordance with Arkansas Code 4-59-101 ( a ) ( 2 ). Midland continues to pursue collection efforts without providing the requested documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Advertised promises.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains serious inaccuracies that fail to meet the standard of maximum possible accuracy. These errors have caused significant distress and continue to negatively impact me in ways that are deeply concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My Demand for Investigation under the Fair Credit Reporting Act ( FCRA ) : I demand that you conduct a reasonable reinvestigation of this disputed information as required by 15 U.S.C. \S 1681i ( FCRA \S 611 ). You must :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
URGENT ESCALATION - CLAIM OF WILLFUL NONCOMPLIANCE AND DELIBERATE FINANCIAL DISTRESS This complaint escalates a long-standing issue ( spanning nearly ten months ) of unlawfully withheld funds by Navy Federal Credit Union , despite multiple prior complaints filed with the CFPB. 

History of Noncompliance ( Previous CFPB Case Numbers ) : XXXX ( Filed XX/XX/year> - Closing an account ) XXXX ( Filed XX/XX/year> - Managing an account ) XXXX ( Filed XX/XX/year> - Managing an account ) XXXX ( Filed XX/XX/year> - Managing an account ) On XX/XX/year>, I issued a Final Demand, requiring the immediate return of my funds via ACH transfer, citing the bank 's continued failure of fiduciary duty. 

EVIDENCE OF WILLFUL NONCOMPLIANCE : NFCU, specifically through its Funds Disbursement XXXX XXXX XXXX ( see attached email dated XX/XX/year> ), acknowledged the ACH method but deliberately rejected my demand by unilaterally imposing a new, arbitrary 20-day delay, stating the payment will be processed " on or around XXXX XX/XX/year>. '' This act imposing an unsupported, non-essential 20-day delay for a routine ACH transfer despite months of prior complaints constitutes clear and conclusive evidence of willful noncompliance and deliberate financial distress. The delay is not based on operational necessity but is intentionally forcing me to endure further severe emotional and practical hardship. I have zero justification for this delay after 10 months of waiting. 

EVIDENCE OF FINANCIAL DISTRESS AND OBSTRUCTION : The ongoing willful withholding of my funds directly results in deliberate financial distress. I have attached evidence of essential outstanding bills that I am currently unable to pay. Furthermore, the Credit Unions obstruction is actively interfering with my ability to access external income, including a recent XXXX payment received from the XXXX XXXX XXXX class action settlement. This interference constitutes a separate, ongoing act of damage, demonstrating that NFCUs policy is to block all avenues of my financial liquidity. 

My funds must be released immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled, as these inquiries still remain. This lack of action is completely unacceptable. 

The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This ongoing issue has caused significant emotional and financial distress.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-10-21 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief