vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
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 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: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Tribal Lending Enterprise, Inc.
State: TN

Complaint narrative:
I opened an account with ascend XXXX XXXX i am being charged a XXXX XXXX maintenance fee for not having an average of XXXXXXXX XXXX in my account. When i opened the account they clearly told me i hsve to keep XXXX XXXX in my savings and checking didnt have a minimum. I have also not been charged this fee regularly i only noticed it now because it caused my account to overdraft. I feel like its unfair and deceptive to not clearly say you must maintain an average monthly balance of XXXXXXXX XXXX  or be charged a fee. Also the monthly average is deceptive because if u have to pull out all your money for a large purchase etc then you automatically fall below that average for someone living paycheck to paycheck as a XXXX XXXX XXXX XXXX XXXX its hard to keep a regular balance of XXXXXXXX XXXX especially when i didnt know.

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 2025-10-01 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/year>, I returned XXXX ( XXXX ) XXXX XXXX Engage Multi-Function Handshower and Rainfall Shower Head Trim Combo with Valve, at {$160.00} each ( {$320.00} + tax ). The items were dropped off at XXXX with tracking numbers [ list them ], each showing a package weight of XXXX lbs, which matches the XXXX items. 

XXXX incorrectly processed my refund. On XX/XX/year>, they refunded me {$84.00} for XXXX KZH faucets ( {$39.00} each ), which were never returned and remain installed in my home. XXXX error left me without a refund for the actual returned items. 

I filed a chargeback with my credit card issuer, providing : Order details XXXX tracking with package weights XXXX refund confirmation showing the wrong items refunded Photos showing the KZH faucets still installed in my home Despite this evidence, my credit card issuer denied my chargeback twice, stating that XXXX had already refunded me. This is incorrect XXXX refunded the wrong items. 

During both disputes, my credit card issuer disputed incorrect amounts, {$760.00} and {$520.00}. 

I am requesting that my credit card issuer re-investigate this dispute, as the evidence clearly supports that I returned {$320.00} worth of merchandise and only received {$84.00} back for unrelated items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america can stop a company XXXX to take payment for the amount {$3900.00} for XXXX consecutive months ... speak with customer services more than XXXX time for 3 months and nothing is done also speaking with XXXX to stop taking money and still take the money every single month automatically....

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 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: IL

Complaint narrative:
I have been repaying federal student loans since XXXX and consolidated in XXXX. Under the Department of Educations One-Time XXXX Account Adjustment, my repayment and forbearance history prior to consolidation should count toward XXXX forgiveness. Despite multiple calls, secure messages, and XXXX XXXX  complaints ( cases # XXXX, # XXXX, # XXXX, # XXXX ), my servicer ( XXXX ) refuses to provide my official qualifying payment count or full payment history. They only redirect me to XXXX, which does not show my official count. I am requesting that Edfinancial and the Department of Education provide : A complete qualifying payment count for both XXXX Consolidation Loans. 

Confirmation that my XXXX repayment history is credited. 

A copy of my full payment and status history. 
I have attached prior Ombudsman letters and my XXXX XXXX XXXX for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: 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 2025-10-01 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The b
anking 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-01 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: CA

Complaint narrative:
Please act within the bounds of 15 U.S. Code 1681g and remove disputed items on 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 non-monetary relief
Consumer complaint received 2025-10-01 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX Bankruptcy Account Number : 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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
After the loan was received I provided all the information they requested for the collateral for a boat. The bank said they did not need it because the state would send them the information they needed. Several months later I was contacted by Navy Federal to provide this information. I took it to the Branch where i applied for the loan ( over an hour away ) they did not want it or need it. I begain to receive more letters requesting information on the Boat, Motor, and trailer or they would increase my intrest rate. I mailed the information they reversed the intrest rate back to the original amount. 6 months later i started receving letters again saying i needed to provide the same information again or they would increase my intreat rate again. I explained I have provided or tried to provide this information many time and have a letter from them stating I have provided all the information required of me. Then they started asking for a Bill of Sale this was 2 years after the start date of the loan. I did not have a bill of sale had no way of contacting the seller or getting a Bill of sale. So, they increased the loan rate a second time. I contacted the bank yesterday about the increase in intrest rate. I was told I needed to provide a Bill of Sale regardless its been 3 years. Now they are requiring the same information I already provided ie boat, engine, trailer, and a bill of sale or they will not lower my intrest rate back to the agreed amount. In the 3 years I have had the loan I have never missed a payment or been late. I have repeatedly provided this information in person and by mail, and enough is enough.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/year> Via Certified Mail To Whom It May Concern, This letter is a formal dispute of the reported collection account from Source Receivables Management for {$1500.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX Reported, Account # XXXX ). 

Pursuant to my rights under federal law : 15 USC 1692c You are prohibited from communicating with me at inconvenient times/places or contacting third parties regarding this alleged debt. All communication must be in writing.

15 USC 1692g You are required to provide proper validation of the debt. Until you do, you must cease all collection activity and reporting.

15 USC 1681 ( b ) The Fair Credit Reporting Act requires that only accurate and verifiable information be reported. Unverified or inaccurate information must be removed from my credit report. Since no validation has been provided, you are in violation of the above statutes. I demand that this account be immediately deleted from my Experian and TransUnion credit reports within XXXX hours, or I will pursue all available remedies under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
XXXX - MOHELA received a credit report dispute and request for correction or deletion of incorrect and inaccurate information.  This was evidenced by a screenshot of my account with them, as reported to each of the three credit reporting agencies, with the discrepancies highlighted.  Proof of delivery via USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX shipped to and received by MOHELA.  XXXX XXXX MOHELA sent me a reply that did nothing to address my concerns.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IN

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 2025-10-01 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: IN

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 2025-10-01 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: MD

Complaint narrative:
I am submitting this formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain only accurate, complete, and verifiable information on consumer reports. 
Despite multiple prior disputes and complaints, my credit file continues to reflect unauthorized and inaccurate late payment entries, even though the associated accounts have been removed after investigation. 
This continued reporting is a direct violation of : 15 U.S.C. 1681e ( b ) : requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. 
15 U.S.C. 1681i ( a ) : requiring prompt reinvestigation and deletion of any information that can not be verified as accurate.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibiting furnishers from reporting information they know or should know is inaccurate. 
The accounts in question were deemed inaccurate, fraudulent, or unauthorized. Yet the late payment entries tied to them still remain : XXXX XXXX XXXX XXXX  ) missed payments still reporting despite account deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX missed payments still reporting, even though the account was found fraudulent and removed due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX missed payments still reporting despite prior disputes and investigations. 
The presence of these late payments, absent the accounts themselves, is unlawful, misleading, and materially damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: AZ

Complaint narrative:
I am formally disputing the fraudulent and inaccurate information being reported in my Equifax credit file regarding the account listed below. This account is the direct result of identity theft and must be removed immediately. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is required to conduct a proper reinvestigation and provide me with the procedures used to verify this account. If the account can not be verified, you must delete it without delay. 

Additionally, under 15 U.S.C. 1681c-2, credit reporting agencies must block all information resulting from identity theft once a valid FTC Identity Theft Report has been provided. I have submitted such a report ( FTC Report # XXXX, which requires Equifax to permanently block this account from my file. 

The following account must be deleted from my record immediately : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Balance : {$13000.00} High Balance ( XXXX XXXX Equifax ) : {$39000.00} XXXX XXXX XXXX vs {$13000.00} ( Equifax ) contradiction proves inaccuracy Date of Last Activity : XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( Equifax ) inconsistent reporting Status : Closed / Collection / Chargeoff The presence of this account is misleading, unverifiable, and violates 15 U.S.C. 1681s-2 for the furnishing of inaccurate information. Furthermore, under the Gramm-Leach-Bliley Act, 15 U.S.C. 6802, I have a right to privacy regarding my financial information, which is being violated by Equifaxs continued reporting of this fraudulent data. 


I hereby demand that Equifax : Immediately delete the XXXX XXXX XXXX account from my credit file. 

Provide written confirmation of the deletion. 

Issue an updated copy of my corrected credit report. 

You are required to respond within 30 days under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX XXXX XXXX ) linked to XXXX XXXX. The debt became delinquent in XXXX, making it time-barred under state law. However, XXXX re-aged the tradeline to show it as Opened XX/XX/XXXX, falsely making it appear as a newer debt. 

Other credit bureaus deleted the account, but XXXX still reports it to Equifax. I sent several validation requests asking for a signed contract, full account history, and proof of assignment, but XXXX failed to provide any of these. 

On XX/XX/XXXX, the same day I chose arbitration under the original agreement, XXXX pulled my credit report without a permissible purpose, which seems retaliatory. Since then, this false reporting has caused housing and loan denials, higher interest rates, and continued financial and emotional harm. 

These actions violate the FDCPA ( failing to validate and misrepresenting the status of a time-barred debt ) and the FCRA ( false reporting, re-aging, reinsertion without notice, and impermissible credit inquiry ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Credit company removed my auto payment so I missed payment by a day or XXXX and I wasn't notified that I had payment or missed it either/ So basically this company goes into your account, removes your auto payment without notifying you, extra fees you for being a day late and ruins your life and credit score. Seems totally fair right?

Company response to consumer: Closed with explanation