vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I received a letter stating my credit card account with Capital One was in danger of being closed on XX/XX/XXXX due to " inactivity ''. It stated all I had to do was " just use your card before XX/XX/XXXX and it'll stay active ''. On XXXX XXXX I went to make a purchase and notice my card had expired on XXXX of XXXX. I immediately called customer support and spoke to 2 representatives, one being a normal support engineer and then I requested a supervisor and was transferred to a XX/XX/XXXX support supervisor. In our conversation I explained what I was trying to do and also that I was surprised that I didn't have even a current valid card. She explained that they never sent me one. I learned in a later conversation with another senior support supervisor, that since my account hadn't been used in a while, by the XX/XX/XXXX expiration of the prior card, they didn't send out a current replacement card. I didn't even realize my card was expired. Going back to the first senior support supervisor, she said that would be no problem sending me out a new card. She stated it would take 4 to 6 business days to receive the card which at the latest would be XX/XX/XXXX. Fast forward to to XX/XX/XXXX, I receive an email stating that my account which had been active for 25 years was closed! I hadn't even received the new card yet!! The XXXX would have been 7 business days. I immediately called Capital One to find out what happened and why I hadn't received the new card. They said they mailed it but I hadn't received it by the XXXX business day which they said I would. In fact I didn't receive it until XX/XX/XXXX which was the XXXX business day!! When I spoke with them I told them I hadn't even received the card yet so I couldn't make a purchase to continue my account being active. I tried to get them to reopen my account but they said they couldn't and there was nothing they could do. I called the next day, Thursday the XXXX and tried to get a resolution but even after telling the supervising support representative that up until that moment I still hadn't even received the card yet, again, there was nothing they could do telling me I would have to apply for a new account all over again. I think this situation should have been handled much differently not only after agreeing to send out a new card, maybe extending the expiration of the account at least until I received the card, or immediately afterwards, once they realized I hadn't even had the opportunity to keep my account open due to them not getting me the new card by their promised time frame. I'm asking for help in reinstating my long standing account which up until that was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Im writing to dispute the above accounts because they are being reported incorrectly and unfairly. When I pulled my credit reports, I noticed several issues that should not exist : The balances dont match across XXXX XXXX XXXX XXXX XXXX  .

The status isnt consistent one bureau says charge-off, another says open derogatory.

The dates of delinquency dont line up, which makes it impossible to calculate the proper reporting period under federal law.

The same account is being duplicated across bureaus, which exaggerates the negative impact on my file.

This kind of inconsistent reporting violates both federal and state law. Under the FCRA ( 623 and 611 ) and the Texas Finance Code, youre required to make sure anything you furnish is complete and accurate. If it cant be verified with full accuracy, then the law requires deletion not just another update that leaves conflicting information in place.

Ive already submitted this dispute through the CFPB and included copies of the reports showing these issues.

What Im Asking I need Discover to delete these tradelines completely from all three credit bureaus. The way theyre reporting now is false and damaging, and its your responsibility to fix it. Updating bits and pieces wont solve the problem the only fair outcome is full deletion.

Please send corrections to the bureaus right away through e-OSCAR and confirm in writing that this has been done.

If this isnt resolved within 7 days, Ill have no choice but to take the next step, which includes legal action under the FCRA and Texas Finance Code. This letter also serves as my intent to sue if the inaccurate reporting continues. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Paid a debit for a car payment. It was immediately debited from account on the XXXX of XX/XX/year>. On the XXXX, a day later, they removed the transaction from my history on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute and Request for Blocking of Fraudulent / Inaccurate Information under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am formally disputing and demanding deletion of the following information from my credit file as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), Sections 605B ( 15 U.S.C. 1681c-2 ), 609 ( a ), and 611 ( a ), you are required to block unverifiable, inaccurate, outdated, and fraudulent information from being reported. 
XXXX. Personal Information Errors- Incorrect/variant names : XXXX XXXX XXXX XXXX XXXX XXXX This information is inaccurate and must be permanently deleted. 
XXXX. Derogatory / Negative Accounts The following accounts are either fraudulent, inaccurate, or can not be properly verified, and must be blocked under FCRA 605B : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Ally Financial ( Repossession ) - XXXX XXXX XXXX / subsidiaries ( multiple entries ) - XXXX XXXX - XXXX XXXX XXXX XXXX ( negative/derogatory trade lines ) - XXXX XXXX XXXX XXXX XXXX reporting ) - XXXX XXXX XXXX XXXX ( negative trade lines ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections/ Repossessions - XXXX XXXX ( auto repossession ) - XXXX XXXX XXXX ( collection ) - XXXX XXXX XXXX ( collection ) These items are the result of either identity theft, inaccurate reporting, or unverifiable records, and are causing ongoing harm. 
My Rights under Federal Law - Under FCRA 605B, you must block the reporting of all disputed fraudulent information within four ( 4 ) business days of receipt of this letter and supporting documentation. - Under FCRA 611 ( a ), you must complete a reinvestigation of disputed information within 30 days and provide me written results. - Under FCRA 609 ( a ), I have the right to receive verification of all reported accounts. If you can not produce signed contracts, account applications, or verifiable evidence linking me to the alleged debts, the accounts must be permanently deleted. 
Enclosures Provided : 1. Government-issued ID 2. Proof of address 3. FTC Identity Theft Report / Police Report ( if applicable ) Failure to comply will constitute willful noncompliance with the FCRA, subjecting your agency to civil liability under 15 U.S.C. 1681n and 1681o. 
I demand written confirmation of permanent deletion of all the above inaccurate and fraudulent information. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding serious issues with my Wells Fargo XXXX XXXX XXXX XXXX account. On XX/XX/XXXX, I received an email from Wells Fargo stating that my account address had been changed to P.O. XXXX XXXX, XXXX XXXX XXXX, Florida. I did not request or authorize this change. On XX/XX/XXXX, I went in person to the Wells Fargo branch in XXXX XXXX, Florida, to report my concern. At that time, my account balance was {$2800.00}. The bank informed me that they could not release the funds directly to me, but that they would issue a refund check in my name and mail it to my home address. I never received this check. I contacted Wells Fargo multiple times to follow up. After their investigation, they provided me with a copy of the check. However, the check was issued in my late husbands name and had already been cashed. I did not cash this check, nor did I authorize anyone else to do so. My husband XXXX passed away on XX/XX/XXXX. We had opened this account jointly in XXXX. On XX/XX/XXXX, I went to the same Wells Fargo branch in XXXX XXXX with his Death Certificate and requested that his name be removed from all of our accounts ( checking, savings, and credit card ). Despite my request, Wells Fargo failed to properly update the account records and allowed a check in my late husbands name to be issued and cashed, without my knowledge or authorization. This situation has caused me a lot financial loss and 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 2025-09-13 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Resurgent Capital Services managing agent for LVNV Funding LLC Indentity left, illigal reporting on credit report for {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The account was closed without reasoning and paid in full on XX/XX/year>. The fulla amount paid was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood closed my brokerage account without reason on XX/XX/2025, liquidating all my stock and crypto investments. Since then, I have yet to receive these liquidated funds totaling {$25000.00}. Over this period, I have constantly sent emails as the company has limited my ability to call their customer service. This delay has caused my nothing but financial stress and XXXX. If you choose to close my account, then return my money without taking forever. I have use for my money!! Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MicroBilt / PRBC (formerly CL Verify)
State: NY

Complaint narrative:
MicroBilt reported/transmitted inaccurate and internally inconsistent data across multiple tradelines ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ). Examples include Open/Closed conflicts, duplicate collectible balances for a sold debt, a XXXX label on a credit-card collection, and date inconsistencies ( XXXX vs. Date Reported ) that can distort obsolescence. I disputed and requested the method of verification ; MicroBilt did not provide adequate correction or transparent verification. This violates FCRA 1681e ( b ), 1681i, 1681c, 1681b, 1681g ( a ) and fails XXXX XXXX expectations ( sold-debt handling, correct collection classification, accurate DOFD ). I request a proper reinvestigation ; deletion/correction of unverifiable or misleading data ; the full method of verification ; XXXX  XXXXcompliant recoding ; an updated disclosure ; and no reinsertion without 1681i ( a ) ( 5 ) notices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: LA

Complaint narrative:
I AM REQUESTING MY FULL FILE DISCLOSURES FROM ALL CRA 'S IN A TIMELY MANNER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a transfer through Remitly in the amount of USD XXXX to my personal account in XXXX XXXX XXXX. According to Remitlys receipt (Reference: XXXX XXXX XXXX XXXX), the funds were confirmed and made available on XXXX XXXX XXXX, but they were deposited into the wrong account due to a digit error.\n\nI contacted both Remitly and XXXX XXXX immediately. The bank confirmed that the funds were misapplied, but stated that only the remittance company (Remitly) can initiate the recovery process. Remitly initially told me they would work with their banking partner, but later closed my case, saying they cannot recover the funds if the recipient refuses.\n\nRemitly closed my case without offering a proper resolution.\n\nThey failed to provide me with the full documentation of where the funds were deposited (account holder details).\n\nI believe Remitly has not taken all possible actions to recover my funds or provide transparency.\n\nA full investigation of my case.\n\nOfficial documentation of the transaction showing the exact receiving account details.\n\nThat Remitly re-open my case and take all necessary actions with their banking partner to recover my funds.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays XXXX Mastercard. I made a {$1500.00} payment as I was at the limit for the card. The payment took about a week to reflect in my available balance after it was taken from my bank account. During that time, a charge of ~ {$200.00} was entered for interest. The day the payment reflected in my available credit, I rented a car with the card for about {$500.00}. While that transaction was still pending, Barclay reduced my credit limit to {$1500.00} less after I made the payment. This put me over the limit with both the interest charge and the rental car transaction- while I had the rental car. 
I asked them if they would reduce it by the same amount as my next payment and they said it was impossible for them to tell. 
Given that the interest fee was charged before the limit change and I quickly went over the limit, even with a pending transaction with NO notification, I feel that this was predatory in nature. I've now been charged a fee for overdue payment. In addition, mostly, this has affected my credit score as my utilization on this card is now 102 % which I had NO ability to prevent. I only realized this when being denied for rental housing SOLELY because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
THESE COMPANIES FILED INQUIRIES WITHOUT MY 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 2025-09-13 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
THESE COMPANIES FILED INQUIRIES WITHOUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Follow-up Cease and Desist Letter Sent to Debt Collection Agency To Whom It May Concern : I am writing to follow up on my previous complaint regarding I.C Systems which is attempting to collect a debt that appears on my credit report. 

On, XX/XX/year> I sent a formal cease and desist letter/email to the agency, requesting that all communication with me cease immediately, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite this request, this debt remains inaccurately reported to the credit bureaus I have attached a copy of the cease and desist letter for your review. 

I am asking the CFPB to : Investigate this agencys conduct. 

Ensure the agency complies with my cease and desist request. 

Review the validity of the reported debt and its appearance on my credit report, if applicable. 

Thank you for your attention to this matter. Please let me know if further documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: NJ

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation