vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I received an email from XXXX XXXX stating : Your accounts will be closed. The recent unusual activity on one or more of your accounts is very different from the way you normally bank.

This notice came without any prior warning or communication. I have not made any unusual transactions or changes to my accounts recently. My only recent activity has been logging into online banking. No other actions were taken by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C 1681c-2 ) that you, XXXX  credit reporting agency, block information appearing on my Consumer credit report that is the result of identity, theft, and fraud within four business days of you receiving this complaint I am filing this FTC identity, theft affidavit to report a fraudulent account appearing on my Consumer FICO XXXX, credit report, which I do not recognize as reported in which are the result of identity, theft and fraud. This fraudulent accounts consist of a loan account opened at XXXX XXXX XXXX ACCOUNT NUMBER XXXX. THIS ACCOUNT HAS REPORTED SEVERAL FRAUDULENT ACTIVITIES APPEARING ON MY CONSUMER CREDIT REPORT. I DEMAND THAT THE AFORMENTIONED FRAUDULENT ITEMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND THAT ALL COLLECTION ACTIVITY RELATED TO SAID ITEMS CEASE, PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS.

All accounts above collections, late payments, and charge offs result from identity, theft, and fraud. I have attached a copy of FTC identity, theft criminal complaint number XXXX as proof from the US federal trade commission that all of the aforementioned Consumer credit accounts, collections, charge all are the result of identity, theft, and fraud. I have attached a copy of FTC identity theft criminal complaint number XXXX as proof from the US federal trade commission that all of the F4 mentioned consumer credit accounts, collections, charge offs are the result of identity, theft, and fraud. I demand that the fraudulent items be removed from my consumer credit report that all collection activity related to items see pursuing to my rights within the FCRA and FDCPA laws.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX Subject : Demand for Immediate Block of Fraudulent Information Resulting from Identity Theft Pursuant to FCRA 605B This complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, TransUnion, and Experian, block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

I have filed an official report with the Federal Trade Commission, and a copy of my FTC Identity Theft Report is attached. ( FTC Case # [ Enter your FTC case number here ] ).

The fraudulent, inaccurate, and false information to be blocked is as follows : Fraudulent Credit Accounts : XXXX XXXX ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) I am a victim of identity theft. I state unequivocally that I did not open, authorize, or transact on any of the accounts listed above. They are not mine. All of these accounts, collections, and any associated inquiries are the direct result of identity theft and fraud. 

Resolution Requested : Pursuant to FCRA 605B, I demand that you block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within 4 business days of receiving this complaint. I also request that all written confirmation regarding this matter be sent to my email address on file.

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 2025-08-19 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX Subject : Demand for Immediate Block of Fraudulent Information Resulting from Identity Theft Pursuant to FCRA 605B This complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, TransUnion, and Experian, block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

I have filed an official report with the Federal Trade Commission, and a copy of my FTC Identity Theft Report is attached. ( FTC Case # [ Enter your FTC case number here ] ).

The fraudulent, inaccurate, and false information to be blocked is as follows : Fraudulent Credit Accounts : XXXX XXXX ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) XXXX XXXX  ( Account # XXXX XXXXXXXX ) Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) I am a victim of identity theft. I state unequivocally that I did not open, authorize, or transact on any of the accounts listed above. They are not mine. All of these accounts, collections, and any associated inquiries are the direct result of identity theft and fraud. 

Resolution Requested : Pursuant to FCRA 605B, I demand that you block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within 4 business days of receiving this complaint. I also request that all written confirmation regarding this matter be sent to my email address on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: GREENSKY OPERATIONS, LLC
State: IL

Complaint narrative:
In XXXX, I received dental treatment through a provider that arranged a GreenSky loan for over {$3000.00}. I was not informed clearly that I was signing a binding loan agreement. I believed I was checking financing eligibility, not committing to a loan. I do not recall being given a copy of the agreement.

This summer, I learned the dental office told me at the time that my insurance ( XXXX ) denied the claims and gave {$0.00}. However, on XX/XX/XXXX, XXXX fa

xed documentation to the dental office showing they did pay part of the claims. My insurance also informed me that I was charged for a service that should have been covered if the dental office had followed correct protocol. There is also a discrepancy : the services submitted dont match the {$3000.00} loan amount. The dental office delayed confirming receipt of the fax and is now denying they received payment even though I was on the phone with my insurance when they faxed it and confirmed they spoke with the office. Despite requesting my full, itemized billing statement on XX/XX/XXXX, the office claims my records are archived and has delayed release beyond the 30-day timeline required under Illinois law . They are now suggesting I may need to pay a fee for access.

Ive emailed GreenSky since XX/XX/XXXX requesting : - A copy of the signed loan agreement - Loan disbursement date and recipient - Total amount disbursed and loan status I received only automated responses or requests to call. I stated clearly I prefer written communication and cited my rights under the Fair Credit Reporting Act. They have not fulfilled my request. I believe I was misled into this loan, and the amount disbursed may not even match the amount owed due to the dental offices billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Incomm Holdings Inc.
State: MN

Complaint narrative:
On XX/XX/year>, I bought a XXXX Vanilla Gift Card in order to purchase things from online stores like XXXX and XXXX. On the XXXX website, the Vanilla card is advertised as being applicable to anywhere you want to spend it and as easy to spend. Additionally, the top websites that popped up during this search also confirmed that these giftcards are applicable anywhere online and in person. Believing this, I bought the {$50.00} XXXX Vanilla Gift Card at the XXXX XXXX ( I was charged {$54.00} because of purchase fees and I can provide a receipt ) and tried to use it to buy from the aforementioned online shops. All I received from these websites were messages along the lines of card on hold, please select a different one, or unable to process your card. This led me to try and purchase from alternate online stores like XXXX  only to be met with the same message. So I tried digging deeper into the internet to see if Im doing something wrong with the card, and it turns out that countless of others are facing the same issue. Next, I took some advice off the internet and activated the card through the Visa Vanilla website but that did nothing to help. By the time I tried this hours had passed of me trying to dig deeper and find someway to use the money I put into the card. At this point, I went through social media for personal accounts and looked through websites to find out why I was having this problem. The most consistent answer I got was that XXXX Vanilla is blocked by many, many merchants online and in person due to past money laundering/scamming schemes that were done through the XXXX Vanilla gift cards. Now that I know this, I believe that XXXX Vanilla needs to correct their advertising. Because the truth is, the cards can not just be accepted anywhere the consumer wants. As a matter of fact, the consumer would have a very hard time getting it accepted at any sort of store or establishment. This goes directly against their advertisement of their card being easy to spend. Personally, the one website that did accept the XXXX Vanilla Gift Card was XXXX, and I had to jump through multiple hoops to get it through that one website. It finally managed to work after I entered the cards name A GIFT as my personal first and FOR YOU as my last name. Oddly enough, I also had to change my billing address to a fake one for it to work. Because of this experience and because of so many similar accounts, Im led to believe that XXXX needs to take responsibility and stop advertising their Vanilla Gift Cards as a universal method of payment for anywhere the consumer wants. Enough consumers have already been emotionally/economically hurt by this, and I imagine many more will continue to lose their money to this misleading, or outright untrue, advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please assist me in removing unauthorized accounts that have appeared on my credit report. I did not open these accounts and was never made aware of them. Under USC 1681g, I am requesting their deletion within 15 days. Documentation is attached.

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 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
We are in severe financial trouble, and we owe this company {$7000.00} for a title loan. We called them today to inquire if there was a way to work with us to get a handle on the payments. We were told there was nothing they would, or could do to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: FL

Complaint narrative:
Im tryin to do a transfer and its telling me to add my phone number which has already been added.

Speaking to rep XXXX and senior customer service rep who is unwilling to assist and I told her I would submit this complaint for which she said thats fine Its unacceptable how this representative doesnt even care about customer issues.

My issue its not resolved and this rep didnt care to resolve the issue Business and account is under XXXX XXXX I asked the rep to remove me from speaker and she declined to do that she also decline to contact me due to a bad connection without providing any excuse.

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 2025-08-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I obtained a credit account with Synchrony home bank back in 2024 for a bedroom set. around XXXX. I made monthly on time payments without any issues. out of the blue the company closed my account without me knowing around interest regained all back on my account I asked what was the reason got so response from the company and even went through the XXXX  to get help and got nothing. I also called and ask for supporting documents and still got nothing this company is added interest on an account that was closed and has refused to work with me or even response to my claims. I reviewed my account online and noticed interest and other fees that did not make any sense but again reached out and still the company is refusing to acknowledge things. I am at a complete lose and need help to find a ground meeting to solve this account and them trying to report to the credit bureau negatively on me, no one from corporate has called me and the bed room set that was purchase can not even be repaired or disputed because the company has cut ties with the business out of no where and I am stuck paying for something that can not to sold back or repaired for damages and the against the company has not response to me

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 2025-08-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : Continuation of Fraud / Scam ClaimXXXX New Complaint ( Earlier CFPB Case XXXX ) Narrative : I am filing this complaint as a continuation of my earlier CFPB case number XXXX filed on XXXX XXXX against Bank of America ( BoA ). Despite the earlier case being closed, the underlying issue remains unresolved, and BoA has now internally reopened the matter but continues to mishandle it. 
Background : In XX/XX/year>, my Bank of America credit card was fraudulently charged with two transactions totaling {$5000.00} in XXXX. 
I was physically not present in XXXX ( I was in XXXX, XXXX from May 2031, 2025 with my family ). 
Despite my repeated requests, BoA has never provided documentary evidence ( invoice, receipt, authorization trail ) from the merchant justifying the charges. 
Instead, BoA closed my claim in favor of the merchant without proper proof. 
Recent development : On XX/XX/year>, I received an email from XXXX XXXX XXXX XXXX, Client Advocate, acknowledging my complaint again and leaving me a voicemail requesting I call him back. 
XXXX XXXX is the same officer who previously denied and closed my claim. In the interest of impartiality and fairness, I believe it is inappropriate for him to review the same case again. 
I have already submitted all supporting documents, including emails, XXXX screenshots, travel proof, and bank alerts. There is nothing further I can add ; the burden now rests on BoA to provide proof.

Concerns : 1. BoA refuses to provide documentary evidence supporting the disputed charges.

2. The same officer who previously failed my claim has been reassigned, raising serious concerns of bias.

3. I continue to receive prank/fraudulent calls linked to this matter, adding to stress and insecurity.

4. At 73 years of age, with health issues, both my wife and I are suffering extreme stress because of BoAs mishandling.

I respectfully request CFPB to reopen this matter as a new complaint since BoAs handling has been inadequate and partial, and the dispute remains unresolved. 

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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union Approved for {$25000.00} credit card while I was on XXXX during 2020.

I applied online for payment extension but they only allow you to do it once a year. I called and spoke to a representative as well.

I am formally filing a complaint regarding financial hardship I experienced following my transition from XXXX XXXX XXXX XXXX, which directly impacted my ability to maintain payments on my Navy Federal Credit Card. After serving honorably in the United States XXXX, I separated from XXXX XXXX and re-entered civilian life. Unfortunately, I was unable to secure immediate employment with income comparable to what I earned while in the military. This card was opened while I was still in the military, based on stability and predictability of my military income. At the time, I had not planned to transition out but a declined mental health status lead to that decision. Like many veterans, I underestimated the time it would take to transition and adjust financially. This card was used to help me transition back to civilian life but could not pay the funds back. I am bringing this to the attention of the FTC in hopes my case can highlight a broader issue affecting service members and veterans. I believe that lenders and financial institutions should be more transparent and accommodating when working with transitioning service members, particularly when loans are originated during XXXX XXXX and repayment becomes unsustainable due to changes in income

post-service. I would like to emphasize that my current credit report is not a reflection of my integrity or character. As a veteran, I have always taken my responsibilities seriously, both in the military and civilian life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a protected consumer, I am well aware of my legal rights. I certify that this request to remove all blocks is purposeful and not submitted in error. I request that all supporting documentation I have provided be reviewed carefully.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX XXXXXXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : The method used to verify the accuracy of this collection account. 
The name and contact information of the person or entity that provided the verification. 
Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely,

Company response to consumer: Closed with non-monetary relief