vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MA

Complaint narrative:
I took out a personal loan from XXXX  on XXXX. The loan was for approximately XXXX, XXXX and XXXXI later discovered the annual percentage rate ( APR ) was extremely high at XXXX - XXXX  %. I am a resident of Massachusetts, where lenders must be licensed and the maximum allowable APR on small loans is 23 %. To date, I have repaid approximately some, and the company claims I still owe towards my principal. This is a tribal lender and, as far as I can tell, is not licensed to operate in Massachusetts. I contacted them to request information about their license and to question the legality of the loan in my state, but I did not receive a clear response. I am concerned that this loan may be unenforceable under Massachusetts law and that I may have been subjected to illegal lending practices. I am requesting that the CFPB investigate this lenders actions and help determine whether the loan should be considered void. I am also seeking relief from any further collection activity related to this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Checking/Banking ( debit ) card was set to expire in XXXX of 2025. In late XXXX, I received a " replacement '' card in the mail from Bank of America. The card was the exact same color as my previous Bank card. Whereas my Credit Card that i hold with Bank of America was a maroon color. I believed that It was my replacement with a new expiration date a few years in the future. Admittedly I did not confirm the number on the back of the card. It was the same color as my Checking account card and received in the period I expected a new card. I started using the card and check my balances regularly online. I noticed none of the charges were coming out of my Checking account. As i'm sure you are aware, the charges were going to my credit card, not my checking account. 

I believe this is deceptive marketing for the reason of earning additional interest from consumers that are not paying attention. I quickly made payments from my Checking account to my Credit Card. Where Bank of America charges me {$35.00} for a " Call Agent assisted payment ''. 

I believe that each of these practices are meant to earn more fees & interest at the cost of the consumer. They are fine print charges and changes and they need regulation.

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 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This medical debt of {$610.00} isnt mine doesnt belong to me. This account must be removed and updated. This account was open fraudulently. 

Its only being reported by XXXX  it needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Applied Data Finance, LLC
State: OH

Complaint narrative:
This company has deceptive & predatory loan tactics. It is advertised on credit monitoring sites which i believe is to make it seem more trustworthy & enticing. It is a 99 % intrest loan. Paying it back is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NCS, Inc
State: IA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX and threatened legal action, stating they will deal with me with their legal department. 

She first asked how I plan to take care of the debt, I said I didnt know and I will contact them when I get it. And she said thats okay we will deal with you through our legal department. Then hung up in my face.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-18 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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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
Consumer complaint received 2025-08-18 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: MN

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year>, Synchrony Bank dropped my Amazon Store Card limit from {$4000.00} to {$470.00}, citing my XXXX  credit report. After I made a {$370.00} payment the next day ( XX/XX/XXXX ), they dropped the limit even further to {$75.00}, causing my utilization to show as over 100 %. Once I paid it off again, they restored the limit back to only {$470.00} not the original {$4000.00}. 

Their decision was supposedly based on a XXXX  report, but my score is now XXXX ( XXXX  ) and XXXX ( XXXX  ) and Synchrony still refuses to reevaluate or reinstate my full limit. 

Since then, Ive been approved for the XXXX XXXX XXXX XXXX ( {$4000.00} limit ) and XXXX  XXXX card ( {$1000.00} limit ) both after the Synchrony reduction, based on my current credit score. 

I also already had cards from : XXXX XXXX : {$4000.00} XXXX XXXX : {$3500.00} XXXX XXXX : {$2000.00} XXXX : {$2200.00} XXXX XXXX : {$750.00} These approvals both before and after the Synchrony action prove that I am a creditworthy borrower. Synchronys refusal to re-review my account is unreasonable and damaging, especially since Ive maintained on-time payments and corrected a previous reporting issue from XXXX that temporarily impacted my 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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
My account with usaa was closed on XX/XX/year> with a balance of {$450.00} for suspicious activity but they can not provide proof of this I deposited a check mobiliy it's been over 2 weeks and the check has been cleared so how is that proof of fraud if it was a fraudulent check it would of bounced or reversedv

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 2025-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a customer of Capitol One bank with a few CDs, a credit card, and a XXXX XXXX savings account. 

I wanted to deposit {$10000.00} to my XXXX XXXX  savings account and knew that if I do an online deposit from my XXXX bank account it takes XXXX business days to clear. 

I spoke to the manager of the local Capitol one branch who advised me that If I came to the bank and deposited a cashier 's check, the funds will show up in my Savings account in a day or two. So last week Friday XX/XX/XXXX, I went to the local Capitol one bank, and deposited a {$10000.00} cashiers check from XXXX bank to the local Capitol one branch. 

When I checked with Capitol one bank today Monday the XXXX, they told me that my $ XXXX deposit will not show up till XX/XX/XXXX. I told them the cashier 's check was supposed too clear in a day or two. But they said that was not the case and that I should wait till XXXX. I told them I paid {$10.00} to XXXX bank to get the cashier check and at minimum they should give that to me. They refused. I asked to speak to a senior manager and that too was refused.

I think big banks holding onto depositor 's cash for 5 days is cheating. They are breaking the law. Please investigate for my sake and millions more like me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint against the nationwide consumer reporting agencies Equifax, Experian, and TransUnion for inaccurate, incomplete, and unverifiable information being reported on my credit files in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq.

- Inaccurate Personal Information : My reports contain multiple name variations and addresses that are not accurate or current. This creates confusion and risks mixed-file errors.

- Unverified/Incorrect Accounts : Several accounts are reported with incorrect balances, statuses, or dates. For example, accounts from XXXX XXXX, XXXX XXXX, and others show inconsistent reporting across bureaus. Collection entries such as XXXX, XXXX XXXX, and XXXX remain despite disputes and lack proper validation. 
- Duplicate and Inconsistent Reporting : Some accounts appear duplicated across different furnishers or report conflicting balances/statuses ( open vs. closed, charged-off vs. paid ). 
- Failure to Investigate Disputes : I have previously disputed multiple accounts. The bureaus marked them as 'meets FCRA requirements ' or 'consumer disputes ' without providing proof of validation from the original creditor, in violation of FCRA 1681i ( a ).

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against the nationwide consumer reporting agencies Equifax, Experian, and TransUnion for inaccurate, incomplete, and unverifiable information being reported on my credit files in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq.

- Inaccurate Personal Information : My reports contain multiple name variations and addresses that are not accurate or current. This creates confusion and risks mixed-file errors.

- Unverified/Incorrect Accounts : Several accounts are reported with incorrect balances, statuses, or dates. For example, accounts from XXXX XXXX, XXXX XXXX, and others show inconsistent reporting across bureaus. Collection entries such as XXXX, XXXX XXXX, and XXXX remain despite disputes and lack proper validation. 
- Duplicate and Inconsistent Reporting : Some accounts appear duplicated across different furnishers or report conflicting balances/statuses ( open vs. closed, charged-off vs. paid ). 
- Failure to Investigate Disputes : I have previously disputed multiple accounts. The bureaus marked them as 'meets FCRA requirements ' or 'consumer disputes ' without providing proof of validation from the original creditor, in violation of FCRA 1681i ( a ).

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I am a Capital One credit card customer currently residing outside the United States. I have been trying to pay my balance to avoid delinquency and interest charges. However, Capital One refuses to provide me with any international wire transfer details or alternative payment options. 

On XX/XX/year>, XXXX IST, I spoke with multiple representatives and supervisors who stated that the only available option is XXXX. Unfortunately, XXXX does not allow me to send bill payments from my current country ( XXXX ) without a U.S. bank account or local presence.

I explained that I no longer live in the U.S. and can not open or maintain a U.S. bank account. Despite this, Capital One refuses to provide a viable solution, essentially blocking me from fulfilling my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation