vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed my credit card account today, XX/XX/XXXX, even though I made multiple payments including a {$200.00} payment on XX/XX/XXXX and attempted others ( {$110.00} and {$76.00} ) in XXXX. 

These more recent payments were returned due to timing and posting issues, but I had the funds available, and I was actively trying to resolve the problem. When I called, they told me they give faithful time before posting, but this resulted in charges hitting when my account was low triggering bounced payments and fees. 

They never provided a clear statement or transaction breakdown. My account is now restricted with a {$350.00} balance, despite all my good-faith efforts to pay. 

This is not the first time this has happened with Capital One. In the past, I paid off a different card twice, still ended up being charged over {$5000.00}, and paid more than {$7000.00} total before they closed that account too. 

I believe this is a pattern of delayed charge posting, predatory fee application, and unfair account closures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX United States XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Notice Regarding Account # XXXX To Whom It May Concern, I am writing to inform you that I am formally requesting that XXXX XXXX XXXX XXXX XXXX cease and desist all communication with me regarding the above-referenced account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me. I am exercising that right with this letter. From this point forward, you are no longer authorized to contact me in any formby phone, mail, email, or otherwiseregarding this account.

Please be advised that continued contact after receipt of this letter may be considered harassment and a violation of federal law. If you believe this debt is valid and you intend to pursue collection efforts, I request that you only communicate through my attorney ( if applicable ) or by legal action, should you choose to take it. 

I expect written confirmation that you have received and honored this cease and desist request. Please also provide any documentation you may have that substantiates the validity of this debt, should you intend to pursue it through legal means. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I closed my checking account with Bank of America some time ago, but it is still showing on my credit report as active or open. This is incorrect, as I properly closed the account and have no outstanding balance. 

I was not notified of any issue, and I believe this inaccurate reporting is negatively impacting my credit. I would like the credit bureaus to update my report to reflect the correct account status.

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 2025-07-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing too adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am disputing three collection accounts reported by Midland Credit Management with the following balances and open dates : {$820.00} opened XX/XX/year> {$1000.00} opened XX/XX/year> {$1400.00} opened XX/XX/year> These accounts were reported without my knowledge, consent, or any prior notice. I have never received any validation or documentation from the original creditor ( XXXX XXXX  ) or the third-party collector ( Midland Credit Management XXXX and have no contractual agreement with either party. 

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the alleged debts, including : A signed contract or agreement bearing my signature A full itemized accounting of the debt Proof of legal assignment or ownership The Forward Flow Agreement showing what documents were transferred Proof of the collectors license to collect in my state None of this has been provided. Continued reporting without full validation violates FCRA 1681e ( b ), 1681s-2 ( b ), and FDCPA 809 ( b ). I have also issued a cease and desist under FDCPA 805 ( c ), and further contact is not permitted without proper validation.

These debts are disputed and unverifiable. Reporting inaccurate or unverifiable information is a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I have disputed this account several times. However, Experian conducted sham investigations and never removed this account. I am filing this FTC Identity Theft Affidavit to report 18 fraudulent credit card accounts appearing on my consumer XXXX Experian credit report, which I do not recognize and which are the result of identity theft and fraud. The unauthorized account is XXXX XXXX, opened XX/XX/year>, account ending in XXXX, amount {$1500.00}. The account has resulted in unauthorized hard inquiry and fraudulent collection entries on my credit report. I hereby demand that all the above fraudulent accounts and associated activity be permanently deleted from my Experian credit file and that any related collection efforts immediately cease in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-31 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: CO

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX  my wife went down and paid the XXXX membership fee. At the same time we were overcharged another XXXX that went on to our Citibank card and has accrued interest in charges since then. As soon as we found out we contacted XXXX and we contacted Citibank XXXX reverse the charges but Citibank is refusing to remove their charges I need help because my wife and I agree that we do not want to pay for something like that that was not our fault I've talked with Citibank three times and finally today I spoke with one of the managers and he outright refused to reverse the charges can you please help us the amount is {$240.00} now that's a lot of money to us

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 monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I submitted a Qualified Written Request ( QWR ) to XXXX XXXX  on XX/XX/year> regarding both my first and second mortgage loans. XXXX XXXX failed to respond to my QWR within the time required by RESPA. While the request was pending, they transferred my second mortgage to another servicer and hired an attorney to pursue foreclosure on my first mortgage. A foreclosure sale date has now been scheduled. I have not received a response to my QWR or the proper documentation of the transfer. I am requesting regulatory intervention to stop the foreclosure sale until XXXX complies with RESPA and my rights are fully observed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

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. 

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 Incorrect Personal, has violated my rights. 

I looked at my credit bureau Transunion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One : Undisclosed, Unauthorized Interest After Full Payoff Deceptive, Unlawful, and Systematic On XX/XX/year>, I paid my Capital One credit card to XXXX. The full balance was satisfied. There was no warning on my statement, the website, or at the time of payment that any further interest would be charged. There was no disclosure, no notification, and no consent to additional charges after payoff. 

Despite this, Capital One posted new interest charges weeks later. This was not authorized and not disclosed. This is not a mistake ; it is a deceptive business practice that preys on consumers who act in good faith to pay off their debts. 

This is not an isolated incident. Capital Ones model is to generate surprise charges after customers believe their balance is XXXX, then hope they go unnoticed or unpaid, creating more fees and potential negative credit consequences. This is a calculated tactic to extract more money after the debt is cleared. 

I demand that every penny of post-payoff interest be removed immediately and my account permanently closed at a XXXX balance. I am providing screenshots as evidence. The Bureau should investigate this practice and hold Capital One fully accountable. 

Consumers should be on notice : Capital One will charge you interest even after you pay off your card. They do not disclose it, they do not warn you, and they will not hesitate to add surprise fees. 

The question is not Whats in your wallet? 
its What are they taking out of it behind your back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting inaccurate and inconsistent information compared to the other bureaus. Under 15 U.S.C. 1681i and 1681e ( b ), they are required to ensure maximum accuracy and reinvestigate disputed accounts. Theyve failed to do so, and Im requesting immediate deletion of the 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 explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX XXXX XXXXXXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be XXXX immediately : XXXX XXXX XXXX / Account Number : XXXX FST PREMIER / Account Number : XXXX Additionally, XXXX XXXX  XXXX, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit XXXX, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than XXXX  days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account immediately.

Company response to consumer: Closed with non-monetary relief