vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
This month, I discovered a highly disturbing problem ; someone has been using my identity to create fraudulent accounts without my awareness or consent. I want to state unequivocally that I NEVER approved these items, and this situation clearly constitutes identity theft. This issue has caused me significant stress, and I am urgently requesting prompt action to address it. 
These are the items : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED of XX/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
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
b'In XXXX XXXX XXXX, I contacted a well-known XXXX XXXX after she announced on XXXX  that her booking was open. I emailed the address listed in the XXXX  post (XXXX). Shortly afterward, I received an email response appearing to be from the artist. I did not initially notice that the actual senders address was XXXX  which is an unauthorized address belonging to a former assistant who no longer works with the artist.\n\nBelieving this was legitimate, I was instructed to pay deposits and a sketch fee through XXXX XXXXThe payments were sent to two phone numbers provided by the scammerXXXX XXXX XXXX XXXX  payment oXXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX payment of XXXX on XXXX  XXXX XXXX XXXX  Additional $XXXX  on XXXX XXXX XXXX after the scammer claimed I needed a second sketch fee for a second tattoo day\n\nTotal loss: $XXXX\n\nThe scammer continued emailing, sending detailed fake updates about the progress of my tattoo sketch and pressuring me to book more sessions. Their messages were convincing and used industry-specific language, making the fraud difficult to detect.\n\nOn XXXX XXXX XXXX the legitimate assistant for the real artist contacted me and informed me the email address I had been communicating with was fraudulent. This was the first moment I realized I had been scammed.\n\nI immediately contacted my bank (Wells Fargo) and XXXX  XXXX  to dispute the transactions.XXXX XXXX XXXX stated they could not reverse the transfers.\n Wells Fargo denied all claims and then informed me they would not reopen the dispute or take further action.\nThey provided no additional recovery options beyond the denial.\n\nThe scammer has continued emailing me, pretending to be the artist and claiming to be working on artwork for me.\n\nI am filing this report because the payments were made under false pretenses, the communication was entirely fraudulent, and the scammer used stolen access to a former assistants email identity to target clients.'

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 2025-12-08 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:
In XX/XX/year>, I was charged a {$59.00} annual fee for my credit card. I called the company asked them to waive the fee. They said they could not waive the fee.I had a small balance on the card and a {$75.00} rewards refund. I asked that that credit the card with the {$75.00} reward and close the account. They said they would. The next month and all subsequent months I keep getting a bill with the {$59.00} annual fee which I refused to pay right away and late fees plus interest. I keep calling each month to dispute and ask to close account. They finally closed the account but will not waive the balance which is the {$59.00} annual fee plus I tetra and fees. I reported this twice to XXXX  and capital one doesnt respond so XXXX  closes case. Please assist with closing this account and waiving the balance which is now up to {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BKPT CT IL XXXX That they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Central Research Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received a notice that my student loan provider was changing from XXXX to CRI. I was sent an email and instructed to set up an account and that my settings and my payment information would all be transferred over. I did so on XX/XX/year>. 

They did not transfer over my auto pay set up from XXXX and my account became past due. 

As soon as I became aware of the issues, I paid the outstanding balance. The date I received the notice of the credit hit was XXXX from XXXX. Today 's date is XXXX when I paid it. 

My main issue is that they reported the past due amounts as 6 individual loan late payments which caused a massive XXXX point score drop on my FICO report. Even though it was only for an amount of {$370.00} and I have never been late before. This is devastating as I have been looking into a home purchase. I need this at least changed to 1 individual late payment inquiry on my credit report so my score can be salvaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/year> money was transferred from my savings into my checking not by me for {$4000.00}. withdrawn. Chime did find it to be fraud that my account had been hacked. They were to put a notification on my account so I could figure this out. Then on XX/XX/year> my account was hacked again and this time totaling $ XXXX.by the same people. Chime denied the claim. I did not make these transactions. I sent chime my signed timesheets showing I was at work in NH not at these places. I am going through identity theft as we speak. I can get any information they need but when I try to contact Chime I cant understand anything they say and they wont give me someone to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought mattress using the card they issued me ( Mattress Firm, Synchrony Home ). Initial payment should have been XXXX XXXX. We set up an auto-debit with my XXXX XXXX XXXX  XXXX Unfortunately, it did not go, for whatever reason so the first payment was effected only XXXX XXXX. I was charged {$41.00} for the late payment. Succeeding auto debits have been successfully done with no fail up to XXXX XXXX, the last payment due. It was then I was charged {$590.00} which I was told was because PAYMENT WAS NOT DONE IN 12 MONTHS. I was surprised cause I didnt know about it and they told me its in the sales agreement signed when I opened the account. I told them I did not notice it in the fine print and that I was able to pay the 12 monthly installments in time and was fined {$41.00} for the late first payment. 
I called up several times to plead for the reduction of the charge as they charge was for the whole amount of {$2400.00}, when at least it should only be feor the balance as of XXXX. They did not even advise me of the situation. Now, they have been sending text, even calling me. Please help.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
Ive been contacting Avant Credit Card since XX/XX/XXXX and they keep saying they havent the payment Ive called everyday and the check has cleared on XX/XX/XXXX I called today and the payment hasnt been applied to my credit card and they are still LYING like they havent received it. I sent them a fax copy and email a copy and the response was their email is down! I want my payment applied to my account! Where is my money and they owe me a refund Im closing out this account as soon as the payment post!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I have been issued multiple consecutive loans by OneMain Financial between XXXX and XXXX, all tied to the same underlying account. Each time, OneMain refinanced the prior balance into a new loan instead of allowing me to pay off the existing loan. I was only XXXX XXXX XXXX at the time. 

I believe this meets the definition of loan flipping, which the CFPB has previously warned against as a predatory lending practice. Every new loan included extremely high interest rates, additional fees, and new finance charges, even though the principal balance was simply carried forward. 

The current loan from XX/XX/XXXX financed approximately {$14000.00} with a finance charge of over {$9600.00}, totaling more than {$24000.00} in payments at over 22 % APR. Prior loans appear to have been pushed into new agreements instead of being closed, with the same vehicle repeatedly used as collateral. 

I do not believe the refinancing activity was clearly disclosed or in my best interest. I was never told that repeatedly refinancing would extend the loan term and increase total cost dramatically. I also was not offered alternative repayment options and was encouraged to just refinance each time. 

I am requesting a CFPB investigation into loan-flipping, excessive interest, misleading disclosures, and whether the repeated refinancing without meaningful benefit to the consumer constitutes unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I request full account review to determine whether these loans were originated or refinanced in compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank Handling of Billing Dispute Merchant : XXXX XXXX XXXX, XXXX, FL Amount disputed : {$6900.00} Citibank Account Type : Credit card Charge date : XX/XX/2025 Installation date : XX/XX/2025 Dispute filed : XX/XX/2025 Complaint Narrative I am requesting the Consumer Financial Protection Bureau to review Citibanks improper and untimely handling of my billing dispute under the Fair Credit Billing Act ( XXXX ) and Regulation Z. 
On XX/XX/2025, I was charged {$6900.00} by XXXX XXXX XXXX ( XXXX, FL ) for replacement windows. The windows were installed on XX/XX/2025. Shortly after installation, I discovered that the windows delivered and installed did not match the products specified in my written contract, constituting a clear breach of contract by the merchant. 
On XX/XX/2025, I opened a dispute with Citibank. On XX/XX/2025, Citibank informed me that the merchant claimed to have installed the product per the contract, but Citibank provided no written documentation from the merchant supporting this claim, nor did they provide any substantive review of my evidence. 
On XX/XX/2025, Citibank reopened the dispute and requested additional documentationwhich I promptly provided on XX/XX/2025, and again on XX/XX/2025 in response to their emails. Despite receiving everything requested, Citibank failed to address the contradictory information I supplied, including written evidence showing that the merchants delivered product was not the product contracted for. 
On XX/XX/2025, Citibank suddenly informed me that they could no longer assist because too much time had passed since the charge was made. This reason contradicts the fact that I filed my dispute timely and that Citibank continued corresponding, reopening the case, and requesting more information well within the regulatory dispute window. Citibanks own delays and lack of proper investigation should not be used as a basis to deny my rights under XXXX. 
On XX/XX/2025, I sent a written request to Citibank for a formal reinvestigation under the Fair Credit Billing Act, citing regulatory requirements. As of today, Citibank has not acknowledged or responded to this request. 
I believe Citibank has : - Failed to conduct a reasonable investigation as required by FCBA/Regulation Z - Failed to provide documentation supporting the merchants claim - Failed to issue timely and compliant written determinations - Improperly denied the dispute by citing time limitations caused by their own delays - Ignored my written request for a reinvestigation

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