vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/2025, I enrolled both my Capital One Quicksilver and XXXX cards in hardship programs during the same call. I had been XXXX XXXX XXXX XXXX and contacted Capital One immediately after securing new employment to enroll in a hardship plan. Before my unemployment, I consistently made on-time payments and maintained a positive relationship with Capital One. 

Once the plan was set up, I reasonably assumed both cards were on autopay. I even received emails stating I had upcoming payments for both XXXX and Savor, so I never checked my checking account to confirm the withdrawal I had already budgeted for it and believed it would process as scheduled. I made my first XXXX hardship payment on XX/XX/2025, directly from my Capital One checking account. 

In XX/XX/2025, I noticed my XXXX card was closed. When I called Capital One to inquire, I was told it was closed and charged off because no payment had been made for 180 days. I explained that I was in a hardship plan and had made a payment on XX/XX/XXXX and XX/XX/XXXX. The representative said they would open an investigation. 

On XX/XX/2025, Capital One called regarding that investigation and stated the card was closed because there had been no payment in 180 days. I again explained that I had made payments in XXXX and XXXX, and they responded that no payment was received in XXXX. This prompted me to check my account, and when I asked why the payment hadnt been taken, they said my account was not on autopay. I asked how that could be when my XXXX card set up during the same call is on autopay. The representative said I would have needed to specifically request autopay for each month. I never said that for my XXXX card, yet that card was set correctly. 

If hardship plans require monthly verbal authorization, that should have been disclosed clearly. A reasonable consumer would assume a hardship plan automatically covers the plan period. Furthermore, the explanation that no payment was made for 180 days is inaccurate. I made a payment on XX/XX/XXXX and the account was closed in XXXX far less than 180 days. 

I am requesting that Capital One review its call recordings and system records, acknowledge the inconsistency between the XXXX accounts, and correct my credit reporting to accurately reflect my hardship plan participation and payment history, rather than a charge-off caused by internal error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC closed my consumer checking account without any prior notice or explanation. The account was opened on XX/XX/XXXX and shows XXXX, with a last status change on XX/XX/XXXX and Consumer Removed Date : XX/XX/XXXX. Account numbers ( redacted ) : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. I did not receive an email, letter, or secure-message notice before or after the closure, and no reason has been provided despite my requests. 

The abrupt closure caused harm and confusion, and I want confirmation that no negative information was furnished to ChexSystems or the credit bureaus ; if anything was reported, it must be accurate, complete, and corrected as needed. 

Requested resolution : ( 1 ) Provide the specific reason ( s ) and internal codes for the closure and the date the decision was made ; ( 2 ) provide copies of any notices that should have been sent ; ( 3 ) confirm whether any reports were furnished to XXXX and correct or delete any inaccurate entries ; ( 4 ) refund any fees or losses caused by the closure; and ( 5 ) either reinstate the account or provide a written letter stating the account was closed at the banks discretion and not for fraud. Ive attached supporting documentation from the banks report showing the closure dates/status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to demand the immediate removal of a fraud alert/security flag that is currently attached to my credit file and which is preventing me from obtaining credit. This fraud alert is causing clear, demonstrable harm : lenders are denying my applications and I am unable to access legitimate credit and financial services. 

I did not authorize any party to maintain this alert on my file, or the alert placed is no longer necessary and must be removed. Under the Fair Credit Reporting Act and reasonable consumer-protection practices, you must remove or correct inaccurate, outdated, or unwarranted information linked to my credit report. 

Please remove the fraud alert from my credit file immediately and confirm in writing ( by mail and by email to the address above ) that the alert has been removed. I request written confirmation within XXXX business days of your receipt of this letter. Also please notify any and all creditors and third parties who were provided the fraud alert that it has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and it raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions 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 USC XXXX. 

XXXX XXXX - XXXX - List of Unauthorized Inquiries : XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. 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 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 2025-10-08 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: IA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The following hard inquiries were made on my credit report without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize these inquiries. They are associated with fraudulent accounts opened in my name due to identity theft. I request that these inquiries be removed from my credit report. I have attached my Identity Theft Affidavit, dispute letters, proof of identity, and credit report pages highlighting the unauthorized inquiries.

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 2025-10-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform, despite using chime numerous times and reporting discrepancies my financial institution chime failed to investigate my claim adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible that CFPBs finding indicate that chime has not only neglected to protect consumers, but has only allowed repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety XX/XX/XXXX, XXXX XXXX  XXXX {$430.00} XX/XX/XXXX XXXX XXXX  {$410.00} XXXX XX/XX/XXXX XXXX XXXX  {$340.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my wallet and phone were stolen. I had a few unauthorized transactions and I launched a dispute on XX/XX/XXXX. On the XXXX I spoke to Moneylion and they wanted document to prove my claim. I sent what they ask for and informed them that there were still transactions being made and I wanted those vendors to be block. 

Even though it had been 10 days I did not of investigation, I didn't receive a provisional credit and those vendors continued taking my money. From XX/XX/XXXX until now I have spoke with Moneylion 7 times and each time I asked for those vendors who were taking money out to be blocked, and I asked for a letter of denial, this still hasn't happened. Up til now it's been to y by XXXX transactions between XXXX vendor beyond the initial items of dispute, continues. 

This has prolonged this matter and that has begin affected mental financially and and has got me behind on bills

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA has frozen all forms of accessdebit, ACH, and wire, without cause or notice, leaving me unable to access essential funds for food and housing despite verified identity.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they are not reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit. Please see the attached letter for specific details. 

List account names and numbers XXXX. XXXX XXXX  - XXXX Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 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 2025-10-08 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:
Account is not mine, was reported to my account by mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established XXXX XXXX XXXX XXXX established XXXX XXXX They all have the wrong address.

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 2025-10-08 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: FL

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$0.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have followed the proper dispute process in good faith, expecting XXXX  and XXXX  to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a lawful, thorough, and timely investigation. Instead, I have been met with continued inaction, inadequate responses, and a complete disregard for my rights as a consumer. This ongoing negligence has resulted in further harm to my credit standing, despite my clear and repeated attempts to resolve the matter. 

Under the FCRA, XXXX  and XXXX  are legally required to ensure that all information contained in a consumers credit report is accurate, complete, and verifiable. If XXXX  can not provide direct, verifiable, and documented evidence substantiating the disputed information, it must be deleted immediately from my report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). The burden of proof does not rest with me ; I have met all my obligations by identifying the disputed items and providing notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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