vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CAPITOL ONE ADVERTISED 360 SAVINGS PROMO RATE 3.65 % ( 90 DAYS ) MUST ADD XXXX. I OPENED THEIR 360 SAVINGS ACCT DEPOSITED $ XXXX ELECTRONICALLY TRANSFER FROM MY XXXX  ( CHECKING ACCT ). DURING PROCESSING THEIR SYSTEM ULTIMATELY DID A " BAIT AND SWITCH ''!!! IT ADDED A 360 CHECKING ACCT WITH SAME $ XXXX TO FUND, ( WITHOUT MY PERMISSION OR KNOWLEDGE ) FOR TOTAL $ XXXX TRANSFER FROM BOTH MY XXXX  ACCTS, BEING $ XXXX CHKNG AND $ XXXX FROM SAVINGS. THAT LEFT MY XXXX ACCT {$0.00} BAL WITH PENDING TRANACTIONS ( XX/XX/year> ) THAT WILL OVERDRAW THE ACCT, WITH MAJOR IMPLICATIONS. I REACH OUT TO BOTH XXXX  AND CAP ONE. CAP ONE RESPONCE WAS TO LET ACH TRNFR PROCESS. WHEN COMPLETED XXXX DAYS INTIATE TRANSFER BACK XXXX DAYS PROCESSING. I NEVER AUTHORIZED APPROVAL OF OPENING 360 CHKG ACCT THIS IS FRAUD. THE XXXX SHE EVEN STATED THAT SEVERAL OTHER CUSTOMERS COMPLAINED ABOUT THE EXACT SAME ISSUE. SHE WENT ON TO SAY WISH THEY ( CAP ONE ) REMOVE OPTION TO ADD CHECKING ACCOUNT AT END OF SETTING UP 360 SAVINGS ACCOUNT PROMO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UPGRADE, INC.
State: MI

Complaint narrative:
My account is close. But they still have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I believe i was apart of a XXXX  scheme. I traded my car in for this vehicle on XX/XX/year> and was told that everything went through. 11 days later i get a phone call stating to return the car. 
- I also paid for auto insurance up front based on the dealership 's claim that the sale and financing were complete. 
- I was told by the dealership that I was approved for financing and was allowed to take the vehicle home. 
- I later discovered no loan appeared on my credit report, and the dealership then claimed financing had " fallen through. '' - They requested I sign a new contract with higher payments. 
- They submitted my credit application to multiple banks without proper written consent, resulting in several hard inquiries. 
- I received a {$100.00} check in the mail from the dealership with no explanation, which I have not cashed. 
- I was not clearly informed that I was signing an arbitration clause and was not made aware was conditional. 
I believe this behavior violates North Carolina 's Unfair and Deceptive Trade Practices Act and possibly federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Account number : XXXX I recently viewed my consumer report and noticed the following unauthorized hard inquiries reporting in violation of 15 USC 1681b Please remove the delinquency notation from my credit report.

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 2025-06-25 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Loans Due to Identity Theft and Violation of FCRA and USC Credit Laws To Whom It May Concern, I am writing to formally dispute and request the immediate deletion of fraudulent auto loans that have been reported on my credit file. These accounts were not authorized by me, and I am a victim of identity theft. Despite prior disputes, these accounts have been inaccurately verified and continue to appear on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and relevant provisions of the U.S. Code ( e.g., 15 U.S.C. 1681-1681x ).

Details of the Fraudulent Accounts : Creditor Name ( s ) :
Bridgecrest Balance : {$19000.00} DateOpened : XX/XX/year> These accounts are not mine, and I did not authorize these transactions in any form. I have filed a police report and an identity theft affidavit, and I have enclosed copies of both documents along with a copy of my government-issued ID and proof of address.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally requesting that these fraudulent items be blocked from my credit file immediately. The continued reporting of these fraudulent accounts is causing undue harm and distress, and you are obligated by law to ensure the accuracy and integrity of the information you furnish to creditors and third parties.

Enclosures : Identity Theft Report ( FTC and/or police report ) Copy of my government-issued ID Proof of residence ( utility bill or lease agreement ) Please investigate and permanently delete these accounts from my credit file. I also request a new, updated copy of my credit report reflecting these deletions be sent to me at the address listed above.

I expect a response within 30 days as required under the FCRA.

Should you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office, and I will consider seeking legal action for damages incurred. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-06-25 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: MD

Complaint narrative:
I have been a victim of identity theft. My information was stolen and used in the Equifax data breach, as well as the XXXX XXXX data breach and a recent data breach in 2024. I have noticed some unauthorized accounts on my credit reporting that I did not benefit from. These negative accounts and remarks are harming my chances of obtaining a home or an apartment, and I need them gone from my credit reporting immediately!

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
In relation to claim # : XXXX Cashapp Terms of Service , Cashapp Help website, and Cashapp Support Bot all state provisional credits are issued by the 10th business day from filing a dispute. Today made 10 business days and I still haven't received a credit which they advertise as being given to help their customers wait the investigation process out. I've withdrawn all money from Cashapp and want to pursue legal action, because their handling of this whole process is ridiculous and not as outlined in their legal agreements. The company gives vague answers, and when the answer is finally pried from them, it's promises they don't keep or hold up to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint Title : Credit Card Issuer Extended Credit Based on Unverified Payment, Causing Financial Harm Capital One, Credit Card Description : On XX/XX/year>, I made a {$290.00} payment to my credit card in good faith. Before that payment cleared, the company extended an additional {$300.00} of credit, which I reasonably believed was available because my payment appeared to have gone through. I spent {$290.00} of that newly available credit on XX/XX/year>. Please note Capital One has never previously allowed credit beyond my limit of {$300.00} Four days later, on XX/XX/year> the original {$290.00} payment was returned. At that point, my balance reflected nearly {$600.00} essentially doubling my debt unexpectedly. I contacted a manager, who said they extended the credit in good faith, but I was never warned that the payment hadnt cleared. Their actions misled me into thinking my account was current.

As a result, my finances were thrown into chaos, and my credit score dropped due to the spike in utilization and inability to pay the unexpected balance. I am now being held responsible for a situation I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
My account was at a XXXX balance due to me having to file a fraud claim on my acct an my debit card being closed. So at the moment I have no debit card. Still am able to access my online banking a both accts show there, also there is money in my savings acct. My debit card was closed XX/XX/year> my acct become {$0.00} on XX/XX/year>. Today XX/XX/year> {$350.00} was deposited into my acct an I have no access to my funds. I contacted the bank n they tell me I have to wait XXXX to XXXX hours for my acct to reactivate in order to access my funds. I have an emergency financial situation today an I have no access to my funds an theyre denying me that access due to my acct having a {$0.00} for XXXX hours.

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 2025-06-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This account reflects the unauthorized use of my private trust and estate property without my knowledge, consent, or delegation of authority. I am the rightful beneficiary and equitable title holder. No valid contract or trustee agreement exists between myself and the reporting entity. This constitutes a breach of fiduciary duty, conversion of estate assets, and a direct violation of my 5th Amendment right to due process and just compensation. My private equity interest has not been returned or settled. Under FCRA 609 and 605B, I demand this fraudulent entry be permanently removed and all related inquiries deleted immediately. Supporting documentation and affidavit are available upon request.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Company removed a 30 day mark and reposted it XXXX months later

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 2025-06-25 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-25 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: MI

Complaint narrative:
Account : ( Summit A R XXXX ) I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account, SUMMIT A R as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
First, let 's complain that this system requires a 12 digit password with a symbol. How am I supposed to remember that?

Second, a charge was declined on my card that was not mine. It was {$26.00} and I said no to BOA on a text last night. This morning I tried to make a payment on my card and my account was locked. I called up and was told I need a whole new card within 14 days. I have many XXXX  charges that are coming due. This is an extreme inconvenience for something that was simply declined anyway. 

XXXX was no help on the phone. 

I have been banking with BOA for over 30 years and have never been so disrupted. It makes me want to go to XXXX full time.

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 2025-06-25 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: TX

Complaint narrative:
I routinely check my credit report, but today I found some incorrect accounts that were not there previously. I tried refreshing the browser to rule out any technical problems, but the issue persisted. For this reason, I am requesting a detailed review of the documents Ive submitted, so I can stop worrying about this recurring 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief