vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I sent in a letter and approve ID showing them that that was not me that open up this account. This account is not mine.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BANK OF AMERICAs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BANK OF AMERICA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. BANK OF AMERICA , N.A . 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 2025-10-24 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: NC

Complaint narrative:
I am writing in reference to " XXXX '' credit information on my accounts. 

This letter to inform you I am disputing this debt once again, Please verify this debt in accordance with the FDCPA ( fair debt collections practices act ) When the purchases were made that ended up maxing out my discover it credit card, I had reported such fraudulent purchases. These purchases were never removed or looked into, even with their XXXX liability fraud protection clause. I was not sent any documentation in this matter. Nor, did they hold up to their clause. 

This caused me to lose my credit card, as well as drop my score tremendously. 

I requested the original documentation of our agreement as well as information on why my debt was over XXXX when the limit with this discover it card is XXXX. I notified them when i lost my card and requested statements for these purchases so i could verify the fraudulent purchases at that time. I was not provided with any of this information. 

This account was closed/charged off 1 year ago, derogatory remarks are still being put on my report every month. Please correct the information stated above. 

Disclaimer : I do not claim this debt without proper original verification, from the original debtor, for I did not agree for my debt or information to be sold. In accordance to the 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Let me please demand XXXX thing, only XXXX. Do not tell me to call any phone number please. It makes me extremely troublesome. I already spent XXXX full hour try to call to remove your restrictions on my account. It's extremely distressing time. Just remove restriction on my account. There's no need to put on restriction to begin with. I just changed my email address, that's all. This is XXXX  XXXX XXXX! Let 's not get into any more stressful time please. This is XXXX time I encountered serious trouble with your bank. 
XXXX XXXX  Dear XXXX, Thank you for contacting Bread Savings Customer Care.

We do apologize for the inconvenience and do understand your frustration for the protection of your account and the security concerns we would need you to contact us at XXXX to be connected to our account protection team they are available from XXXX XXXX  and XXXX XXXX  XXXX Monday through Friday. 

Please let me know if you have any additional questions or if I can be of any further assistance. Thank you for choosing Bread Savings. 

Sincerely, Bread Savings Customer Care Faith XXXX XXXX  Faith joined this conversation I have tried before what you told me, spending XXXX full hour of extremely stressful time. I don't want to repeat again. If just changing email is this much difficult, I need to think about this account. I have changed email address on other bank accounts, it had no problem. It went thru easily and smoothly. You seem to have serious problem. I can't call you now. 
XXXX XXXX  XXXX, XX/XX/XXXX Since it's such difficult to change email password, and you keep making demands that's not solving issue, I can't continue business with you. I want to close this account, send me my balance with reasonable interest quickly please. I resent your account restriction, you may say it's for security but I heard these routine before many times befor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Submitted a claim to chase after staying at XXXX and realizing charges that should have fallen off didn't. My mother in law paid for the trip for my daughter 's birthday. The charge was originally charged to our account but at check in we switched to asking them to charge it to another card. After getting home I thought everything was ok but the charge never fell off and I called my mother in law and she looked at her statement and said the charges were on her credit card as well. So I submitted a claim. Weeks later I guess my claim was denied and the temporary credit chase gave me was reversed and the money taken back out. So now I have money taken from my account and my mother in law for the the same trip she meant to pay for. I dont see how chase can deny a claim and say XXXX sent over documents when we are showing the charge from me should have fallen off and didnt and then my mother in laws card. I was not expecting this to happen. Honestly wasn't expecting the temporary credit to be reversed because surely if it should have dropped off then the money is mine why would they take it back.... so having it come out when I honestly expected this to get worked out has made it twice as hard since it came out unexpectedly and the money when it did come out that day was meant to pay bills. I am hoping for more help to get this resolved. 

Account is under : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Amount of transaction -- {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Account Reference : XXXX Dear Portfolio Recovery Associates, I am writing to formally request validation of the alleged debt referenced above. I recently reviewed my credit report and discovered this account being reported by your company. As a XXXX  resident, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX  XXXX Fair Debt Collection Practices Act ( XXXX  Civil Code 1788 et seq. ) to request full verification of this alleged debt. 

Please provide the following documentation so I may properly verify the validity of this claim : XXXX. The name and address of the original creditor. 


XXXX. The amount of the alleged debt, including an itemized breakdown of all fees, interest, and charges added. 


XXXX. A copy of the original signed agreement or contract that bears my signature, establishing my legal responsibility for this debt. 


XXXX. The date the debt was incurred and the date of the last payment made on the account. 


XXXX. Documentation showing that Portfolio Recovery Associates , LLC is legally authorized to collect debts in the State of XXXX. 


Until the requested documentation is provided, please cease all collection efforts and stop reporting or verifying this account with any credit reporting agencies, as doing so without proper validation is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). 

This letter is not an acknowledgment that I owe this debt, nor should it be construed as such. I am requesting validation only. If you are unable to provide sufficient proof of this debt, please remove this account from my credit reports with all major credit bureaus and cease any further collection activity. 

Thank you for your attention to this matter. I expect your response within XXXX  days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.

Complaint narrative:
Subject : Escalation of Unresolved Merchant Dispute Square Inc. {$3200.00} Loss + Fees To : Consumer Financial Protection Bureau Dear CFPB Representative, I am submitting this complaint to formally escalate an unresolved dispute involving Square Inc., which has caused a financial loss to my small family business, XXXX XXXX XXXX. 

Despite months of communication with Square, XXXX XXXX XXXXXXXX XXXX, XXXX, and my financial institution, this issue remains unresolved. The total amount lost is {$3200.00}, plus approximately {$100.00} in transaction fees that Square also retained.

Squares explanation has been inconsistent and unsatisfactory. The dispute stems from a fraudulent chargeback that Square automatically resolved in the cardholders favor, citing EMV processing rules. However, I was never given the chance to properly contest the claim. My payment was fully legitimate and verified at the time of sale. 

I followed XXXX  direction and escalated through my bank, but even they have indicated confusion about the proper channels, suggesting this is an issue Square should have resolved directly. Square later offered me a token gesture of free processing on {$1500.00} in salesa mere fraction of my $ XXXX lossand has since stopped responding to follow-ups. 

This has been an exhausting process for a small, family-owned business. We have documented all correspondence with Square, the XXXX  ( Complaint ID XXXX ), and XXXX, including multiple instances where Square closed the case prematurely or failed to respond to escalated communication.

We are seeking full reimbursement of the {$3200.00} loss, including the related transaction fees, and an investigation into Squares handling of disputes against small merchants.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Owner XXXX XXXX XXXX. 
XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/year>, I completed a settlement payment with Capital One to close my credit card account in full. The account was reported with a {$0.00} balance and listed as closed. However, Capital One continues to report the account as charge-off, 120+ days late, and derogatory, which is inaccurate and misleading. 

The settlement was made in good faith, with the understanding that once paid, the account would be updated or deleted from my credit file. I have contacted Capital One requesting that the account be removed or corrected to reflect Paid in Full / Closed Positive Standing. The company has not provided proof of any remaining delinquency or late payments. 

The continued reporting of a paid and settled account as a charge-off appears to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) and the Colorado Consumer Credit Reporting Act ( C.R.S. 5-18-109 ), which require all furnished credit information to be accurate, verified, and fair. 

I am requesting that Capital One honor the settlement agreement by deleting this account from all credit reports and removing all associated late-payment and charge-off remarks from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXXXXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On or about XX/XX/XXXX, my credit card was charged for purchases made at XXXX that I didn't make. The card is a Citi Mastercard. Citi sent me a letter on XX/XX/XXXX, yesterday, that it was closing the investigation into this episode. The letter stated that XXXX informed Citi that the items purchased were purchased by me and sent to my home. Although one of the items was sent to my home, the label on the package had the name XXXX XXXX on it. I do not know this person. A photo of the package is attached, below. The item in question was a bag of red plastic cups. The other item is a picnic table and umbrella. This item did not get delivered to my home. Both items sum up to {$97.00}. After receiving the letter from Citi informing me that Citi was closing its investigation and charging me {$97.00}, I immediately called XXXX. The XXXX employee with whom I spoke said that XXXX had no record of my having made these purchases and confirmed that these purchases were made fraudulently using my credit card. So why is Citi closing the investigation? Based on my conversation with several employees at XXXX, XXXX does NOT maintain that I made these purchases or that they were both delivered to my home. Although the red plastic cups were. Clearly, Citi is closing an investigation that should remain open and doing so under false pretenses.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

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 2025-10-24 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:
I am formally dispute an inaccuracy in the personal information reported on my TransUnion credit file. Currently, my middle name is incorrectly listed as XXXX. The correct reporting should reflect only my middle initial, XXXX. 

This incorrect middle name is preventing me from updating my credit reports and may interfere with proper verification of my accounts. To the best of my knowledge, this is not related to fraud or identity misrepresentation, but appears to be a clerical or system error.

Under FCRA 609 ( a ), I am entitled to request and obtain a full disclosure of information in my credit file, and under FCRA 611 ( a ) ( 1 ), TransUnion is required to investigate and correct inaccurate information in a reasonable timeframe. I am therefore requesting that my credit file be updated to reflect the correct middle initial B, and that all records under my profile be aligned with this accurate personal information.

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 2025-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I needed to pay a vet bill so they would not leave his dog with his eyeball hanging out. I was told I could open an account to pay it off over time. I was told by the company that once the account was opened, the very could search for the account using my name as this was an emergency. 

I was approved, so I called the vet to have them find the account to get the XXXX and was told the lending company took away their ability to search for account a year prior and I would need to wait until I got the card in the mail in XXXX to XXXX days. This was deceptive, this dog could wait XXXX to 10 days with his eye damaged and hanging out so I paid in cash and closed the account within a few hours of opening. They lied, so in demanded they remove the account from my credit report, however they keep saying that my credit score is not their problem ( not what I was saying ). I am going to get a lawyer if needed and sue, however I am attempting this before I spend the money and effort.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo Bank for repeated unauthorized withdrawals and mishandling of my business checking account. I have been a Wells Fargo customer for over XXXX years with a consistent history that does not include purchasing travel tickets. 
Since XX/XX/year>, my account has been compromised multiple times, with fraudulent online travel ticket charges totaling approximately XXXX Despite my prompt reports after each incident, the banks only response was to issue new ATM/debit cards. No one advised me to close the account, restrict ATM use, or transition to a credit card for greater protection. Each time a replacement card was issued, new fraudulent charges appeared shortly after. 
Wells Fargo has since denied my fraud claims, alleging I authorized the charges. This is inaccurate and inconsistent with my long-standing spending patterns. The bank failed to stop the recurring fraud, strengthen account security, or provide appropriate customer guidanceleaving my small business vulnerable to continued losses. 
Requested resolution : Billing adjustment : reimbursement of XXXX in unauthorized withdrawals. 
Written acknowledgment of the recurring breach and explanation of why the account remained open and unprotected. 
Implementation of a corrective action plan ( enhanced fraud protection, account review, and customer education ). 
I can provide bank statements, dispute numbers, and all related correspondence upon request. I ask the BBB to assist in ensuring Wells Fargo conducts a full investigation and reimburses my business for these losses. 
XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SHELLPOINT MORTGAGE s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SHELLPOINT MORTGAGE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. NR/SMS/CAL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation