vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Case number : XXXX I am filing a formal Regulation E complaint for two missing withdrawals totaling {$6100.00} from my Credit Karma Money checking account, which is held by XXXX Bank. 

Two withdrawals were removed from my account on : XX/XX/year> XX/XX/year> Both withdrawals appear clearly on my official bank statements as WITHDRAWAL, which means the funds were removed from my account by the bank. However, these transactions do NOT appear under the posted transactions in the Credit Karma app, and the funds were never returned to my balance. 

I contacted both Credit Karma and XXXX Bank multiple times. XXXX Bank opened a Regulation E investigation under Case Number XXXX XXXX XXXX XXXX XXXX and informed me they had to override Credit Karmas system in order to submit the case because Credit Karma failed to send the dispute information. 

XXXX  told me they can not proceed further until Credit Karma forwards my documentation. Credit Karma, however, repeatedly tells me they do not see the transactions even though the withdrawals appear clearly on my official account statements. 

Both companies are sending me back and forth, each claiming the other must act, resulting in no investigation progress. 

This is a violation of Regulation E ( 12 CFR 1005 ).

If a transaction appears on my statement, the bank is required to investigate and provide provisional credit if the investigation takes longer than 10 business days.

I am requesting : 1. A full Regulation E investigation into the XX/XX/XXXX and XX/XX/XXXX withdrawals. 
2. Immediate provisional credit for the missing funds if the investigation is not completed on time.

3. Written confirmation of the final findings.

4. An end to the improper redirecting between Credit Karma and XXXX Bank. 

I have screenshots of the missing funds, statements showing both withdrawals, and the case number from Credit Karma money checking account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please be advised that I have received a computer-generated response requesting additional information. 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, because it & # 39 ; s not stating the information that & # 39 ; s requested or give an area to submit the additional information. 
I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14,1995 ), they may be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
ffirm is reporting a charge-off that contains multiple factual inconsistencies, incomplete XXXX XXXX XXXX fields, and conflicting dates that make the information materially inaccurate under FCRA 623 ( a ) ( 1 ) ( A ). The account shows a charge-off balance that does not match the original loan terms, missing payment history fields required for charge-off reporting, and inconsistent DOFD logic across credit bureaus. When I disputed this information, Affirm verified the account without providing any supporting documentation such as a contract, itemized account history, or proof of the charge-off, which constitutes a failure to conduct a reasonable investigation under FCRA 623 ( b ). XXXX XXXX XXXX requires specific fields and consistent date logic for charge-off accounts, yet Affirm has failed to supply the Special Comment Code, accurate status date alignment, or complete payment grid. This inaccurate reporting has lowered my credit score, caused denials, and distorted my credit profile. I am requesting full deletion of the Affirm tradeline because the furnisher can not verify the accuracy of the reported information and continues to report contradictory and incomplete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
Only XXXX company responded, XXXX XXXX, but they weren't able to validate the Flow Agreement, Account Level Verification or any Binding Contract between the original creditor, any third party debt collector and myself,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I asked Zelle what their policy was for randomly picking people being paid to hold the funds 1-3 days. This was a payee I had paid numerous times before. The money is drawn from the bank and being held by Zelle and collect a lot of interest while the fund. 

On XX/XX/XXXX and XXXX, I sent money through Zelle to pay a plumber for work. These payments went straight through. On XX/XX/XXXX I sent the same plumber a {$1000.00} and {$2000.00} payment which cleared my bank and are now being held by Zelle and I can not get an explanation why the funds were being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The company Paypal and Synchrony Bank worked together to open a credit card without my permission and the bank began to charge me XXXX a month for no reason. I am a senior and did not know anything about this card and they charged me for over a year. 

Paypal refused to open a fraud investigation because they are the one committing the fraud. They kept transferring me to synchrony bank and they gave me the run around.

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 2025-11-20 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: VA

Complaint narrative:
I have disputed this debt to credit bureaus and also sent a cease and desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I purchased a used XXXX XXXX XXXX from XXXX XXXX Nissan on XX/XX/XXXX. The dealership engaged in multiple deceptive and unfair practices during the loan origination process. The advertised and agreed sale price was approximately {$33000.00}, yet the dealership inflated the amount financed to {$40000.00} without proper disclosure or explanation. This constitutes loan packing and deceptive auto financing. 
The dealership added an undisclosed and excessive {$890.00} processing fee. My documents also show two conflicting sales tax amounts ( {$1800.00} and {$1800.00} ), indicating inaccurate tax calculation or misrepresentation of government fees. The taxable amounts on various forms do not match the amounts on the retail installment contract, which is inconsistent with state and federal disclosure requirements. 
The loan was increased by more than {$7000.00} without clear itemization. Multiple required Truth in Lending Act ( TILA ) disclosures appear to be inaccurate, incomplete, or misleading. The dealership did not explain the added charges, the total amount financed, or the difference between the sale price and the loan amount. The disclosures were not presented in a clear and transparent manner as required by law. 
Although the loan is now paid off, the payoff does not erase the fact that the dealership used deceptive and unfair practices to structure the loan. These practices materially affected the loan terms and caused financial harm. I requested a corrected contract, an itemized explanation of all fees, and the correct tax calculation. The dealership failed to provide any of this information. 
I am not disputing my GAP, CareGard warranty, or Tire & Wheel products. My complaint concerns dealer-added junk fees, inflated loan terms, incorrect taxes, misleading disclosures, and potential violations of the FTC Auto Rule, TILA, and UDAP standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, outdated, and unauthorized items reported on my credit files with TransUnion, Equifax, and Experian. My XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly listed as Late Closed despite a {$0.00} balance, violating FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). My XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) accounts are charge-offs reporting inaccurate balances and dates of first delinquency, in violation of FCRA 605 ( a ), 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and FDCPA 807, 808, 809. The collection account XXXX ( XXXXXXXX XXXX XXXX XXXX ) is reported with a balance of {$1000.00} but contains outdated or unverifiable information, and multiple hard inquiries from XXXX and affiliates ( including XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX ) were made without authorization, in violation of FCRA 604 ( a ), 605 ( a ), 611, and 609 ( a ) ( 1 ). I have disputed these items with all three bureaus, but they remain on my credit report, causing significant financial harm, inaccurate credit evaluation, and distress.

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 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Complaint Regarding Improper Card Restriction and Refusal to Refund Annual Fee On XX/XX/XXXX, I attempted to make an online purchase using my Capital One XXXX XXXX credit card. The transaction was incorrectly flagged as fraudulent, and Capital One immediately blocked my card. I contacted Capital One to confirm that I had initiated and authorized the transaction. Despite my confirmation, the bank required additional information, which I provided. 

Even after submitting all requested information, my card remained restricted. As a result, I was left without access to my credit card and unable to use it for any purchases. 

In XX/XX/year>, I paid the {$390.00} annual fee associated with this card. During the approximately two months I have held the card, I have not used any of its benefits or rewards. Given that Capital One prevented me from using the card and offered no resolution to unblock it, I requested a refund of the annual fee and asked to close the account. 

Capital One refused to refund the annual fee, despite the fact that I was unable to use the card due to their own restrictions. This has left me paying for a premium product to which I effectively had no access. 

I am requesting the CFPBs assistance in obtaining a full refund of the annual fee and ensuring that Capital One addresses these improper account restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am a victim of identity theft and mixed-file errors, and Equifax is refusing to follow the Fair Credit Reporting Act ( FCRA ) requirements for identity-theft victims under FCRA 605B, 607 ( b ), and 611 ( a ). I have provided Equifax with my FTC Identity Theft Report, police report, government ID, and proof of address. 

Equifax has acknowledged receiving and validating my documents, because they removed certain fraudulent accounts. However, Equifax refuses to remove the remaining fraudulent accounts and is contradicting its own statements. 



Detailed Evidence of Mishandling by Equifax : 1. Call # XXXX XX/XX/year>, XXXX XXXX  MST to XXXX XXXX  MST I called Equifax to request a 605B identity-theft block and mixed-file suppression due to fraudulent accounts appearing in real time. The agent placed me on hold with complete dead silence for 50 minutes, then the system routed me to a survey. 
This is call abandonment during an identity-theft emergency, and a failure to escalate my fraud case. 

2. Call # XXXX XX/XX/year>, XXXX XXXX  MST I spoke with XXXX, department All Department, who gave me reference number XXXX. 
She admitted she could not open a fraud case, even though she acknowledged my identity-theft dispute. 

3. XXXX Department Call Equifax XXXX XXXX, ID : XXXX This agent provided confirmation number XXXX and told me : Your documents were validated, which is why the two negative accounts were removed. 
AND moments later : Your documents have NOT been validated, so we can not open a fraud case. 

This is a direct contradiction and proof of negligent handling and noncompliance. 

He also said : Once your documents are validated, the other accounts can be removed. 

This is an admission that the remaining accounts are fraudulent and should be removed, but Equifax is improperly delaying removal even though they admitted earlier that my documents WERE validated.

Equifax Has Violated the FCRA : Failure to place a 605B identity-theft block Failure to escalate to Fraud/Special Handling Failure to correct mixed-file errors Failure to apply suppression Call abandonment in a fraud emergency Contradictory handling of identity-theft documents Continued reporting of known fraudulent accounts Failure to use reasonable procedures to assure accuracy ( FCRA 607 ( b ) ) Failure to investigate properly ( FCRA 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/year> We are requesting removal of these accounts listed below being from identity theft. These items must be removed immediately and we will contacting Experian and Equifax to remove fraud alerts and security Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Balance {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
XX/XX/year> We are requesting removal of these accounts listed below being from identity theft. These items must be removed immediately and we will contacting Experian and Equifax to remove fraud alerts and security Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Balance {$730.00}

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a XXXX  XXXX bankruptcy public record on my credit file that does not belong to me. The entry being reported is XXXX BKPT XXXX  CA XXXX XXXXXXXX Date Filed : XX/XX/year> Dismissed XXXX  XXXX Bankruptcy. I have never filed a XXXX  XXXX bankruptcy with any court. I previously disputed this information directly with Experian and submitted documentation proving the bankruptcy is not mine, yet Experian continues to report this false public record. This failure to correct inaccurate information after being notified is a violation of the Fair Credit Reporting Act, including Experians duties under FCRA 607 ( b ) to maintain maximum possible accuracy, and FCRA 611 for failing to conduct a reasonable reinvestigation. Experians continued reporting of false and damaging information is causing harm to my credit standing and financial opportunities.

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 2025-11-20 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I am filing this complaint because NCB Management is attempting to collect and report a debt without providing proper validation. I requested verification of this account, but they did not send any documentation that proves this debt belongs to me or that they have a legal right to collect it. 

NCB continues to report inaccurate information to the credit bureaus without validation, which is a violation of the FDCPA and FCRA. They have failed to provide a signed contract, full accounting, itemized statements, or any proof tying me to this alleged debt. 

I am requesting that NCB fully validate this debt or remove all reporting and collection activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
This medical bill is damage my credit. And I dispute it because I didn't receive anything about the right to dispute and never knew and informed about a medical bill damage my credit .. according to law medical bills shouldn't affect credit. And I agree with that. I disputed multiple times and never had luck. bc it didn't fully state wat the debt was just. Third party company from eamil.adking me to resolve a debt that I didn't even know what it was.

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