vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one sent me an email saying my account was closed on XX/XX/XXXX. I called them immediately to understand why but they couldnt answer. They told me a cashiers check was mailed to my address on XX/XX/XXXX. I agreed to wait for the check for 10 business days. I did not receive anything, so I called them again on XX/XX/XXXX @ XXXX XXXX. They told me to wait until Wednesday because they would reissue the check and overnight it to me. I did not receive anything again, and then on XX/XX/XXXX I received an email stating that I needed to file an Affidavit for lost check. I filled the form, had it notarized and sent it back on XX/XX/XXXX. Since then I have not received any news on what is going on. I called them again a few times after to let them know I sent the affidavit via the secure link in the email but have not heard back. Another agent told me that they are processing the form and then would send me a letter in the mail with a copy of the form, the a picture of the lost check as well as a stop check order. Its been over 8 days since and I have not received anything whatsoever. I called them again today at which point they told me I have to wait 90 days before they can reissue another check. That is my life savings that I had saved for my son and now the money is just missing. I have no idea when or if I will ever get it back after they closed the account for no apparent reason. Now 30 days later Im out of XXXX  and have nothing left

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Affiliated Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorise this company to run my credit for no reason at all and would appreciate if this was moved off my credit report.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted the three credit bureaus. Ive informed them that this account has been included in a bankruptcy, which the company ( initially ) is getting paid. Also, I have informed them that my information was illegally obtained without legal written consent from myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverifiable information being reported on my credit file. The following false data is in violation of the Fair Credit Reporting Act ( FCRA ) and is severely damaging my credit standing and financial stability. 

Issues Identified 1. Wrong Addresses Reported XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Wrong Address These addresses do not belong to me and are falsely linked to my credit file, which violates FCRA requirements to maintain maximum possible accuracy. 

2. Unverified Collection Account XXXX XXXX XXXX XXXX  Balance : {$780.00} Collection Date Opened : XX/XX/year> This account is inaccurate and unverifiable. I have not received proper validation or documentation proving the legitimacy of this debt. Reporting unverifiable collection accounts is a violation of FCRA and FDCPA standards. 

Violations The credit reporting agencies and the furnisher are in violation of : FCRA 602 ( A ) : Failure to ensure accuracy and fairness in reporting.

FCRA 607 ( B ) : Failure to maintain maximum possible accuracy.

FCRA 609 & 611 : Failure to provide or investigate verified information.

FCRA 604 : Unauthorized association of false addresses with my consumer file.

Requested Action I respectfully demand that the CFPB investigate and take immediate corrective action : Remove the inaccurate and unrelated addresses. 

Delete the unverifiable collection account reported by XXXX XXXX XXXX XXXX 

Ensure all credit reporting agencies and furnishers comply fully with FCRA requirements to maintain accuracy.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
In XX/XX/XXXX, I revoked ACH authorization with XXXX XXXX XXXX ( letters sent XX/XX/XXXX ). Despite this, the lender continued to debit my account. I filed multiple Regulation E claims with Bank of America regarding these unauthorized debits. 

Bank of America has handled my claims inconsistently and in violation of Regulation E. Some claims were approved with permanent credits ( for example, Claim ID XXXX for {$65.00} on XX/XX/XXXX and Claim ID XXXX for {$65.00} on XX/XX/XXXX ). Others were denied without proper review, and some provisional credits were later reversed even after I submitted documentation. 

Claim ID XXXX for {$65.00} was originally denied, then reopened after I faxed supporting documents, but Bank of America still reversed the credit on XX/XX/XXXX. On the same day, Claim ID XXXX for {$150.00} was also denied and reversed. Claim ID XXXX for {$150.00} was marked for reversal effective XX/XX/XXXX. These reversals occurred despite clear evidence from XXXX XXXX XXXX itself, which confirmed in writing that my loans were closed and that I should receive my money back from my bank. 

Bank of Americas mishandling has caused financial harm, including my account being driven negative on XX/XX/XXXX, and additional hardship in managing my expenses. I also attempted to contact the Bank of America representative assigned to my case, but my call was never returned. 

I am requesting CFPB enforcement to require Bank of America to properly investigate all related claims, restore the reversed credits, and provide written confirmation of compliance with Regulation E.

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 2025-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Larry H. Miller Group of Companies
State: IN

Complaint narrative:
I have put together a good-faith packet in my efforts to resolve my auto loan account with Prestige Financial. Despite multiple written notices, including certified mail delivery with proof of receipt, Prestige Financial has failed to provide any written response. I am requesting regulatory review and enforcement.

Settlement & Voluntary Surrender Proposal sent XX/XX/year>. 
- Sent via email. 

Final Notice sent XX/XX/year>. 
- Sent via email. 

Notice of Default & Intent to Escalate sent XX/XX/year>. 
- Sent via email. 

Final Notice of Non-Response sent XX/XX/year>. 
- Sent Certified Mail & via email.

Prestige Financial acknowledged receiving my emails but stated they could not open attachments and reference the cease and desist on my account. If they could not open the attachments, then they would not know that information. Despite the acknowledgment, they failed to provide any written response to my certified mail notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing inaccurate and contradictory reporting of the same account on my credit reports with TransUnion and Equifax. 

TransUnion reports the account closed on XX/XX/XXXX, while Equifax reports it closed on XX/XX/XXXX. 

TransUnion shows the last activity and report date as XX/XX/XXXX, but Equifax shows XX/XX/XXXX. 

TransUnion reports the payment status as 60 days past due, while Equifax reports Not more than XXXX payments past due. 

Both bureaus list the balance owed as {$0.00} and that the account is closed. A closed account with a {$0.00} balance can not legally report as delinquent. 

TransUnion lists the creditor type as XXXX other than personal, while Equifax lists it as XXXX XXXX. 


This information is false, misleading, and directly harms my credit. It also violates the Fair Credit Reporting Act ( FCRA 605B and 611 ) which requires credit bureaus to block unverifiable information and reinvestigate disputes.

I am requesting that this account be deleted or corrected immediately, and that all inaccurate delinquency references 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 non-monetary relief
Consumer complaint received 2025-10-02 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: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/2023, Discover informed me that I needed to make a minimum payment of {$150.00} by XX/XX/2023 to avoid my account being charged off. On XX/XX/2023, I enrolled in Discovers reduced payment program and made a payment of {$94.00}. Under the same plan, Discover automatically scheduled my next payment of {$85.00} for XX/XX/2023. Together, these payments totaled {$170.00}, which was more than the required {$150.00} minimum. I followed the plan exactly as Discover set it up. The account was still charged off, but only because the second payment was scheduled for XXXX XXXX day after Discovers stated XX/XX/XXXX deadline. This was a conflict caused entirely by Discovers system, not by my actions. I made these payments in good faith, even overdrawing my bank account on XX/XX/XXXX to ensure the first payment cleared. Later, in XXXX and XX/XX/2023, I did experience returned payments due to insufficient funds. However, the charge-off itself occurred on XX/XX/2023, which was directly tied to the XXXX timing conflict. If Discover had scheduled both payments before XX/XX/XXXX, the charge-off would not have happened. I previously disputed this reporting with XXXX, and XXXX  deleted the charge-off from my credit report during that investigation. However, it was later reinserted when Discover continued to furnish the charge-off status. This shows that even a credit bureau recognized that the reporting was not fully accurate or verifiable. I have also contacted Discovers Executive Office multiple times, but they continue to report the account as charged off without addressing the payment plan timing issue. I am requesting that Discover correct this error, remove the charge-off status, and update my credit reports to reflect that I complied with the payment plan as provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management Upon reviewing my credit report, I discovered that I have been the victim of identity theft and that my personal information was compromised. As a result, a XXXX account was fraudulently opened without my authorization or consent and was later sold to Credence Resource Management XXXX This collection account is currently being reported as a derogatory collection with a balance of {$410.00}, and it was opened on XX/XX/2025. I did not apply for, open, or authorize any service with this account in any way. 

I am requesting that this account be fully investigated, verified as fraudulent, and permanently removed from my credit file, along with all negative information, inquiries, or notations associated with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am writing to respectfully request a review of the late payment ( s ) reported on my account. These occurred while I was incarcerated a situation that caused a temporary but significant hardship. I have since resumed regular payments and am doing everything I can to maintain a positive financial record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: WA

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 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 2025-10-02 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: VA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
- An unauthorized charge for {$66.00} on XX/XX/2025 appeared on my Wells Fargo card from XXXX. XXXX claimed I owed them this amount for a product I sold which was returned. However, the return was never received by me and XXXX was made aware of this on several occasions. 

- I therefore disputed the case with Wells Fargo. They temporarily credited my account for {$66.00} while they " investigated '' the issue. 

- On XX/XX/2025, Wells Fargo reported back that they were closing the dispute in XXXX 's favor. They provided no explanation other than attaching XXXX 's own justification for the charge, which was a circular argument that they were authorized to charge my credit card for amounts which I owe them. No justification was given that I did, in fact, owe them anything. 

- I pointed this out to Wells Fargo and insisted that they reopen the case. Not only did they not reopen the case, or even respond to my e-mails, but they * deleted all records of the circular explanation XXXX previously provided * which was the justification for Wells Fargo denying my dispute. Without any response from Wells Fargo, I can only assume they deleted this information because it made them look so bad and irresponsible with a customer 's finances. 

- Respectfully requesting your assistance in getting Wells Fargo to return the {$66.00} to my account.

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sunnova Energy Corporation
State: HI

Complaint narrative:
Summary : I am disputing a delinquency and threatened equipment removal tied to a defective rooftop solar system financed/serviced by Sunnova Energy Corporation XXXX Contract representations state Sunnova and XXXX XXXX XXXX would install a XXXXXXXX XXXX  XXXX system with XXXXXXXX XXXX storage. Independent testing shows XXXX of XXXX panels are faulty and the system has underperformed for years. Sunnovas agent now says Sunnova is only the finance company, refuses to fix the system, and demands payment. 

Key facts : System ID : [ XXXX ] Disconnect notice dated XX/XX/year> demanding {$1000.00}, threatening disconnect on XX/XX/year> and removal at my expense. 
Contract language states Sunnova and XXXX will install the system ; XXXX later went out of business. 
Sunnova previously inspected and claimed system OK, which conflicts with my independent electricians report ( attached ) confirming 45 failed/underperforming panels.

I withheld payment due to nonperformance ( failure of consideration ).

Sunnova is attempting to collect and potentially report negative credit despite an active dispute.

Laws/concerns : Misrepresentation and unfair practices in solar financing ; failure to honor warranty/merchantability for the financed product ; inaccurate/undisclosed servicing practices; threatened negative credit reporting of a disputed amount ( FCRA ).

Relief requested : Immediate pause on collection, disconnection, and removal while the dispute is investigated ; A no-cost repair or replacement of defective components, or rescission ( equipment removal with roof restoration and XXXX balance ) if Sunnova can not restore performance to contract specs ; Written confirmation that any credit reporting will reflect the debt as disputed ; removal of any derogatory reporting stemming from this dispute.

Attachments : Contract pages with Sunnova and XXXX will install, independent inspection report with panel-level faults, photos/inverter data, Sunnova emails/call notes, and the XX/XX/year> disconnect notice. 

Company : Sunnova Energy Corporation ( XXXX, TX ).

Company response to consumer: Untimely response
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I reviewed my credit reports in XX/XX/year> and discovered multiple accounts being reported that do not belong to me. The disputed accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX These accounts are being reported with balances, payment histories, and derogatory remarks that are inaccurate. 

I have never applied for or opened any of these accounts, and they appear to be fraudulent or reported in error. I filed disputes directly with the credit bureaus, but the inaccurate reporting has continued. These false accounts are negatively affecting my creditworthiness and preventing me from obtaining fair access to credit. 

Under the Fair Credit Reporting Act, I have the right to accurate reporting. I am requesting that the furnishers provide original signed applications or contracts to prove account ownership. If they can not, these accounts must be permanently removed from my credit reports.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was told that I would I had opened a XXXX, XXXX credit card, and I had never done that.It was on an authorized without my authorization whatsoever.I 've tried to remove it from my credit report.Multiple times where they keep saying that the information is accurate and that i'm like

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