vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello please see documents for my dispute. NOTICE THAT THE CONSUMER HAS THE RIGHT TO REQUEST UNDER SUBSECTION ( D ) THAT THE CONSUMER REPORTING AGENCY FURNISH NOTIFICATIONS UNDER THAT SUBSECTION. PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE

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 2025-06-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In XX/XX/XXXX, I purchased a gazebo through a third-party seller on Amazon using XXXX Amazon Store XXXX XXXX XXXX Synchrony Bank XXXX The product was advertised as XXXX x XXXX feet, but after delivery and professional assembly, I discovered the actual usable structure measured only XXXX x XXXX feet. The product listing failed to clearly disclose that the advertised size referred only to the overhang, not the usable base. This misrepresentation made the product unusable for its intended purpose. 
I attempted to resolve the issue directly with the seller by requesting a partial refund and offering a fair 50 % resolution. The seller refused, offered only {$15.00}, and would not allow a return or replacement. Amazon 's customer service did not provide further assistance. I was forced to purchase a replacement gazebo from another retailer.

I filed a chargeback with Synchrony Bank and submitted full documentation, including proof of misrepresentation, the seller 's refusal to cooperate, and the cost of the replacement. Synchrony denied my dispute, citing only that the product had been received, ignoring the actual issue of misrepresentation and lack of remedy.

Weeks later, Synchrony sent me a letter stating that if I was not satisfied with the outcome, I could request further review. I followed that instruction and resubmitted my position on XX/XX/XXXX. However, Synchrony issued an identical denial, again failing to address any of the facts presented. 
I have been a loyal Amazon XXXX customer since XXXX with a long history of good standing. I paid in full for the item and acted in good faith throughout the transaction. I believe Synchrony failed to conduct a proper investigation as required under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and I am now requesting that they be compelled to perform a full and fair review of my dispute and issue a full refund of {$610.00}.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint due to Bank of America 's unacceptable handling of a deposit I made on a Friday evening, after the posted cutoff time. The check was XXXX While I understand there XXXX be standard processing delays, what is absolutely unacceptable is that I was left with XXXX access to any of my funds. 

XXXX, Bank of America has provided partial or provisional credit in similar situations, allowing me to cover urgent expenses while the deposit cleared. This time, however, they offered no such support. I was left completely without access to my own money not a single cent and as a result, I was stranded at a mechanic with no way to pay for essential repairs. 

To try and resolve the situation, I called Bank of America directly and asked whether the hold could be lifted or if any portion of the deposit could be made available. The representative I spoke to was completely unable to assist me and offered no solutions whatsoever. I was essentially told there was nothing that could be done, despite being a long-standing customer in good standing. 

This experience was not only humiliating but financially damaging. It is shocking that a major financial institution would leave a customer without any access to their own funds, especially when a precedent of provisional access exists. The lack of flexibility or even basic customer care is deeply troubling. 

This kind of practice borders on predatory. Customers should not be subjected to such extreme financial vulnerability simply because a deposit was made after business hours. 

I am requesting that this matter be formally reviewed and that greater protections and reasonable accommodations be considered for situations like mine. Consumers deserve better from institutions that profit from holding our money.

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 2025-06-23 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-23 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
This account was charged off in XX/XX/XXXX. It continues to report on my credit report as a XXXX off every month after XX/XX/XXXX. I never received a XXXXXXXX XXXX  from XXXX. I disputed it on XX/XX/XXXX and the results of the dispute stated Information on this item has been updated. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Submitted complaint on XX/XX/year>. Capital One responded XX/XX/year>, " Were reviewing the concerns you recently brought to our attention and want to help, but in order to assist further, we need additional information and would like to speak with you directly regarding this matter. If you need any additional assistance, please give us a call at XXXX. Were available XXXX XXXX XXXX XXXXXXXX, 7 days a week. Well be happy to help. '' I then filed a new CFPB complaint on XX/XX/year>, alleging that the XX/XX/year>, letter is a scam by the bank, as it provided a false name and telephone number in addition to being no response. Capital One 's XX/XX/year> response, " Our research shows that the issues brought to our attention on XX/XX/year> have already been researched. Claim XXXX for the following transaction. 
Debit Card Purchase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX$700.00}. We're respectfully upholding our decision to deny this claim number. '' Capital One 's XX/XX/year> and XX/XX/year> letters requested additional information, but ignored my emailed submission on XX/XX/year> and thereafter claimed not to have received the email submission. On XX/XX/year>, Capital One again asked for additional information but maliciously provided a false name and number, thereby obstructing my ability to settle the information request. 

I again complained, and Capital One responded on XX/XX/year>, " Our research shows that the issues brought to our attention on XX/XX/year> have already been researched. Claim XXXX for the following transaction. Debit Card Purchase - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$700.00} Were respectfully upholding our decision to deny this claim number. 
The documentation that was requested to support the denial of claim number XXXX was sent to you on XX/XX/year>. '' Capital One 's XX/XX/year>, letter is identical to the XX/XX/year> letter except it includes the false statement that my documentation request had been satisfied on XX/XX/year>. 

Capital One constantly employs perjure-laden statements and procedural tricks to evade accountability, but can not prove that they researched my claim and complaints. They refuse to provide the requested supporting documents tied to each of their constant denials. They claimed that they had researched on several occasions, but they do not provide these records. They claim they need more information from me on several occasions, but hide out like frauds and refuse to tell me what information they are looking for from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX XXXXnd Experian for XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the account as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I used my Wells Fargo debit card to send {$1800.00} through a money transfer app XXXX XXXX XXXX XXXX XXXX XXXX to someone in the XXXX, believing I was purchasing items. I was scammed the person misled me, took the money, and disappeared. 

I reported this to Wells Fargo immediately while the transaction was still pending. I provided clear proof that I was defrauded : screenshots, receipts, and the full conversation. Wells Fargo told me I could dispute the transaction but that it would be denied because it involved a third-party app.

They claimed Regulation E does not apply to this case. However, Regulation E should still protect me because I used my Wells Fargo debit card to fund the transaction, and I was misled under fraudulent circumstances. This qualifies as a fraud-based error.

Im requesting that Wells Fargo properly investigate this dispute under Regulation E, issue a provisional credit, and provide a fair review. I would also like a written explanation for any denial.

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
On several occasions I have been contacted by Crown Asset management about a debt that I am disputing. I have requested a cease and desist from contacting me electronically or otherwise. However, Crown Asset management continues to harass me with mailed correspondence and electronic communications. The correspondence I have received from Crown Asset management has been delivered opened thereby exposing my personal information publicly. This is a violation of my privacy, my consumer rights and a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
A hard inquiry has been reported on my credit profile that I did not authorize or recognize. I have not initiated any transactions or granted anyone access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX for a balance of {$480.00}, originally from XXXX XXXX The account was opened in XX/XX/XXXX and is currently reporting on both Experian and TransUnion. 

I previously submitted a dispute in XX/XX/XXXX, but the account was only marked as updated, and I was not provided with any documentation validating the debt, per my rights under the Fair Credit Reporting Act ( FCRA ). 

This debt may be duplicative of a previous XXXXXXXX XXXX charge-off and has not been verified with supporting evidence. The continued reporting of this collection account without validation is inaccurate and unfairly harming my credit.

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 2025-06-23 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: The CBE Group, Inc.
State: NC

Complaint narrative:
On or around XX/XX/year>, I submitted a formal dispute to CBE Group Inc. requesting full validation of a reported {$200.00} collection account allegedly tied to Charter Communications ( Spectrum ). I specifically requested documentation proving the validity of the debt, a signed contract bearing my name, and evidence that my financial and personal information was shared with proper consent. 

On XX/XX/year>, CBE responded via the CFPB stating that they ceased collection activity but failed to provide any of the documentation I legally requested. They also stated no prior validation request was on filedespite this dispute. 

To date, I have received no debt validation, no proof of consent to report the information, and no legal documentation authorizing them to furnish this data to credit bureaus. Under FDCPA XXXX ( b ) and FCRA XXXX, if no proof can be provided, the debt must be removed. They are in violation of : XXXX XXXX XXXX ( GLBA ) failure to protect my personal financial data XXXX XXXX XXXX unauthorized use of identity FCRA XXXX furnishing inaccurate or unauthorized information I am requesting this account be deleted from all credit reporting agencies immediately. Ceasing collection is not enough when they never had legal standing to report the debt in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that these accounts be updated as I have written in my complaint. TO WHOM IT MAY CONCERN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLOWING ACCOUNTS : 1. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS AFFIRM INC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
I WAS NEVER LATE ON ANY ACCOUNTS LISTED AND NEED YOUR HELP BY PROVIDING ME WITH DETAILED DESCRIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION BEING REPORTED ON MY CREDIT REPORT. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. 
I was never late on ANY ACCOUNT LISTED. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS IS CLEARLY A VIOLATION OF MY RIGHTS, AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED.

ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AND UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE. 
THANK YOU. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
I dont have any debts in collections. This was a voicemail : XXXX from Structured Settlement. Never heard of him or the company. I have a photo of the vm translation but was not able to paste it in here.

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 2025-06-23 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have previously disputed with TXXXX XXXX  and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX  XX/XX/year> XXXX XX/XX/year>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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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