vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-22 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint regarding Bank of America and the reporting of a XXXX entry that is unfairly damaging my ability to open bank accounts. 

I have been a loyal Bank of America customer for approximately 18 years. In 2024, during a period of financial hardship, XXXX of my checking accounts became negative. Before any permanent loss occurred to the bank, Bank of America internally recovered the full negative balance by withdrawing the funds from my other Bank of America account. The account balance was fully paid and satisfied. 

Despite this, Bank of America reported the account to XXXX as Account Abuse / Charge Off with a balance of {$670.00}, later updated to Paid in Full. This negative designation is now causing me to be denied bank accounts, including most recently with XXXX XXXX, and previously with other financial institutions. It is blocking my ability to maintain normal banking access even though Bank of America suffered no loss and the account is fully resolved. 

I am requesting that Bank of America remove this XXXX  entry entirely as a matter of fairness, accuracy, and consumer impact. The account is not unpaid, fraudulent, or currently negative. There is no ongoing risk to the bank. Leaving this derogatory remark in place for up to XXXX years is punitive and unjust given that the debt was satisfied using my own funds from another Bank of America account. 

I am asking the CFPB to assist in getting Bank of America to delete this XXXX reporting or otherwise correct it so that it does not continue to block me from accessing basic banking services. 

Thank you.

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 2025-12-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc.
State: CA

Complaint narrative:
I opened a business checking account with Novo through a link provided on the website XXXX. The terms of the promotion advertised on XXXX were that I would receive a {$300.00} welcome bonus upon the completion of the following items : making XXXX debit card transactions and holding a minimum deposit of {$5000.00} for 90 days. 

I completed these terms on XX/XX/year>, but did not receive the welcome bonus after 30 days after completion as advertised in the terms and conditions. 

I attempted to reach out to Novo support, but was told that I was ineligible for the bonus for " not following the referral link ''. I replied saying that I had a screen recording of the signup process which clearly showed that I did follow the referral link, but was rebuffed. 

Screenshots of the support conversation are attached. I can provide the screen recording of the signup process upon request if necessary, as it contains personally identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Resurgent Capital Services/ LVNV Funding, XXXX XXXX. XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Communication Account Name : Resurgent / LVNV Funding Account Number : XXXX To Whom It May Concern, I am writing in reference to the abovereferenced account. This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby instructed to cease and desist all communication with me regarding this alleged debt. This includes, but is not limited to : Telephone calls ( including to any cellular or workplace number ) Text messages Emails Letters Communication with third parties You may only contact me in writing to confirm one of the following : XXXX. That you will comply with this request and cease further communication ; or XXXX. That you are notifying me of a specific legal action you intend to take. 



Any communication beyond what is permitted under the FDCPA will be documented and may constitute a violation of federal law.

This letter is not a refusal to pay, nor is it an acknowledgment or validation of the alleged debt. No permission is granted for continued contact.

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  Debt Validation Request ( FDCPA 1692g ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Resurgent Capital Services/ LVNV Funding, XXXX XXXX. XXXX XXXX XXXX, SC XXXX Re : Debt Validation Request Account Name : Resurgent / LVNV Funding Account Number : XXXX To Whom It May Concern, This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am requesting full validation of the above-referenced alleged debt. 

Please provide the following documentation : XXXX. The amount of the alleged debt, including an itemization of interest, fees, and charges ; XXXX. The name and address of the original creditor ; XXXX. A copy of the original signed agreement or contract bearing my signature ; XXXX. Proof that LVNV Funding, LLC has legal standing and authority to collect this debt, including the chain of title or assignment ; XXXX. The date of the alleged default and the date the account was charged off ; XXXX. Documentation showing that the statute of limitations has not expired ; XXXX. Your license numbers and registered agent authorizing collection activity in my state. 



Until such validation is provided, you must cease all collection activities, including reporting or verifying this account to any consumer reporting agency. 

This request is not a refusal to pay, nor is it an admission of liability. It is a request for validation as provided by federal law. 

Please provide the requested documentation in writing. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an online savings account with Synchrony Bank on or around XX/XX/XXXX. I authorized Synchrony Bank to withdraw the initial {$100.00} deposit from my Customers Bank savings account. Synchrony Bank debited the {$100.00} on XX/XX/XXXX, and my Synchrony Bank savings account was opened. 

However, Synchrony Bank closed this account sometime between XXXX and XX/XX/XXXX without providing any explanation. I assume it XXXX have been due to a lack of additional activity, but no reason was ever given. Despite closing the account, Synchrony Bank did not return my initial {$100.00} deposit. In XX/XX/XXXX, I called to request the refund, and a representative told me that it would take some time and that I would receive a refund check. Over the next XXXX months, I continued to call, and each time I was told to keep waiting. I never received anythingno check and no XXXX credit back to my Customers Bank account. 

In XX/XX/XXXX, I called again, and Synchrony Bank instructed me to contact Customers Bank to reclaim the {$100.00}. Although this request was unreasonable, I still contacted Customers Bank. After speaking with XXXX representatives and a manager, I was informed that Customers Bank had no way to reclaim the funds. I then called Synchrony Bank back more than XXXX times, but they continued to refuse to return my {$100.00} and insisted that only a reclaim request from Customers Bank would allow them to issue a refund, even though I repeatedly explained that Customers Bank could not and would not do that. 

Today, XX/XX/XXXX, I contacted Synchrony Bank once more to request the refund. Synchrony Bank repeatedly disconnected the call and falsely claimed that my {$100.00} had already been credited back to my Customers Bank account on XX/XX/XXXX. I asked Synchrony Bank to provide written confirmation if the {$100.00} had indeed been returned to Customers Bank, but they refused to provide anything in writing. I contacted Customers Bank again and was told that no such credit was ever received.

At this point, Synchrony Bank has withheld my {$100.00} without justification, lied and continues to refuse to return it.

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 2025-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZWICKER & ASSOCIATES
State: AZ

Complaint narrative:
This Company is attempting to collect a debt from XXXX, i have on several occassions taken the call, told them to cease telephone comunication, communicate with me only in writing via postal mail, and to validate the debt. None of which has occured, and they keep calling. It has been well past 30 days for them to validate the debt. So now, i expect them to stand down, and take whatever actions the law states for them to write off this debt, due to failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited my paycheck from work and they supposed to release the money today but they didnt so I called to see why they were retaining my check and they didnt give me an answer

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 2025-12-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

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 2025-12-22 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: GA

Complaint narrative:
I am submitting this complaint regarding Equifaxs handling of a credit reporting error that is causing immediate and significant harm.

Equifax is reporting one or more accounts on my credit file that * * do not belong to me * *. These inaccurate items directly caused the denial of a federal Parent PLUS student loan, which is necessary for my daughters enrollment for the Spring 2026 academic term. Classes begin imminently, and the financial aid timeline is extremely time-sensitive. 

I have formally disputed the inaccurate account ( s ) with Equifax and provided documentation confirming my identity and address. I have also made multiple attempts to resolve this matter by phone, online dispute submission, and follow-up communications. Despite this, Equifax has refused to escalate the dispute or provide any meaningful assistance beyond repeating standard investigation timelines. 

When I requested escalation or manual review due to the urgency and federal education consequences, Equifax representatives stated that expedited or escalated review was not an option, even though this dispute involves an account that does not belong to me and has immediate financial consequences. I was told that I must either file a police report or contact the creditors directly despite the fact that these are not my accounts and I have no relationship with the creditors. 

Requiring a police report in this situation is unreasonable and inappropriate. I am disputing an * * inaccurate credit reporting error * *, not reporting a crime. Filing a police report for an account that is simply not mine is not required under the Fair Credit Reporting Act ( FCRA ), and Equifax has not explained why less burdensome alternatives are insufficient. 

Additionally, Equifax has attempted to shift the burden to me to contact creditors for accounts I do not recognize, rather than fulfilling its legal obligation under the FCRA to conduct a reasonable reinvestigation by contacting the furnishers itself. This refusal to assist meaningfully has placed my family at risk of losing necessary education funding solely due to XXXX delay and lack of cooperation. 

I am not asking for special treatment or preferential outcomes only that Equifax comply with its obligations under the FCRA to promptly and reasonably reinvestigate inaccurate information, particularly when the error is clearly identity-related and supported by documentation. 

This matter is causing ongoing harm, stress, and potential disruption to my daughters education. I am requesting CFPB assistance because Equifax has failed to take reasonable steps to resolve an obvious inaccuracy or escalate the matter despite clear evidence and documented urgency. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I previously disputed these items and requested full removal/correction. Despite that, the company continues to report these tradelines and fails to provide a meaningful, evidence-based resolution. This is a violation of the companys duty to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ) .If the company claims the information was verified, I request full details of the verification process, including the method of verification required by 15 U.S.C. 1681i ( a ) ( 7 ), not a generic statement.I am requesting CFPB assistance because this inaccurate reporting is causing ongoing harm and the company has not resolved the matter through normal dispute channels. 
The following account is reported in connection with my file : XXXX - XXXX balance {$2.00} - date opened XX/XX/2024

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