vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: Incomm Holdings Inc.
State: AZ

Complaint narrative:
Between XXXX XXXX, multiple unauthorized XXXX XXXX transactions posted to my XXXX  XXXX  account issued by XXXX, XXXX. and managed by XXXX. The total amount disputed was {$2400.00} plus {$21.00} in fees. 

I submitted my dispute within the required timeframe and provided the requested information. After waiting weeks, the company denied the dispute by email. Their written response states : We have completed our review and have determined that no credit is due Based on the investigation there is no error found in the amount of {$2400.00} and {$21.00} in fees. To determine the outcome of a claim the following data elements could be considered : information provided by the cardholder, data/account information, and when available third-party or merchant verification.

The email contains no evidence, no explanation, and no findingsonly general language about what could be considered, not what actually was considered. Despite stating that third-party or merchant verification could be used, none was provided.

The email also states : If you would like to receive a copy of the documents that we used while making our decision, please contact us I requested those documents, but no documentation, records, verification, or investigation materials were provided.

No merchant verification, transaction logs, IP/device review, or fraud analysis were disclosed. No methodology or basis for denial was explained.

This is not a meaningful investigation. It is a template response that offers conclusions without proof.

This account is my primary bank account, not a secondary card. I expect the same federal compliance as any U.S. financial institution.

The denial has caused serious financial damage. Over {$2500.00} remains unreimbursed, leaving me unable to meet essential obligations. Weeks of waiting were erased by a single generic email with no justification.

This dispute process appears non-compliant with Regulation E ( 12 CFR 1005.11 ), which requires : A reasonable investigation A written explanation of findings Access to documents relied upon in the determination None occurred.

What I want resolved : My funds returned A real investigation Copies of all documents relied upon Written explanation of how the conclusion was reached Confirmation of compliance with Regulation E This does not involve millions of dollars. It involves my primary bank account and my ability to stay financially

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because my credit report contains accounts and inquiries that do not belong to me. These items violate my rights under FCRA 602 ( a ), 603, 607 ( b ), 609 ( a ) ( 1 ), 611, 604 ( a ) ( 2 ), and 615. They have caused harm, credit denial, and emotional stress, and I am requesting immediate CFPB intervention. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment I have never made a late payment on this account. Reporting a late status without verified records violates the accuracy and verification requirements of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. Correct the payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Chargeoff I have no knowledge of this account. A charge-off reported without proof violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX, and can not remain. Delete this account immediately. 

XXXX XX/XX/XXXX I did not authorize this inquiry. It violates FCRA 604 and 607 ( B ) because no permissible purpose exists. Remove it. 

XXXX XXXXXX/XX/XXXX This inquiry was not permitted by me and violates XXXX and XXXX ( B ). Delete it. 

XXXX XX/XX/XXXX This inquiry is unauthorized and violates XXXX and XXXX ( XXXX XXXX. Remove it. 

XXXX XX/XX/XXXX I never approved this pull. It violates XXXX and XXXXXXXX XXXX XXXX XXXX. Delete it. 

XXXX XX/XX/XXXX This inquiry was never authorized and violates XXXX and XXXXXXXX XXXX XXXX  ). Remove it. 

These items are unverified, inaccurate, and harmful. I request that the CFPB require immediate deletion of all disputed information and ensure my report reflects only accurate and lawful data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX, Capital One opened multiple savings accounts in my name without my authorization when my tax preparation service-fee deposits were sent to my account. Shortly after these deposits, Capital One froze all accounts, holding approximately {$52000.00} {$60000.00} for years while continuing to generate interest on accounts I did not open. 

Capital Ones fraud department instructed me to provide XXXX clients to verify their authorized fee deductions, stating my funds would be released once verification was completed. I fully complied. Capital One contacted only XXXX clients and never contacted the remaining XXXX, leaving their own investigation incomplete. Despite this, the bank refused to release my funds. 

Months later, Capital One stated they sent the funds back to the IRS, but they have provided no documentation, no XXXX trace, and no confirmation. This claim is inconsistent with my XXXX, XXXX, and XXXX IRS XXXX forms, which show interest from dozens of savings accounts in my name that I did not authorize. These accounts continued to exist long after Capital One claims the accounts were closed and funds were returned. 

Capital One has not provided proof of account closure, authorization for the multiple accounts created in my name, documentation of a completed fraud investigation, or evidence of any IRS return. My funds remain unaccounted for. I believe Capital One engaged in unauthorized account activity, misused my personal information, mishandled my funds, and made false or misleading statements regarding their actions. I am requesting a full CFPB investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
Credit reporting agency has a responsibility to report maximum accuracy on my credit report. A charge off is considered cancelled or forgiven debt. Why is income still being reported on my credit report when they are not allowed to do so.

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 2025-12-03 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: SC

Complaint narrative:
Credit reporting agency has a responsibility to report maximum accuracy on my credit report. A charge off is considered cancelled or forgiven debt. Why is income still being reported on my credit report when they are not allowed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX took me to court for debt that was never even incurred by me. They lost the case, and per the Judge 's decision can never try it again. Nine years ago I made a purchase on Ebay. PayPal financed the purchase, however the item was returned. I had made some payments in the interim in case it took some time for PayPal to receive a refund. I never received a refund, and in fact Synchrony Bank took over the PayPal accounts. They, in turn turned the account over to XXXX XXXX XXXX. XXXX reported me to the credit bureau, XXXX XXXX did as well. However, in an attempt to meet the statute of limitations, they falsified the dates of the loan.

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 2025-12-03 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: FL

Complaint narrative:
I receive a letter from the credit report statement on XX/XX/year>, stating that the bankruptcy on my credit report is accurate. On XX/XX/year>. I contacted the bankruptcy court to ask them for this information and they said they never provided it to the credit bureau so I would like to know how did you guys come across this information if it was never released by the bankruptcy court in the credit report you have listed. And if it was, can you guys provide proof of the accurate information. From the bankruptcy court.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I receive a letter from the credit report statement on XX/XX/year>, stating that the bankruptcy on my credit report is accurate. On XX/XX/year>. I contacted the bankruptcy court to ask them for this information and they said they never provided it to the credit bureau so I would like to know how did you guys come across this information if it was never released by the bankruptcy court in the credit report you have listed. And if it was, can you guys provide proof of the accurate information. From the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
2 seperate loans with similar problem.

During the Covid19 crisis, the loan company offered to defer payments and extend the terms of the loan agreement. We were given the understanding that we may be paying a little more interest but not a huge balloon payment at the end. Regardless we are not being offered any solution, except to a large balloon payment.

2 loans Account # XXXX Account # 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-12-03 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: TX

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-03 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:
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these unauthorized inquiries from my credit file, as they are inaccurate and were not initiated or approved by me. Please conduct an investigation and provide written confirmation upon completion.

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 2025-12-03 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:
Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these unauthorized inquiries from my credit file, as they are inaccurate and were not initiated or approved by me. Please conduct an investigation and provide written confirmation upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IPAC'S Inc.
State: MO

Complaint narrative:
I am reporting XXXX XXXX XXXX for repeatedly furnishing inaccurate, unverified, and contradictory information about a charged-off account that they do not have lawful documentation to collect or report.

The company failed to provide proper validation, yet continued reporting derogatory information across multiple bureaus with different dates of last activity, different balances, different payment histories, and inconsistent charge-off details, violating FCRA 1681s-2 ( a ) & ( b ).

They are reporting : Different dates of last activity to XXXX vs. XXXX  Different verified dates that do not match any billing statement Inconsistent high balances A closed/charged-off status, despite no proof they own the debt Contradictory payment history, showing activity in months where no payments were ever made This is false, misleading, and materially damaging information that has lowered my credit score and impacted my ability to obtain credit. 
XXXX has refused to correct the reporting despite disputes and has failed to conduct any reasonable investigation under FCRA 1681i.

I am requesting CFPB intervention to stop this company from knowingly furnishing false information and to require full deletion of all XXXX tradelines due to repeated FCRA violations , failure to verify ownership, and inconsistent reporting across bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: SC

Complaint narrative:
In early XX/XX/XXXX, Discover Bank reassigned my checking and savings account numbers. Prior to this reassignment, I had been successfully using XXXX XXXX XXXX service for several months without any issues. After the account numbers were changed, XXXX XXXX stopped working entirely. Whenever I attempted to re-enable or re-enroll in the service, I received error messages. 

I contacted Discover customer support and was told repeatedly that the problem was temporary and would resolve on its own. I waited approximately XXXX weeks as instructed. When I attempted to use XXXX XXXX again, I received the same errors. 

Over the following weeks, I spent roughly XXXX hours on the phone with Discover support, speaking with at least XXXX different representatives. Each time I was transferred, I had to re-explain the entire situation from the beginning. XXXX representative eventually identified that my account needed to be re-enrolled in XXXX XXXX, and I was told that this would resolve the issue. A few days later, the system indicated I could re-enroll, but every enrollment attempt still resulted in an error. 

I continued calling Discover and spent several additional hours attempting to get this resolved. Only then did I learn that there had never been an active support ticket for my issue, despite my previous calls. A new ticket had to be created from scratch. 

This ongoing problem has now lasted for weeks, preventing me from using a core feature of the checking account product I have relied on since XXXX. Despite multiple attempts, Discover has not fixed the issue. I informed Discover that if XXXX XXXX is not restored by next month, I will be forced to close both my checking and savings accounts. 

I am requesting CFPB assistance because Discover has been unable to restore the XXXX XXXX service they advertise, has provided inconsistent and inaccurate information over multiple support interactions, and has not resolved a service failure caused by their own account reassignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-12-03 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: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan Motor Acceptance Company is reporting a charged-off account on my credit report, but they are still reporting an outstanding balance at the same time. I received written correspondence from the company dated XX/XX/year> stating that the account was charged off. A charged-off account can not simultaneously report as having an active outstanding balance. 

This is inaccurate, inconsistent, and misleading reporting. It violates the FCRA requirements for accurate and verifiable information. I asked the company to correct this issue, but they stated that the reporting is accurate even though the numbers and the charge-off status contradict each other. 

If the account was truly charged off as stated, the balance should not be reported. If the balance is still being reported, then the charge-off status is incorrect. Both can not be true. Because the information can not be verified as accurate, I am requesting that this account be deleted from all credit reports due to inaccurate furnishing. 

I also requested a XXXX form, which would be required if the debt was actually charged off under IRS guidelines XXXX but the company has not provided one. This further shows the reporting is unreliable. 

I am requesting CFPB assistance to have this inaccurate account completely removed from my credit report.

Company response to consumer: Closed with explanation