vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-18 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: TN

Complaint narrative:
I am formally disputing the accounts and inquiries listed below as part of the widespread data breach incidents affecting TransUnion. These items are inaccurate, fraudulent, or unverifiable and must be removed immediately under the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611, requiring accuracy, maximum possible completeness, and proper reinvestigation of disputed information. 
Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
- Hello, - - I am writing to request the removal of my authorized user status from the following accounts : - - * XXXX credit card accounts- * XXXX checking account - - Thank you for your attention to this matter. I have already removed my authorized user status from my credit report. When I contacted Capital One, I was informed that they are unable to remove my authorized user status because the accounts were charged off. I would like to have these accounts removed because of the negative impact theyre causing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XXXX XXXX I transferred {$170000.00} from my Discover bank account to a XXXX XXXX  account. The funds were successfully deducted from my account but the recipient never received them. On XX/XX/XXXX, I applied to withdraw my application, and Discover confirmed that they initiated the withdrawal process. Today, XXXX XXXX I called Discover again. They confirmed the status was still pending but refused to contact XXXX XXXX  to confirm whether they had received the withdrawal request or whether the funds were frozen. I am a XXXX American senior citizen. This money represents my life savings. 
Discover Bank has failed to fulfill its legal obligations under the U.S. Banking Act ( UCC 4 A ) to track and resolve this transfer. Despite imitating the withdrawal proceedings, they have refused to contact the receiving bank. I request Discover to immediately : Confirm in writing whether XXXX has received the withdrawal request ; If the funds are still in XXXX escrow account, request an immediate refund ; Provide a refund timeline. If the issue remains unresolved within 10 days, I will take legal action and contact my U.S. Congressman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a XXXX transaction for {$1200.00} for my friend XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made it to the XXXX account number she has with Bank of America since XXXX, XXXX XXXX. To date, she has not received this money, nor has the money been returned to my account. I filed a complaint by phone and went to the branch in person, and the manager informed me that I should speak with the XXXX company at XXXX. I called that company, and they informed me that I should speak with Bank of America. My friend had problems with two other XXXX transactions around the same time that have still not been credited to her account. She filed a complaint through this channel, complaining about the three unreceived XXXX transactions, and now I've received different information, stating that the person who sent the XXXX transaction should file the complaint. Therefore, I am making this complaint now. Please, we need help to resolve this situation, the money has disappeared??? I really don't understand. Please, when contacting me, I would like to have a XXXX  interpreter. My phone number is XXXX or XXXX. I hope I can count on your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( EQ ) XXXX  XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XX/XX/XXXX {$11000.00} These accounts are reported inaccurately, and Equifax has failed to provide sufficient documentation or verification. 

Inquiries ( EQ ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are inaccurately reported. I request their removal unless properly validated. 

Late Payments ( EQ ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
I am filing a complaint against XXXX XXXX Rosebud Economic Development Corporation for predatory lending, deceptive disclosures, and failure to provide a copy of my loan agreement. 
I borrowed {$800.00}. I have already paid a total of {$1500.00} toward this loan, yet only about {$70.00} has been applied to principal. The lender is charging continuous weekly extension fees of {$120.00} that do not reduce the loan balance. These fees consume almost my entire payment each time, preventing me from paying down principal. 
The contract appears to be structured as a normal fixed-payment loan with a one-time scheduled payment of {$920.00} ( principal + {$120.00} finance charge ). However, the lender applies payments according to a hidden line of credit structure that adds a {$120.00} weekly fee for each extension, even though this is not clear or prominently disclosed. No reasonable consumer would understand from the contract how repayment works or that they would be charged perpetual weekly fees that do not reduce principal. 
I never received a copy of the agreement by email or mail after signing, and I was not shown how payments would be applied. The actual cost of the loan is impossible for a consumer to determine. The structure is deceptive and functions as a debt trap. 
I am requesting that the CFPB intervene and require the lender to close my account and mark it as paid in full, as I have more than repaid the amount borrowed plus any reasonable interest or fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this filing to dispute the following accounts and inquiries on my credit report. These items are inaccurate, and I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that these inaccuracies are corrected. 

Charged Off Accounts : UNAUTHORIZED COLLECTION Account Number : XXXX Date : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$11000.00} Inquiries : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: NJ

Complaint narrative:
Way to go New Jersey card is for my child support. The card broke a year ago so I use it online to pay bills because they wont replace the broken card until they close this one then theyll send another one, but they dont give me a date so I was trying not to be without it so I was transferring money. On the app unless you do a transfer from way to go. to my bank checking account I tried {$500.00} a XX/XX/XXXX way to go said it cleared then the next day they put it back in my account on XX/XX/XXXX. I tried XXXX said it was cleared XX/XX/XXXX. Its back on the card my account when I call this number for customer service its an hour just to try to get a representative on the phone. You dont even have the option to reach a representative so I just click damage card. Finally got a hold of someone they wanted my full Social Security number which I will not provide us and give you my last four in my name. She was telling me that I cant transfer when the app does not say that the app let you transfer. She was not answering my questions I asked for a supervisor the supervisor his name XXXX he asked for my full Social Security number. I said again I do not get that out. I can give him my last four he finally verified me in the system telling me that if I want to do a transfer, I have to email them with my bank statement because when I do the transfer on the app, they automatically flag it as fraud and thats why it stops it going into my bank. I said I give the information about my bank when I do the transfer in the app. It asks for the routing number and account number and my bank name Pops up Why would I send you an email with a bank statement with all my banking information on it? He proceeded to say he can not carry on with this conversation and he hung up on me. So basically they are not letting me use my money where needed, It is my money. I dont know why they think they can hold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nexum Group Inc
State: FL

Complaint narrative:
A debt collector ( Nexum Group ) is attempting to collect a debt that is not mine. After I disputed the debt and requested validation, they sent me a packet of documents that belong to an entirely different person. My name is not on any of the documents they provided. The debt, eviction-related notices, tenant ledger, and legal communications they sent are for someone named XXXX XXXX XXXX who I do not know. This appears to be both a case of attempting to collect from the wrong person and a serious privacy breach. 

Details : I received phone calls and communication from Nexum Group claiming I owe a debt. I requested written validation and sent a denial stating it is not my debt. In response, the collector sent me four documents, all belonging to a completely different individual. 

The documents include : XXXX ) A debt validation letter addressed to XXXX XXXX at an address that is not mine. 

XXXX ) A full tenant ledger for that person showing rent history, late fees, charges, payments, and a balance of over {$24000.00}. 

XXXX ) A Notice of Intent to File Damage Claim containing highly sensitive details such as alleged property damage, mold, structural issues, pests, and other personal allegations. 

XXXX ) Additional documents related to that individuals rental account, debts, and violations. 

My name does not appear anywhere in any of these documents, confirming the debt is not mine. 

Violations : Based on what they sent me, I believe the company violated : FDCPA Attempting to collect a debt from the wrong person FDCPA 805 ( b ) Illegal third-party disclosure of debt information Privacy and data-handling requirements under CFPB Regulation F Possibly FCRA and state privacy laws, because they disclosed another consumers full financial, legal, and personal information to me The documents include another persons full name, address, account balances, rental history, outstanding damages, legal notices, and claims regarding property conditions. 

Requested Resolution : I am requesting that the CFPB : Investigate Nexum Group for attempting to collect a debt from the wrong person. 

Investigate the improper disclosure of another consumers private financial and legal information. 

Require the collector to cease all communication with me about this debt. 

Ensure my information is not associated with this debt in any way. 

Document this incident, as I may pursue damages for the FDCPA and privacy violations. 

Attached Evidence : I uploaded the documents exactly as they were sent to me by the collector. They show the debt belongs to someone else, and demonstrate the privacy breach and the wrongful collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am disputing inaccurate and unverifiable information on my Experian credit report. Despite several attempts to resolve these issues directly with Experian, they have failed to properly validate or investigate the disputed items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 611. 

I request that the CFPB assist in ensuring that Experian removes any unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( XXXX  ) XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXX CARD XXXX XX/XX/XXXX {$0.00} These accounts are reported inaccurately, and Experian has failed to provide sufficient verification. 

Inquiries ( XXXX XXXX XXXXXXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are inaccurately reported. I request their removal unless validated. 

Late Payments ( XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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