vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: MA

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My problem is there have been debts on my account someone claiming I had electric service in my name this happened twice, and I don't live in that state I had it removed from Experian and transunion it didn't show up on Equifax.everytime someone steals my identity it hurts my credit score and Experian do a poor XXXX job at protecting my account. Even with my account being frozen someone can still gain access and put these bogus accounts in my name.i have had to file a police report twice. I believe Experian is putting these bogus accounts in my name to get me to purchase their products it's weird because these accounts would be open and closed and put into collections all in the same month but it hurts my credit and I feel my credit is being abused by them and my credit score and everything that has happened with my account with Experian shld be investigated they should be investigated

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 2025-11-29 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that I have several different loan amounts showing for account XXXX I have reached out to them directly with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that I have several different loan amounts showing for account XXXX I have reached out to them directly with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I have reviewed my credit report and noticed that I have several different loan amounts showing for account XXXX I have reached out to them directly with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
I am filing this complaint because the debt collector Caine & Weiner Company is reporting and updating a collection account on my credit reports without ever providing proper validation, which is a violation of federal law. 

FDCPA Violations Continued Collection Without Validation On XX/XX/year>, I sent a written request for validation and a cease-and-desist notice. 
The collector has not provided ANY required validation, including : No signed agreement or contract No proof I am legally responsible for the alleged debt No itemized billing No explanation of the charges No proof they have the legal authority to collect No chain of title or ownership No documentation tying my identity to this debt Per FDCPA 809 ( b ), a collector must cease all collection activity until validation is provided. 

Despite this law, the collector continued : Reporting the account as open on XXXX  Updating the account as closed on XXXX Adding the account to XXXX  after receiving my dispute and cease-and-desist letter All of this constitutes illegal continued collection activity. 

FCRA Violations Reporting Unverified and Inaccurate Information The collector is also in violation of : FCRA 623 ( a ) ( 1 ) furnishing information that is unverified or inaccurate FCRA 607 ( b ) failing to assure maximum accuracy FCRA 611 ( a ) failing to investigate disputed information before reporting They reported ( and updated ) information while the debt remained unvalidated, which is illegal. 

These actions have caused : Damage to my credit Loss of credit opportunities Emotional distress and undue burden Time spent disputing a debt the collector can not prove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please See Attached! Dispute Immediately! Please Cease & Desist all forms of communication and delete these accounts from my Credit Reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: UT

Complaint narrative:
I am filing this complaint because Credit Karma is withholding my money and refusing to resolve the issue. 

On XXXX initiated a transfer for XXXX from my Credit Karma account to my external bank. The transfer appears clearly in my online activity inside the Credit Karma app, showing the amount and the date. However, Credit Karma claims they can not find the transaction on their end. This is false, because I have screenshots showing that the transaction exists in my activity history. 

Since then, I have been unable to access my funds. 
I do not have a debit card for the account I can not use instant transfer I can not withdraw my money in any way I have contacted Credit Karma multiple times over the last two weeks, and every time they give me a different answer. They have not provided a case number, nor have they escalated my issue. They keep telling me something different each time, but they still refuse to release my money or acknowledge the transaction that clearly shows in my activity. 

Credit Karma is holding my funds without justification, and I urgently need access to my money. Their customer support has been unhelpful, inconsistent, and dismissive. 

I need urgent assistance. Credit Karma is preventing me from accessing my own money and has failed to provide any valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
To the Consumer Financial Protection Bureau-consumerfinance.gov/complaint. I disputed every delinquency, collection, and inquiry on my Experian report-literally everything-back on XXXX first. They came back verified across the board, no explanation, no proof, no name of anyone they called. Thats not how 1681i works. I want them to either show me the real evidence or delete it all. If XXXX just auto-verifying

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX - Balance : {$1900.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$3700.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$9500.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NE

Complaint narrative:
I am wrote file a complaint against navy federal credit union regarding to multiple overdraft fees on my account, despite having sufficient funds when transaction 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 Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation on my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I am deeply frustrated to see that these inaccurate accounts continue to stay on my credit report, and nothing was removed. I urgently ask that the documents I sent are reviewed with full attention so I can finally stop worrying about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, a stranger on the street gained access to my phone and made an unauthorized transfer of {$3000.00} from my XXXX  account to himself. I did not authorize this transfer in any way. I discovered the transaction immediately and reported it to XXXX  on the next day. 

I also filed a police report and provided XXXX  with the official police report number and documentation. Despite this, XXXX  concluded that the transfer was valid, even though I did not perform or approve it. 

This was an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I reported the incident promptly, provided evidence, and complied with all requests. XXXX investigation was inadequate and did not address the fact that the transfer was performed by a stranger without my permission. 

I am requesting that the company reinvestigate the incident under Regulation E and recredit the {$3000.00} that was transferred without my authorization. I am also requesting that they provide documentation supporting how they determined the transfer was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
Wise deactivated my account on XX/XX/year>. This was because I tried to add a customer 's account information to the recipient section, and my account was automatically deactivated. Despite contacting customer service several times, I was told that no one other than the appeals team could assist me. The appeals team has still not responded and is not available on any other platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
I am sending to formally dispute several inaccuracies on my credit report that continue to be reported despite my previous attempts to delete them. These inaccuracies include multiple addresses and charge-off accounts that are either incorrect, obsolete, or unverifiable, and their continued reporting is causing substantial harm to my creditworthiness and financial reputation XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX LENDMARK XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank isnt processing my credit card payments to Capital One Credit Cards fast enough. My payments are taking forever!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint because Bank of America denied my fraud claim for a {$540.00} XXXX transaction that I did NOT authorize and did NOT receive. XXXX provided a XXXX document stating delivered, but that does not prove that I personally received the item, nor that it was delivered to me. I never saw the package, and it never came into my possession. 

Bank of America closed the case without verifying essential information such as the delivery XXXX coordinates, delivery photo, or the name/signature of the person who supposedly received the package. A simple delivered status from XXXX is not proof that the correct person received the package or that the order was legitimate. 

I am requesting that Bank of America reopen the fraud claim and conduct a complete investigation. I should not be held responsible for a charge for merchandise that I did not order and that never arrived to me. The banks initial review was incomplete and did not consider the possibility of misdelivery, theft, or unauthorized use of my information. 

I am asking the CFPB to ensure that Bank of America provides a full, fair, and proper fraud investigation as required by law. 

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 2025-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have a XXXX  Honda prolodge, the vehicle displayed a service high voltage system warning. I took the vehicle to the dealer concord Honda in concord ca. Honda is trying to charge me a diagnostic fee of {$230.00} claiming the system warning was caused by a camera being off alignment because of a dent on the front license plate. There is no damage to the camera only to the bottom of the license plate. I have read many complaints of this happen to owner owners of this same car and their car doesnt have a dent around license plate frame. Honda is trying to not take responsibility for the car malfunctioning. Honda of concord forced me to give them my insurance information so they can have my car insurance pay for the diagnostic testing. The car is under warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX {$860.00} World Finance XX/XX/XXXX XX/XX/XXXX {$1000.00}. {$1000.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} XX/XX/XXXX XXXX Jefferson Capital System XX/XX/XXXX {$970.00} Some accounts have the same information different date and sold to different companies Formal Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute the following inaccurate and/or unverifiable information on my credit report. This letter is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Please investigate the items listed below, as I believe they are incomplete, inaccurate, or can not be verified. 

Under the FCRA, you are required to report only XXXX XXXX  accurate, verifiable, and complete information. 
The above account ( s ) contain XXXX or more of the following violations : Unverified information ( FCRA 611 ) Incomplete or inaccurate reporting ( FCRA 607 ( b ) ) Balance, dates, or status inconsistent with original creditor reporting Failure to validate ownership or furnish proper documentation Mixed or incorrect personal information connected to the accounts Because of these violations, these accounts must be deleted from my credit file unless the information can be fully verified within XXXX  days using original documentation from the data furnisher, not a database printout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Dispute and Validation Request for Account # XXXX I am formally challenging the accuracy of the account shown and require proof of its validity. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting complete and thorough validation of this account. Please supply the following documentation : A copy of any original signed agreement or contract establishing responsibility for this debt. 
Proof that your organization has legal authorization to collect or report this account. 
A full itemized accounting of all charges, fees, payments, and interest applied to the account. 
Documentation showing rightful ownership or transfer of the debt, if applicable. 
Until proper validation is provided, all reporting and collection efforts must cease as required by federal law. If you are unable to verify this account, it must be removed from all credit reporting agencies immediately. 
Thank you for your prompt attention to this matter. This issue affects my credit standing and requires urgent resolution.

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 2025-11-29 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief