vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I opened a business checking account with Novo on XX/XX/year> to get their {$300.00} sign-up bonus. 

The rules for the bonus were simple : XXXX {$5000.00} and keep it in the account for 90 days, there weren't any language during the signup for specifically using nerdwallet website, i've attached wayback machine version https : XXXX # XXXX vs https : //www.novo.co/offer/nerdwallet. 

I followed the rules exactly. I deposited the {$5000.00} on [ Date of XXXX ] and kept it in the account for the full 90 days. I have bank statements that prove this. 

When I didn't get the {$300.00}, I contacted Novo. They told me I was " not eligible '' but did not say why. 

I submitted a ticket on XX/XX/year> and asked them to look again. They promised to get back to me with an answer but have now stopped replying ( ghosted me ). 

I am asking for the {$300.00} bonus that Novo promised when I signed up. I met every rule for the promotion.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I already spoke directly with the issuing bank and with the company who issued the check. 

Both confirmed : The funds ARE fully available. 
There are no issues with the check. 
The problem is entirely with Fifth Third Banks processing. 

The company even provided written verification that the funds are available. 

I have banked with Fifth Third for several years and have deposited checks from this same company multiple times without problems. I am being subjected to excessive verification and a prolonged hold due solely to a teller processing error that I did not cause. 

I am facing financial harm for a mistake that I did not make, while no one at the branch or dispute department is taking responsibility. 

I demand immediate release of my funds and correction of this teller error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
XXXX called and attempted to report dispute. Was told they would not connect me with lost and stolen services until payment of {$130.00} was made ( which likely includes payment for disputed amount, fees, interest that have been added ). 

XXXX sent formal dispute via XXXX and email. On XXXX, responded by closing account and restricting my access to the newly created account number. Did not process dispute, but did put note on my account to when customer calls back, allow him to report his dispute. 

XXXX I called about a letter I received stating my account privileges were suspended. I explained my phone call on the XXXX and their refusal to accept my dispute. Was told they will now accept dispute as a note had been put on my account. ( Without this note, they would not have accepted my dispute ). They did not process my written dispute. 

XXXX received email that my dispute was processed. That disputed amounts, interest, fees, etc had all been credited to the account. 

XXXX account still shows no credit, and is being reported late to credit bureaus. Late fees are being added, even though after adjusting for fraud, fees and interest, the balance should be near {$0.00}. 

XXXX still have not mailed my replacement card claimed to have been mailed on XXXX. 

XXXX Action was taken on my dispute to close the card with fraud activity. But disputed transactions were not marked as such, reporting with credit bureaus was not repaired, and as of today account still shows the full balance with disputed amounts as being due, over limit fees and late fees accruing.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECTINCis falsely reporting on my credit. I have never had any accounts with them. Per my research PROCOLLECTINC 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 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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Benht: Economic Development Corporation
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX regarding a payday-style loan with predatory repayment terms, refusal to provide documentation, and inability to access my online account. 

I borrowed approximately {$700.00} ( later stated as {$690.00} principal ). I have paid around {$800.00} through XXXX debits from my XXXX XXXX XXXXXXXX XXXX account. 

On XX/XX/year>, a representative told me that : If I followed their XXXX repayment schedule, my total repayment would be approximately {$4000.00}. 
Most of my payments so far have gone toward interest, not principal.

When I requested a copy of my loan agreement, TILA disclosures, APR, and payment ledger, the representative said they could not email it and instructed me to access it through their website.

However, despite repeated attempts, password reset emails to my verified email address never arrive. I confirmed with the representative that my email was correct. When I informed her that no reset emails were arriving, she hung up on me.

As of today, I still have : No loan agreement No TILA disclosures No APR or fee schedule No payment history No access to my online account The repayment structure appears predatory and excessive, and the inability to obtain documentation prevents me from understanding or verifying the debt. 

I have now : Revoked ACH authorization Prepared to close the affected bank account Requested documentation in writing Begun regulatory escalation I am requesting that the CFPB : 1. Investigate XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Require them to provide my loan agreement and TILA disclosures 3. Provide a payment ledger and proof of how a {$700.00} loan becomes a {$4000.00} repayment 4. Stop unauthorized ACH activity 5. Ensure no adverse action is taken during the dispute I am attaching screenshots and documentation of failed password resets, ACH payments, and call logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received a text message on XXXX and XXXX from a XXXX number that states " Hi <my name is entered here>, this is Capital One : Our records show we haven't received a payment for your auto loan ending in XXXX. Schedule a payment, explore options at XX/XX/XXXX or call XXXX. For disclosures, visit https : XXXX XXXX & data rates may apply. Reply HELP for help or STOP for stop. '' I do not have a auto loan with Capital One. Because any reply may trigger access to my cell phone, I have not sent a response. I have blocked, deleted, and reported the number to junk, but I still receive requests for payment.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX U.S.C. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX U.S.C. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Truist online banking was breached on XX/XX/XXXX from an outside IP address. The hacker changed the routing and account number for one of my employees. Funds were cut via payroll and direct deposit paychecks were issued on XX/XX/XXXX. We were notified by the employee whose information was changed online that payroll was not received on XX/XX/XXXX. We verified the routing, and account number did not match his bank. We notified Truist immediately. Truist denied paying the claim and said they were contacting the receiving bank. This paycheck was approximately $ XXXX. After several phone calls to the fraud department Truist said a letter was sent to XXXX XXXX XXXX ( fraudulent account ) and they would attempt to recover funds but not guarantee a return. I have contacted the fraud department several times and all they tell me is XXXX has 90 days to respond. They will not provide me with any detailed information from their IT department that confirms who accessed the online banking at the time the change was made. They will not tell me if an analyst has called XXXX to stop funds from being released. They will not let me speak to anyone but a supervisor at the fraud department who can only read the analysts notes.

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: Experian Information Solutions Inc.
State: GA

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: 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 writing to dispute the following accounts that I believe are inaccurately reported on my credit report. Please find the disputed accounts separated by bureau below : Charged Off Account : Unknown, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} Inquiries : XXXX, Date : XX/XX/XXXX

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The Portfolio Recovery account originally from XXXX Bank continues to report conflicting and inaccurate information across all three credit bureaus. 

Issues include : Conflicting last-activity dates One bureau shows 120 days late, others show no payment history Status shows Charge-Off but also Open Remarks such as Dispute Resolved Subscriber Disagrees yet no documentation provided Consumer Disputes Information with no reinvestigation Furnisher did NOT respond to my prior disputes for over 90 days This violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inconsistent information FCRA 623 ( b ) failure to investigate disputes FCRA 611 ( a ) ( 5 ) ( A ) unverifiable info must be deleted FCRA 607 ( b ) maximum possible accuracy FDCPA 807 ( 8 ) misleading representation of account status

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute because there are discrepancies with the following accounts. The accounts listed below contain inaccuracies that I am requesting to be reviewed and corrected or removed as per the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/20, Balance : {$0.00} Late Payments : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX, Account Number : XXXX XXXX XXXX, Account Number XXXX XXXX XXXX  XXXX, Account Number : 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: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Spoke with company asked to only use mail as form of communication. They than proceeded and called my employer on XXXX disclosing my debt to my employer. I called company once again to remind them about communication preferences and how they illegally disclosed my information to my work place on XXXX spoke with 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