vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Below see a timeline of events related to Discover credit card fraud case number XXXX. 

XX/XX/XXXX- I woke up to a message from discover asking me to authenticate a purchase on XXXX I immediately did not recognize the payment and responded accordingly. The automated messenging service responded there was an issue and I needed to contact discover. I immediately called them to report the issue. This can be seen in the attached screenshots which show my response to discover and call to their hotline number, XXXX. 

Discover assured me everything was going to be fine, they would send me a new card, and I would not be held liable for payments I did not authorize. Therefore, I assumed my work was done. 

Immediately after calling discover, I called to XXXX  to see what needed to be done. They said my account had been hacked and I began resetting all of my passwords. There is an email confirmation below showing I disabled all payment services from my account. 

XX/XX/XXXX - I logged into my XXXX XXXX account and saw the XXXX  hackers had stolen my schwab debit card as well. I attached snips below to show those charges, which were for the same amount as what I was charged on discover. {$68.00} is the fraudulent charge. 

XX/XX/XXXX - Apparently, discover needed more information on my fraud case, so they sent a letter to my parents house, which I never received. I had just moved to California and did not have a permanent address, so I was not getting any mail. I attached a screenshot of my conversation with my dad from this day to prove I was never in possession of that letter. 

XX/XX/XXXX - I woke up to a horrifying sight, {$2400.00} had been withdrawn from XXXX account to pay off the debit card balance. That was the fraudulent amount. Apparently, Discover found I was liable for these payments and I was charged for them without telling me. They billed me for the entire fraudulent amount. 

I immediately called discover to dispute this, and they said they needed more information. I have been on the phone with XXXX and discover non stop to provide the necessary information. As seen in the XXXX  purchase history and discover purchase history, this fraud event on XX/XX/XXXX is OBVIOUS. I only used my discover card for icloud storage and XXXX. Additionally, I almost never spent money through XXXX. Then all of a sudden I rack up a {$2500.00} bill in tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have never heard of? How in the world am I being deemed responsible for this. That is completely unacceptable and it is evidently fraud. I attached a statement from discover and XXXX to show my annual spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/year>, a " phantom '' deposit of {$320.00} appeared in my XXXX XXXX XXXX Goldman Sachs ) account. I confirmed with the XXXX XXXX Department that ZERO transmission occurred ; the transaction never existed on the banking network. 

1. The Technical Error ( The " Phantom '' Charge ) : The entry itself is a technical paradox : The transaction header states " Added to Balance, '' yet the internal status reads " Declined '' ( see image XXXX ). Furthermore, the XXXX account allegedly used for this transfer was NEVER linked to my XXXX XXXX profile ( see image XXXX ), making a user-initiated transfer technically impossible. This proves the XXXX XXXX software was malfunctioning and displaying erroneous data that did not match the bank ledger. 

XXXX. Deceptive Representation of Evidence : Throughout the resolution process, multiple agents deflected my requests for verification. When I finally demanded a Federal ACH Trace Number from the Final Floor Supervisor, the agent knowingly misrepresented an internal software UUID code ( A A 5 F 5 A C 8 ... ) as a valid banking trace number. This was a calculated deceptive act to mislead me into believing a non-existent transaction was legitimate. 

3. Abusive Service & Denial of Support : I was channeled through 14 different representatives over multiple days. Support staff engaged in a pattern of " Strategic Disconnects '' hanging up on me 4 separate times immediately after identity verification. This appears to be an intentional tactic to manipulate call-handling metrics ( AHT ) rather than provide federally required error resolution. 

4. Diversionary Tactics & Manufactured Frustration : When I provided chat logs where their own agent admitted they " could not locate the charges in the system '' ( see image Screenshot XXXX at XXXX AM of Friday XX/XX/year> ), supervisors refused to review the evidence. Instead, they aggressively pivoted to discussing an unrelated, closed credit card account to provoke confusion and manufacture a pretext for closing the relationship. 

5. Financial Injury Under Duress : To prevent Goldman Sachs from reporting a false " Charge Off '' to ChexSystems based on this glitch, I was forced to deposit personal funds ( {$1.00} ) to bring the balance to Positive {$0.00}. This payment was made under duress solely to protect my consumer reporting file and is not an admission of valid debt. 

Summary : The bank has failed to acknowledge the system error, failed to provide valid banking trace data, and failed to provide written confirmation that my XXXX  report is clean despite my positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I have been charged {$770.00} plus on overdraft fees just like year, I had several surgeries impartially my fault as I was unable to work. However have XXXX kids in elementary school whose biological dad is deceased. I know a lot of other banks in recent years have eliminated or drastically reduced the overdraft fees. Wells Fargo used to waive the fee on a Few occasions if you contacted them with information. However they will not Do it all not even one every five years apparently ( example ) they just say they arent allowed to no matter what. 

My old Wells Fargo checking account let me overdraft up to $ XXXX on my current one it was only ever {$200.00} Im not sure how that is determined as none of my deposit information or usage changed between the two. 

I previously had overdraft protection on my current checking account but had a few Occasions where I was over drafted but always promptly corrected it. ( Mainly due to loss of income from surgeries in recent months/years ) in XXXX I tried to buy milk and was declined I called wf and they told me I was notified they had removed atm overdraft protection from my account. A few days later I checked at A Wells Fargo atm and it showed I was still enrolled so I removed it MYSELF. A few weeks later I called to readd it as I had Tried the day before at an atm and it said I wasnt eligible. The rep told me they had removed it which was a lie because they didnt. I did, and that a block was on there preventing The readditon. I explained my situation and after speaking with their supervisor was informed they couldnt do anything and to just keep checking to see if Im eligible later. To this day I have never received notification that they had removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
XXXXXXXX XXXX {$16000.00} I never had a car loan please verified I have asked the bureau * XXXX XXXX XXXX / {$160.00} /i dont owe this creditor i have asked for this to be verified no response its been 4 months. XXXX XXXX XXXX XXXX {$240.00} $ i dont own this account have adked for it to be verified no response in 4 months please delete. * XXXX XXXX XXXX XXXX i dont own this account asked for verification no response in 4 months please delete XXXX XXXX XXXX XXXX/ {$440.00} i dont own this account have asked for it fo be deleted no response in 4 months * XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX dont own this account has asked for it to be verified no verification was sent please delete its been 4 months no response XXXX XXXX XXXX XXXX {$830.00} i dont own this account it been 4 months i have asked for it to be delete no response no verification of this account or anything please remove XXXX XXXX XXXXt account closed never was late this account been closed since 2024 please investigate and remove...... I have been reported this and no update yet and it affecting me

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 2025-12-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-08 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: NM

Complaint narrative:
Please inspect the records ; the inquiries came unexpectedly and could be unapproved.

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 2025-12-08 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN XXXX, to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 5. Legal Precedent XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-08 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: AZ

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed them. This is unacceptable and misrepresents my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts is alarming. Provide immediate clarification on why these accounts appear on my report and identify who is reporting them.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have reached out to the debt collection company several times asking for validation or the debt and asking proof the company has the right to collect on the debt. I also asked for a cease and desist. The company has totally ignored my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
My Experian credit score updated on the 3rd of the month, increasing from XXXX to XXXX due to responsible usage and on-time payments. However, my XXXX  XXXX billing statement did not close until the XXXX. 

Because of this timing, I believed my reporting period had already ended and resumed using the card to pay a bill. That balance was then applied to utilization, and my credit score dropped the very next day from XXXX to XXXX. 

This sequence of events was misleading and resulted in an unfair and unexpected loss of months of credit progress, despite my account being in good standing with no late payments. I am requesting that XXXX XXXX provide the exact balance and date reported to the credit bureaus for this cycle and review whether the utilization reporting caused by this timing was misleading or 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
To Whom It May Concern : I am writing to request that you update my personal information in your records to the following : Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Please send me a complete copy of my entire consumer file that you maintain under my name and Social Security number. 

I also hereby opt out of any sharing, selling, or disclosure of my personal information with any third parties for any reason. If you share my information after this notice, I will pursue legal action for violations of my consumer rights and privacy. 

I have attached a copy of my government-issued identification, Social Security card , and proof of residency to verify my identity and address.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
FAIR COLLECTIONS & OUT Has fraudulently obtained my private personal information and has attached their company to my credit report without any prior permission or written consent I have I do not have any contract with this business nor do I even know them. They fraudulently attached their business to my personal information in XX/XX/XXXX I asked the business to provide proof of legal right to collect this debt, including the original creditor and a copy of assignment sale agreement copy of my contract with FAIR COLLECTIONS & OUT full itemization of charges including rent damages fees with dates explanation. I also stated to the business that they have broken USC laws and FCRA and asked them to remove their business off my personal credit reports. The business has not been able to provide the items I requested back in XX/XX/XXXX and again in XXXX XXXX and refusing to remove their business off my report.

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 2025-12-08 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: LA

Complaint narrative:
TransUnion is reporting inaccurate and internally contradictory information on a XXXX XXXX / XXXX credit card account on my credit file. On this same account, TransUnion reports conflicting balances of {$0.00} and {$140.00} at the same time, which is impossible and demonstrates a failure to maintain maximum possible accuracy as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 

TransUnion is also reporting XXXX separate open dates for this same account : XX/XX/XXXX and XX/XX/XXXX. This indicates either mixed file reporting or illegal re-aging of a charged-off account, both of which violate federal credit reporting law. 

The account is marked as charged off as bad debt and purchased by another lender, yet TransUnion continues to report an active balance and collection status. Once a debt is charged off and sold, the original creditor can not legally continue to report a balance owed, making this reporting misleading and duplicative. 

I previously disputed this account directly with TransUnion and requested full verification and documentation. TransUnion failed to provide any verification documents and continues to report the account as accurate without conducting a reasonable reinvestigation as required under 15 U.S.C. 1681i. 

This same XXXX XXXX account has already been investigated and permanently deleted by XXXX  as inaccurate, which further confirms that the reporting is not verifiable. Despite this, TransUnion continues to report the account with unresolved factual contradictions. 

I am requesting that TransUnion conduct a proper reinvestigation, immediately correct or delete this inaccurate tradeline, and provide written confirmation of the results.

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