vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: GA

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW.

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON.

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS.

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES.

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally file a complaint against U.S. Bank regarding abusive and unauthorized overdraft fees charged to my checking account, totaling {$210.00}. 

I am extremely dissatisfied with U.S. Banks services and handling of this matter. These overdraft fees were charged for a service that I did not request, authorize, or consent to. At the time I opened my account in person at a branch, I clearly stated that I did NOT wish to opt into overdraft coverage. 

Before submitting this formal complaint, I made a good-faith effort to resolve the issue directly with the bank by visiting a U.S. Bank branch . Unfortunately, I was met with misleading and inconsistent explanations. I was incorrectly told that the overdraft fees resulted from debit card purchases made at physical stores. This information is false. I did not make any such purchases, as I was fully aware that my account did not have sufficient funds at the time. 

Additionally, I was informed by bank representatives that it would not be possible to remove overdraft services from my account. This is unacceptable and directly contradicts my consumer rights, as overdraft coverage is optional and must be based on explicit customer consent. 

Due to this extremely negative experience, lack of transparency, and refusal to resolve the issue fairly, I had no alternative but to withdraw my funds and request the closure of my accounts with U.S. Bank. However, this process was only partially completed, as my savings account remains active. 

Given the circumstances described above, I formally request a full reimbursement of the overdraft fees charged to my account, totaling {$210.00}. 

I expect this matter to be reviewed seriously and resolved promptly. I am submitting this complaint after exhausting all reasonable attempts to resolve the issue directly with the bank. 

Sincerely, 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 explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am filing this complaint against Source Receivables Management for unlawful credit reporting and debt collection practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Alleged Original Creditor : XXXX Prior Collector : Credence Resource Management Current Collector : Source Receivables Management : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Balance : {$340.00} Reported as a collection account This alleged XXXX account was previously reported by Credence Resource Management and was disputed XXXX A new collector, Source Receivables Management, has now begun reporting the same alleged debt to XXXX XXXX XXXX, despite never providing lawful validation or proof of assignment. 

Source Receivables Management has failed to provide : Proof of ownership or assignment of the debt A copy of the original contract A complete payment history Any lawful validation as required by 15 U.S.C. 1692g Despite this, the company continues to report derogatory information, causing measurable credit score damage and financial harm. 

Additionally, the reporting of this account is inaccurate, incomplete, and unverifiable, in violation of : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 15 U.S.C. 1692e 15 U.S.C. 1692f I am requesting that the CFPB require Source Receivables Management to : Cease all credit reporting immediately Permanently delete the account from all consumer credit reports Provide written confirmation of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My Mother passed away XXXX. I notified the bank of her passing and didn't do anything else in regard to closing the account. I noticed in early XXXX that the account was being charged {$10.00} per month for maintenance since her balance was down to {$36.00}. I made an appointment with the bank on XXXX to close the account. I went to the branch and was completely ignored and when I spoke to the branch manager to say I had an appointment, she sharply asked what it was for. I told her to close my Mother 's account. She told me to sit down as she had to figure out who the appointment was with. There was not one customer in the branch. I waited a few minutes and told her to never mind. I came home and wrote a letter to the CEO of Truist Financial Corp ( included a copy of my Mother 's Death Certificate ) and requested the fees be refunded, the account closed and the funds sent to me. I have not heard anything from anyone at this bank and another {$10.00} has been charged bringing the balance to {$6.00}. I have worked in the banking industry for over 40 years and have never had such incompetent and unsatisfactory service ever.

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 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX - I sent the wire electronically while standing in Wells Fargo Landings branch, expecting to transfer it to my fidelity savings account. 

XX/XX/XXXX - I noticed suspicious information in the wire. I reached out to Wells Fargo AND XXXX. XXXX never received the funds, and Wells Fargo told me to " wait 10 business days '' for the funds to come back into the account. Overnight I saw my wire information change from XXXX XXXX to XXXX. It wasn't even close to the information I typed in when I wired the money. Potentially the person who helped me with the wire in Wells Fargo stole my identity. I called the fraud department to open a claim and they told me to wait 10 business days, every time I wait they keep telling me the same thing. They have made me wait far too long without any real concern. Its now been over a month. XXXX ignored their recall. 

XXXX recall was issued. The banker at Wells Fargo called XXXX and told me that XXXX received the money and just told me " wait and see if the money comes back into your account ''. 

Yesterday XX/XX/XXXX I went back and talked to the branch manager. She told me that is highly suspected to be fraud. 

Yesterday I submitted an ic3 complaint and included. 

Looking at my Wells Fargo Statement, I noticed that the Beneficiary name was my full first and last name. XXXX XXXX, and it was to XXXX. I pulled a credit report to check if my identity was stolen and I saw no XXXX account associated with my social security number.

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 2025-12-30 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
1. I got money orders of amount of total {$2800.00} from a person who purchased from the XXXX XXXX on XX/XX/year>, and I deposited into my Bank of America checking account at the same day. 
2. On XX/XX/XXXX the amount of {$2800.00} got charged back from my bank of america checking account with the check return reason of " altered/fictitious ''. 
3. On XX/XX/XXXX I contacted the person who purchased the money order and checked the status of the money order, and the XXXX XXXX stated that these money orders were cashed on XX/XX/XXXX by Bank of America. 
4. On XX/XX/XXXX I talked to Bank of America and they said the money orders were rejected due to " altered/fictitious ''. 
5. Currently I lost {$2800.00} as neither western uion Nor Bank of Amierca admitted to hold the money.

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 2025-12-30 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Years ago I disputed a collection that was added to my report that was not mine due to fraud. The collection was removed and not to be added back to my profile. Now I have started receiving emails advising that it will be added back and should not be. I have emailed the company asking for verification and validation which or different, documentation showing my wet signature and a purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I originally went through debt consolidation about 2 to 3 years ago and they had left payment in one card out which I contacted and thought it was included only to find out it was not and received knowledge by another debt collector about it so I set up a payment plan to pay off which ended in XXXX of this year. Now another agent under XXXX Resurgent has been harassing me and actually attempted to take the money out of my account XX/XX/year> I could them today seeing this action and they act like it was okay to do, I am mad enough that it wasn't taken care of to begin with consolidation, but that they are arrogant enough to try and collect again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year> I deposited {$3000.00} into a Citizens Bank ATM in XXXX XXXX, XXXX. I did the transaction into two separate deposits. When depositing money I didnt see that when I was giving money in the amount of bills allowed changed and I put in to many bills. The ATM only deposited {$2500.00} total. The money was given to me by my father and sealed in an envelope which I didnt open till that day and placed the money and was counting as I was putting in the atm. I was confused that all the money was not accounted for but it was at night so I couldnt go inside and ask for assistance. After that I immediately called and disputed a claim. On XX/XX/year> I received the {$450.00}. Then on XX/XX/XXXX they took out a miscellaneous charge of {$450.00} and the claim was now denied and a separate claim said withdrawn. I called the bank XX/XX/XXXX once I noticed and they said the claim was denied and there was no error with the atm. I said then why did I receive my money then but they said it was just credit which I had already spent since the money was for my college tuition. I was not given a letter or phone call about the decision and it was taken out of my account almost 2 months later with barely any information. I thought when I received the {$450.00} the claim was over so I got rid of the original deposit slip. I briefly remembered getting a letter in the mail back during XXXX that the claim was good but I cant find it since it may still be at college and I am home for the holidays. There was also no emails giving any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit
State: WA

Complaint narrative:
My auto loan was transferred to this company approximately three months ago. Since the transfer, I have made repeated attempts to communicate regarding my account and payment timing. 

I formally requested email communication after unprofessional phone interactions, but the company has continued to call while failing to respond to my emails. I have never been informed that email communication is unavailable or prohibited. 

I have sent multiple emails over several months providing advance notice of payment timing and requesting clarification of my account. Those emails have gone unanswered, while automated notices stating that immediate action is required continue to be sent. 

I have made payments and am actively attempting to remain compliant, but the companys failure to acknowledge or respond to written communication makes it impossible to verify payment arrangements or account accuracy. I am concerned about improper servicing, inaccurate records, or adverse action despite my good-faith efforts. 

I am requesting written acknowledgment of my communications, confirmation that my payment plan is documented, and reasonable written communication going forward.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a debit card purchase of {$34.00} with an online merchant called XXXX ( a Shopify-based store ). The item has never been delivered. 

The merchant provided a tracking number : XXXX, that shows no carrier acceptance, no movement, and no delivery confirmation. There is no proof the item was ever shipped. 

I contacted the merchant, who refused to issue a refund. I contacted Discover to dispute the charge, and Discover refused to investigate. 

This is not a quality or satisfaction dispute. This is a merchant failure to complete the transaction and failure to provide proof of shipment or delivery. 

I am requesting that Discover properly investigate this transaction and provide appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NY

Complaint narrative:
XXXX Account # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleas provide 'Certified Mail ' with receipt displaying my signature. If not, please delete a # XXXX as soon as possible from my report or i will have to take legal action.

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 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXXI received a debt collection notice from a company called XXXX  out of XXXX, TN. amount XXXXI called them to find out what it is for. They said ambulance services. I told them I have never been in an ambulance before. I said, is it for E.R. and looks like ambulance? They said no, it is an ambulance ride to hospital in XXXXXXXX XXXX. I said well that is not for me because I have not ever been in an ambulance. I asked what address they are saying they picked me up at? They gave an address of XXXX XXXX XXXX. I asked what city and state. They said they didn\'t know. I XXXX  it and the only address that comes up is out of XXXX Montana. I told the guy on customer service line that I am from Montana, but haven\'t lived there in XXXX XXXX  years. I said and I also never lived in XXXX. I lived over 4 hours away. He was putting in a dispute on his end. He told me to call the ambulance service and dispute it too. \nI called XXXX XXXX XXXX and explained it again for a dispute there. Then I went online to their "contact us" page and did the same. They keep calling me daily saying that it is my bill and that the address is connected to an address that I have not lived at since maybe XXXX  in XXXX XXXX  MT. \nAlso, the name the bill is under I have not had since XXXX  when I was getting divorced. The bill is under XXXX XXXX and I have used XXXX XXXX  since XXXX! Somehow this person who put this debt under me also knows my birthday and ss#.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
TSIXXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TSIXXXX 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 explanation