vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been consistently making payments on my account balance since closing my Living Spaces Card with Synchrony Bank. However, I was recently shocked to discover that {$2800.00} in deferred interest charges were applied to my account, bringing my balance back to its original amount despite my payment efforts. 

This practice feels predatory, and the lack of clear communication about these terms has caused significant financial hardship. 

I have been a paying customer and have made good faith efforts to resolve this debt. I believe this situation warrants your immediate attention and a fair 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 monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I applied for a personal loan with Lendmark Financial. I get an incessant amount of pre-authorized loan info and I already have a loan with them. 

I did some research and found complaints about them but in actuality had a pretty good experience in the past. 

I should have rethought things when I first called and found out the ppl I dealt with were gone so they had no manager. I filled out forms online and was contacted a couple of days later. I sent all required paperwork yesterday and everything was good to go when all of a sudden I was called back and told my XXXX was too high so they needed to contact their manager, but wed be all set by tomorrow at the the latest. I VERY clearly asked if there was an issue and was told they just needed manager approval. 

I called this morning because I had not heard anything and said I was taking a class nearby so I would stop in early afternoon. 

I actually realized I had more income so I went in expecting this to be handled today. I deposit some cash wages regularly on Mondays and had bank statements to back this up. I also get money every week through XXXX

First I was told to send my bank statements by email. Then XXXX (? ) shoved them in my face because he couldnt see what was clearly there. 

Then he said he couldnt use the income because it was not on their list of approved income. When I asked about the list of approved incomes it was in fact on there. Then he tried to tell me there are two types of XXXX and other things that were clearly UNTRUE. He refused to let me speak to a supervisor and said he called one and they agreed with him. 

I asked why he wasted my time and didnt say anything yesterday or even this morning and he basically said I had no right to drop by. 

I probably dodged a bullet. There was another woman there who was rude and LYING to my face as well. The woman in front was trying to help me and they were awful to her! 

No professionalism or even professional attire. I can see why everyone left and they have no manager. I do question the legality and it seems like they discriminated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I transferred {$5000.00} from my XXXX savings account to my capital one savings account. On XX/XX/XXXX the money HIT MY CAPITAL ONE ACCOUNT and my balance increased from {$19000.00} TO {$24000.00}. A few days later I deposited around {$2000.00} more which was authorized and is still there. 

Then capital one TRANSFERRED {$5000.00} BACK TO XXXX on XX/XX/XXXX but IT NEVER HIT MY XXXX SAVINGS ACCOUNT. I CALLED THEM and they told me XXXX CLAIMED NSF which is IMPOSSIBLE because the funds had already settled in my Capital One account on XX/XX/XXXX AND I HAD OVER {$11000.00} IN MY XXXX ACCOUNT at that time. NSF IS NOT A VALID EXPLANATION. 

I filed a claim with XXXX  at the beginning of XXXX. XXXX then returned {$5000.00} to my XXXX savings account. But when I checked my Capital One account, capital one took out {$5000.00} AGAIN on XX/XX/XXXX, CLAIMING XXXX REQUESTED IT. I called XXXX  and they said they never requested any transfer and that the {$5000.00} capital one took out of my account on XX/XX/XXXX is missing. 

I filed ANOTHER CLAIM. I still have not had that XXXX returned to my XXXX OR CAPITAL ONE ACCOUNT. 

TODAY, XX/XX/XXXX, I RECEIVED AN EMAIL FROM CAPITAL ONE STATING THAT XXXX REQUESTED ANOTHER {$5000.00} TO BE RETURNED. I called XXXX  and they said they never requested any such transfer and its not in the system so once again capital one is lying. At XXXX on XX/XX/XXXX i filed another claim with XXXX because this is insane and im becoming stressed. 

XXXX OF THE STORY : i am down {$10000.00} due to contradicting information and unauthorized reversals between XXXX and capital one, I believe its all capital ones account as they blame it on XXXX every single time. Well guess what atleast XXXX is responsive and trys to help me unlike cap one. 

I am requesting immediate investigation AND correction of these unauthorized withdrawals and the full return of my XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
Please delete the late payment notations and send me written confirmation once theyre removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments

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 2025-11-22 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: SC

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act because I discovered several errors on my credit reports, and I am requesting a full reinvestigation into each one. First, I need to dispute the collection accounts appearing in my file, beginning with XXXX XXXX XXXX ( XXXX * * ), reported with a balance of {$1700.00} across all three bureaus * *. Although XXXX XXXX is reporting this debt, I have never received any form of validation, no original contract, no itemized billing, no breakdown of charges, and no notice showing how the balance reached {$1700.00}. I have repeatedly tried to obtain documentation from the company, but they have never mailed me anything that meets the verification standards required by FCRA Section XXXX ( a ). The second collection account, XXXX ( XXXX, balance {$2800.00} ) * *, is even more concerning because it is missing entirely from Equifax, which raises questions about accuracy and consistency. If this debt were valid, all bureaus would report it the same way, but the fact that XXXX bureau does not report it at all suggests possible errors in assignment, ownership, or validation. Under FCRA Section XXXX ( b ), all bureaus must maintain maximum possible accuracy, and inconsistent reporting directly violates that standard. I request that both collection accounts be fully validated with complete documentation or removed if proper proof can not be produced. 
In addition, I must dispute the inquiry reported as XXXX dated XX/XX/year>, which is only appearing on XXXX bureau and not reported on XXXX of the bureaus, raising concerns about whether it was legitimate or authorized. I did not apply for credit with XXXX or XXXX XXXX on or around that date, nor did I request any service or product that would justify a hard inquiry being performed on my credit file. Under FCRA XXXX XXXX ( a ), a creditor must have a legally permissible purpose before accessing my credit, and I have received no communication, approval, or documentation indicating that I consented to this inquiry. Its inconsistent reporting is especially troubling : if the inquiry were legitimate, it should appear uniformly on all three bureaus. The fact that it appears on only one suggests a reporting error or an impermissible pull that occurred without my knowledge. I am requesting that this inquiry be verified with proper

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: SC

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act because I discovered several errors on my credit reports, and I am requesting a full reinvestigation into each one. First, I need to dispute the collection accounts appearing in my file, beginning with XXXX XXXX XXXX ( XXXX * * ), reported with a balance of {$1700.00} across all three bureaus * *. Although XXXX XXXX is reporting this debt, I have never received any form of validation, no original contract, no itemized billing, no breakdown of charges, and no notice showing how the balance reached {$1700.00}. I have repeatedly tried to obtain documentation from the company, but they have never mailed me anything that meets the verification standards required by FCRA Section XXXX ( a ). The second collection account, XXXX ( XXXX, balance {$2800.00} ) * *, is even more concerning because it is missing entirely from Equifax, which raises questions about accuracy and consistency. If this debt were valid, all bureaus would report it the same way, but the fact that XXXX bureau does not report it at all suggests possible errors in assignment, ownership, or validation. Under FCRA Section XXXX ( b ), all bureaus must maintain maximum possible accuracy, and inconsistent reporting directly violates that standard. I request that both collection accounts be fully validated with complete documentation or removed if proper proof can not be produced. 
In addition, I must dispute the inquiry reported as XXXX dated XX/XX/year>, which is only appearing on XXXX bureau and not reported on XXXX of the bureaus, raising concerns about whether it was legitimate or authorized. I did not apply for credit with XXXX or XXXX XXXX on or around that date, nor did I request any service or product that would justify a hard inquiry being performed on my credit file. Under FCRA XXXX XXXX ( a ), a creditor must have a legally permissible purpose before accessing my credit, and I have received no communication, approval, or documentation indicating that I consented to this inquiry. Its inconsistent reporting is especially troubling : if the inquiry were legitimate, it should appear uniformly on all three bureaus. The fact that it appears on only one suggests a reporting error or an impermissible pull that occurred without my knowledge. I am requesting that this inquiry be verified with proper

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 2025-11-22 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: TX

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

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 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
dispute the alleged debt of {$200.00} owed to " XXXX XXXX XXXX IN. XXXX '' Pursuant to 15 U.S.C. 1692g, I demand validation. You must provide : XXXX. Assignment Agreement : The contract between XXXX and Credit Control Services granting you authority to collect. 
XXXX. XXXX XXXX : The policy document bearing my signature. 
XXXX. XXXX XXXX XXXX : Given your firm 's data breaches in XXXX and XXXX, provide proof that my data is secure in your systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
Please delete the late payment notations and send me written confirmation once theyre 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 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DailyPay, Inc
State: CO

Complaint narrative:
Recurring issue where destinations account number is modified by the financial instituion for an XXXX next day transfer. Conducting a fraud investigation is not the correct approach to determine cause of the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX due to ongoing issues that prevented me from accessing and managing my accounts, as well as the companys refusal to provide reasonable options for resolving my balances. 
XXXX XXXX created barriers that made it effectively impossible for me to access my account information. Each time I attempted to log in or update my personal information, I was told the restrictions were for security purposes. However, when I attempted to correct my information so I could regain access, I was informed that the only way to make any changes was to contact their back office by email. No alternative verification methods or standard customer service options were offered, leaving me unable to view or manage my accounts. 
Because these barriers prevented me from obtaining the information necessary to make payments, I ultimately had no choice but to close both accounts. This directly affected my ability to pay my balances and resulted in negative impacts to my credit that could have been avoided if the company had provided reasonable access to my account information. 
When I attempted to resolve my balances and requested a settlement for both accounts, I was told that XXXX XXXX does not offer settlements under any circumstances and that the only option available was a hardship program. This lack of flexibility limits consumers ability to responsibly manage or resolve their debt and is inconsistent with common practices among other credit card issuers. 
The combination of restricted account access, lack of reasonable methods to update personal information, being forced to close my accounts, and refusal to offer standard debt-resolution options has caused financial harm and appears to reflect unfair and obstructive business practices. 
I request that the Consumer Financial Protection Bureau investigate XXXX XXXX  policies regarding account access, information updates, and settlement options, as these practices place consumers at a significant disadvantage.

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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Dear CFPB Reviewer, I am writing to file a formal dispute regarding the inaccurate and potentially unlawful reporting of the following accounts to the credit reporting agencies ( XXXX, XXXX, XXXX ). These items are negatively impacting my credit report, which is especially concerning as I am attempting to negotiate settlements with some of these original creditors, and their continued negative reporting while in a negotiating status is damaging. 
I demand a thorough investigation and correction or deletion of the disputed information as required by the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws. 

Unfair Practices & Reporting Inaccuracy. This account is reported as UNPAID in Collections. Continued reporting while negotiating settlement may violate the spirit of 15 U.S.C. 1692c ( a ) ( 2 ) ( communication with a consumer known to be represented by an attorney, if applicable ) and is subject to the verification requirements of 15 U.S.C. 1681 ( e ) ( i ).

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
CreditKarma.com will not even let me log into my own account. When I reset the password and try to login, I get redirected to blank XXXX If there is money in the Credit karma account, I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
Ive told GoodLeap roofing that Im experiencing financial hardship and that I lost my job and the company still calls multiple times a day and send multiple emails

Company response to consumer: Closed with explanation