vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the EDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 
XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Amount : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Please treat this letter as my formal dispute of the accounts noted. I did not approve or open them and have no connection to them. I request their deletion and an appropriate investigation. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
My mother sent checks through her bank to pay off my loan with Speedy Cash back in XXXX. Check was cleared on XX/XX/XXXX, today is XX/XX/XXXX and nothing has been updated on my account. Showing I still have pending payments with them and account accumulating interests. I have talked to several people in between these two months to which none have been helpful, just stating they can not find my account or transferring me for hours until someone hangs up. When I email them, same issue, all they say is they will make notes on my account. Last time I was able to get a hold of someone, they started an internal investigation to which they did not reach back at the promised timeline. I called back again and was assured the check was " found '' and it will take some time to be placed into my account and they would waive all fees accumulated. It's been XXXX more weeks and nothing still

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
At the bank with representative a claim was made about capital one 360 I reach out to the XXXX settlement lawsuit office I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have already made dispute with Chase bank regarding a credit card opened XXXX. The fraud dispute was made and in XX/XX/XXXX I checked my credit with all XXXX credit bureaus and it was deleted off my credit. I checked again in XXXX and it was added back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This complaint concerns a NEW issue that occurred AFTER my prior complaint was closed, and it is NOT a duplicate. 

USAA has now opened multiple Regulation E disputes under new dispute IDs without my consent to evade correcting the original investigation error they admitted to. 

In their most recent written response dated XX/XX/year> USAA stated that they reopened the dispute and required additional documentation. I did NOT authorize a new dispute investigation, and a bank is not allowed to initiate a new Reg E investigation under a new dispute ID without the consumers consent. 

USAA already possessed all required information because I provided it in writing during the original claim, including the correct posting date, the contradictory closure letter, and a detailed explanation. Despite this, they repeatedly reset the investigation clock, issued new temporary credits, reversed those credits based on lack of information, and created multiple false records claiming I did not cooperateeven though the information was already in their possession. 

Their latest written response upholds a determination based entirely on an unauthorized dispute ID, a reset timeline, and a false lack of information claim. They again failed to address the original error they admittedentering the WRONG POSTING DATEand continued to create new legal dispute processes in my name without authorization. 

This is now a repeat-pattern failure under Regulation E and constitutes an unreasonable investigation under 12 CFR 1005.11, as well as a UDAAP violation ( unfair, deceptive, and abusive acts and practices ).

I am requesting supervisory review because USAA is using unauthorized dispute IDs and timeline resets as a systemic evasion tactic to avoid correcting an admitted investigation 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 explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. 

JPMCB Card Acct # XXXX. Acct XXXX {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Synovus Bank
State: GA

Complaint narrative:
A XXXX payment of XX/XX/year> in the amount of {$500.00} from my father to me was arbitrarily rejected by Synovus bank, when similar prior XXXX payments from my father to me, namely {$250.00} on XX/XX/year> and {$250.00} on XX/XX/year> were correctly deposited to my checking account at Synovus bank. Consumers make decisions based on anticipated financial transactions making it important that financial institutions follow given procedures when processing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent a check for XXXX. Check number XXXX I notice that it hasn't been processed so I emailed them and then called them to put a dispute. I was ask to send copy of the check I sent. I try email the information but website not working called them and they tell me to send it by mail. I do it. Then I called again to ask if I put a stop in the check and they say no. Then I received an email that they haven't received anything and that dispute was closed but I can send by mail everything again. 
I been going back and forth and no help. The last time I spoke to someone they ask me to do minimum payment until everything was resolved. But nothing has been resolved. I been a good customer. This was a bigger amount so to be safe I sent a check. Sent everything again by mail. Until now nothing. It's been since XXXX I sent payment XXXX I called now XXXX and nothing. Where is the mail. How is the check and everything I been sending lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I attempted to open a new Wells Fargo checking account online in order to receive a promotional bonus. During the online application, I entered the promotional code, but the system instructed me to visit a branch to complete the process. 

I went to a Wells Fargo branch in person and provided the banker with the promotional code. The banker confirmed that the code was properly applied and that I qualified for the promotional checking account bonus. 

However, more than six months have passed and I still have not received the bonus. 

Steps I took to resolve the issue I contacted Wells Fargo to ask why the bonus had not been credited. I was told that the promotional code was never applied to my account, contradicting what the branch banker told me at account opening. Wells Fargo provided me with this case number : XXXX. 

Wells Fargo has not resolved the issue or honored the promotion despite my meeting the requirements and receiving confirmation at the branch.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
They call me all hours of the night and day many different numbers asked them to stop calling and they just use different numbers XXXX hours later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
You have declared a previous complaint closed. How can this be the case when the Company has not fixed the issue?

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to correct my credit. I am requesting a full investigation into the items below. The reporting appears inaccurate and incomplete, and I am asking for proper verification under the FCRA. 

Charged Off Accounts in Dispute XXXX XXXX XXXX, Account : XXXX, Date Opened : XX/XX/year>, Balance : XXXX I believe this reporting is inaccurate and request a full investigation and validation. 

Late Payments in Dispute XXXX, Account : XXXX This late payment appears inaccurate and I request verification or deletion.

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 2025-12-02 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 reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management XXXX XXXX party a charged off account XX/XX/XXXX was brought by debt collector XX/XX/XXXX has not proven ownership of a securitized debt or bill of sale in accordance with FCRA US code 1562g. The company mailing address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX or XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : midlandcredit.com Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: DigniFi
State: PA

Complaint narrative:
This loan is an act of fraud. Please provide a copy of the bill of sale showing a product that was purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : XX/XX/year> Re : Dispute of Inaccurate Information - 15 U.S.C. 1681i To Whom It May Concern : I have reviewed my Experian credit report ( Date generated : XX/XX/year> ) and found information that is inaccurate. Pursuant to the FCRA, I am requesting an immediate reinvestigation of the following trade lines : XXXXXXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Reason : You are reporting late payments for XXXX, XXXX, XXXX, and XXXX XXXX. I dispute these late statuses. Please verify these payments with the creditor. 

XXXXXXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Reason : This account is listed as a collection/closed account with a balance of {$2200.00}. I dispute this balance and the status of this account. 

XXXX. XXXX XXXX XXXX  ( Account XXXX XXXX XXXXXXXX ) Reason : This collection account for {$5400.00} is inaccurate. I request full validation of this debt, including the original creditor 's details and the date of first delinquency. 

XXXX. XXXX  XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) Reason : I dispute this collection account. I request verification of the debt amount and the opening date. 

XXXX XXXX XXXX XXXX  ( Account XXXX XXXX XXXXXXXX ) Reason : This collection for {$480.00} is disputed. Please verify that this agency has the legal authority to report this debt. 

If you can not verify these items with the furnishers within the time frame mandated by law, they must be removed from my file. 

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank : Bank of America Product : Credit Card / Debit Card Issue : Dispute Handling Improper Denial I am filing this complaint because Bank of America improperly denied my dispute twice despite overwhelming evidence of fraud, damaged merchandise, and services not rendered. The merchants statements were false, and Bank of America failed to review the evidence I provided. 

On XX/XX/year>, I faxed an XXXX evidence packet to the Bank of America Disputes Department , containing : Full text messages with the merchant Photos showing the tiny home intact before purchase This fax was successfully delivered and confirmed by the fax receipt. 

On XX/XX/year>, I emailed over : Photos/video of the tiny home destroyed during delivery Witness statements Video stills showing the delivery crew dropping the unit Payment receipts Timeline of events Proof of city involvement, civil suit filed and policy report The merchant damaged the prefabricated home during delivery on XX/XX/XXXX and XX/XX/year>. Video evidence shows the installation crew dropping the home while attempting to put it down, causing immediate structural damage. XXXX neighbors witnessed the incident and provided written statements confirming the damage occurred on-site during delivery, not prior. 

After damaging the unit, the delivery crew abandoned it on city soil in front of my property, creating a public safety hazard. XXXX XXXX XXXX XXXXXXXX has since opened an investigation. A police report has also been filed, and I have opened a civil lawsuit against the merchant. 

I can not access the unit because the keys were never left or given to me. It remains damaged, unsafe, unusable, and not installed. The merchant did not deliver the product or perform the services promised. 

Despite all of this, Bank of America denied my dispute twice and failed to review or consider the evidence that was already in their possession. The merchant responded with false information, and Bank of America accepted it without verifying my documented proof. 

I am requesting that the CFPB review this matter and require Bank of America to : 1. Conduct a proper investigation 2. Reopen the dispute 3. Assign the case to an executive-level dispute specialist 4. Reverse the improper denial and issue a refund for the {$2600.00} ( delivery & installation and {$25000.00} ( purchase of the unit ) charge.

Bank of Americas handling of this dispute has been negligent and unfair. I have provided more than enough evidence to prove that the merchant damaged the product, failed to deliver the service, and misrepresented the situation. I am requesting immediate assistance in resolving this matter. 

Requested Resolution : Reopen the dispute, issue a refund, and ensure proper review of all evidence submitted on via fax, email and in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
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