vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I am filing a complaint regarding repeated overdraft fees charged by Zions Bank despite having available funds in a linked savings account at the same institution. 

In XXXX  alone, I was charged {$690.00} in overdraft fees across 24 separate fees. These overdrafts were not the result of reckless spending, but rather transaction timing. Funds were available in my Zions Bank savings account, and I transferred money as soon as I noticed the checking balance was negative. However, overdraft fees were applied before transfers could post. 

These fees have created a cycle of financial harm. If the overdraft fees were refunded, my account would be positive. Instead, the fees themselves are what keep my account overdrafted. 

I contacted Zions Bank directly and was told they could only refund one overdraft fee. This is inconsistent with prior refunds I have received and does not reflect the full scope of the issue. I was also told that their system is unable to link my savings account at the same institution as an overdraft buffer when their website specifically offers that as an option. 

I am experiencing financial hardship, and these fees are materially impacting my ability to remain solvent.

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several items of inaccurate and incomplete information appearing on my consumer credit report regarding a XXXX XXXX XXXX XXXX account ( Account # ending in XXXX XXXX XXXX XXXX starting with XXXX, described as a home improvement loan ). This account is reported differently and inconsistently when compared to how the same furnisher reports it to other consumer reporting agencies, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to sections requiring maximum possible accuracy ( 1681e ( b ) ) and complete reporting.

Specifically, the following entries are inaccurate or incomplete : High Balance reported as {$30000.00} ( materially inconsistent with reporting to other agencies showing {$0.00} ). 
Date of Last Activity and/or Last Verified as XX/XX/XXXX ( inconsistent with other agencies showing activity in XXXX ). 
Creditor Remarks stating " Charged off as bad debt. Dispute resolved, customer disagrees '' ( conflicting narrative compared to other agencies ). 
Last Payment Date as XX/XX/XXXX ( inconsistent with other reporting ). 
These discrepancies create a misleading and incomplete portrait of my credit history, as the same account from the same furnisher should be reported uniformly across all consumer reporting agencies. Such inconsistencies render the information unverifiable and violate your obligations to maintain reasonable procedures for maximum possible accuracy.

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 2025-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

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 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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I spoke with them in regard to my credit card debt which Ive been paying {$70.00} consistently each week for the past year. I recently lost my job and havent been able to make the payments. They continuously call me every day. Sometimes even 3 calls a day from different numbers and they leave voicemails every time. Ive already explained my situation to them and thought they would be understanding but they continue to harrass me with these phone calls. They also tried to contact me last month in regard to another family members debt. Its not right that I block one number and they call me from another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: 1st Franklin Financial Corporation
State: VA

Complaint narrative:
Somebody named XXXX XXXX XXXX XXXX XXXX at XXXX emailed me threatening me about my Claim # XXXX Appeal Request I submitted with First Franklin Financial after XXXX XXXX of which filed a claim for XXXX so that my payments can get paid while on medical leave. I XXXX XXXX XXXX XXXX  on XX/XX/year>. And had the coverage to get my bills paid but they have been reporting on my credit report without payment late and the records provided by my office and claim were reported correctly that Im am the registered agent for my company and we asked that emails and phone calls and mail be directly provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The details of processing all my proof of the fraud which does not aligne with the time frame and or the amount stolen along with my identity. Filing the claim with Equifax has seem to have taken on a road to nowhere. The millions which has been settled in this data Breach which I am a victim of only leaves me choice but to take Legal action against Equifax due the way they handled my claim. Furthermore I was told by Administration and call center agents I would not given any other details of the my claim was processed and it's for my protection. Lastly I would just like to have a fair shake for on my claim and hopefully come to a reasonable resolution for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-18 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I am applying for Public Service Loan Forgiveness. Although I have been in repayment for many years with the same employer, there are 9 months that have disappeared from my payment tracker on the FSA website. There is no data ( no payments, no ineligible payment, no forbearance payments ) for the months XX/XX/XXXX until XX/XX/XXXX. I have confirmed with Mohela that I have been in active repayment during this time, and I have also submitted Employer Verification Forms. 

In XXXX of XXXX, I have submitted a reconsideration request ( after months of discussions with FSA telling me to be patient and the payment counts were loading at various times ). I have not heard back yet 6 months later, and I am due to hit my 120 payment this month. 

I have also submitted a Feedback Case in XXXX, and again 2 weeks ago. I have not heard back. 

This is unacceptable communication with a borrower who is due for forgiveness. I can not even apply for forgiveness they say because my account doesn't read " 120 payments '', nor will they respond about the error on my account that has removed 9 months of payments. I am going in circles calling Mohela and FSA, and no one knows what is going on. 

Thank you for all your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/year>, a {$170.00} charge from XXXX was posted to my bank account without my authorization. I was at home when this purchase occurred and did not make or approve it. This charge caused my account to go negative, leaving a balance of - {$170.00}. 

I filed a fraud claim with my bank on XX/XX/XXXX, and the charge was initially reversed. However, on XX/XX/XXXX, the bank reversed the correction, stating that XXXX provided proof that I made the purchase. I contacted XXXX directly on three separate occasions and spoke with three different representatives. Each confirmed that they can not find any purchase under my name, account, or card, and that there is no record of a ticket matching this charge. 

I requested that my bank reopen the fraud claim, but was informed that the dispute could not be reopened because it was marked as resolved. I was instructed to contact XXXX directly for a refund. When I contacted XXXX, they stated they can not issue a refund for a purchase they can not locate, as there is no record of this transaction under my account. Although my bank claims XXXX provided sufficient evidence, the bank has not provided this evidence to me and refuses to disclose it over the phone. I have recordings of my calls with XXXX confirming that they can not locate the transaction. 

This situation has caused financial harm and remains unresolved. I am requesting that the CFPB investigate this unauthorized charge, require a proper review of the dispute, and ensure I receive a full refund of {$170.00}.

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 2025-12-18 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: NC

Complaint narrative:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge. 
I have never authorized or managed these accounts, making this situation entirely unacceptable. 
It introduces inaccurate and misleading information into my financial history. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

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 2025-12-18 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items appearing on my credit report, as they are inaccurate and incomplete. Please find the details of the accounts in question, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/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 2025-12-18 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: NC

Complaint narrative:
I am writing to dispute inaccurate and incomplete information on my credit report for the accounts listed below. These accounts are reported as charged-off, and I believe there are errors or discrepancies that require correction. Please review the following information for each bureau. 

CHARGED OFF ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$980.00XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00}

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