vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
CFPB Feedback - Response to Discover Bank I strongly disagree with Discover Bank 's response and their claim that proper procedures were followed. While the wire transfers were technically " authorized, '' Discover failed to fulfill their duty to detect and respond to obvious signs of fraud and suspicious activity. 
Key Failures : 1. No Fraud Detection or Intervention : Ten high-value wire transfers were initiated within a short time frame, many to unfamiliar overseas banks for an " investment. '' This is a classic scam pattern under anti-money laundering ( AML ) guidelines. Other banks often block or investigate such transactions before releasing funds. Discover did not flag or question these transfers beyond routine identity verification.

I lost wire transfers totaling over {$410000.00}. I reported suspicions and disputed the transfers.

2. Failure to Provide Requested Evidence : Discover refuses to release call recordings or full documentation of the wire process to me, even though these are central to my case and should be reviewable by me or my legal representative. Their claim of " proprietary '' information is unreasonable when it concerns my account and could assist law enforcement.

3. Inadequate Consumer Protection Explanation : While Regulation E may not cover authorized wires, banks still have obligations under the Bank Secrecy Act ( BSA ) and must file Suspicious Activity Reports ( SARs ) when transactions indicate possible fraud. Discover has not confirmed whether SARs were filed or whether internal fraud prevention protocols were applied.

4. Late Response to Fraud Concerns : Once I reported suspicion on XX/XX/year>, Discover initiated recalls but did not pursue urgent escalation to maximize recovery chances. They have also not updated me on the status of recovery efforts or the investigation, or whether further follow-up was made with the receiving banks. 
Impact : This series of wires totaled hundreds of thousands of dollars and followed a pattern consistent with known scam activity. Discover 's failure to act on red flags, especially for high-value international transfers, contributed directly to the loss of these funds and caused severe personal hardship, including facing homelessness. 
Requested Action : ( THE REST CONTINUE ON FAIR RESOLUTION )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support my claim.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a Capital One XXXX XXXX credit card holder. XXXX of the main benefits of this card is a {$300.00} annual travel credit, which is supposed to be applied toward eligible travel purchases booked through Capital One XXXX. My most recent {$300.00} travel credit expired on XX/XX/year> without being used due to unforeseen circumstances, It is first year I used Capital One credit card, I dont even know I have expired {$300.00} travel credit, otherwise I will use it to purchase the air tickets in XXXX ) I contacted Capital One customer service multiple times, including speaking to a supervisor, requesting a one-time courtesy reinstatement or any alternative goodwill adjustment. My request was denied each time. I have been a loyal customer and pay my annual fee on time. 

While I understand the terms state the credit must be used before the expiration date, I believe Capital One could have shown flexibility in this situation, especially given that the benefit is a core reason for paying the {$390.00} annual fee. Without the credit, the cards value to me is significantly reduced. 

I am requesting the CFPBs assistance in having Capital One either : 1. Reinstate the {$300.00} travel credit ( full or partial ), or 2. Provide an equivalent alternative, such as a statement credit or bonus miles, as a retention gesture.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I got the promotion for Apple card which will be provided by Goldman Sachs. The Goldman Sachs will be sending the free Apple card. 
I was not able to use the Apple card as I had XXXX  phone and I was not able to request the physical card using the Apple XXXX. The physical card can only be ordered from XXXX XXXX. The Agent refused to provide me with the complaint number for the issue. 
I had to talk to the supervisor in order to get the complaint number. Below are the details of the supervisor and complaint number for the request. 

Complaint Number : XXXX. 

Supervisor Name : XXXX. Apple Card Supervisor with Goldman Sach Bank. 

Call Center : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I paid my Capital One Platinum in the amount of {$270.00}. Also, on XX/XX/year>, I paid my Capital One Venture in the amount of {$23.00} and they held both payments for twenty-six days, Both payments were cleared at my bank account without any problem. At the Capital One site they say that they can hold any payment from three to nine days. I offered to make a conference call with my bank to prove that funds were available and used to fulfill both payments, but Capital One refused to speak with my bank, and going ahead with witholding my payments. I never had a returned payment to justify any type of holding, specially for over the limit of their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received a gift card from American Express from a client of mine as a XXXX present. It had a balance of {$1500.00}. American Express approved XXXX {$700.00} charges which totaled {$1400.00}. I disputed the same but they have told me that they rejected my dispute. I did not authorize the use of the card. I own the card and I did not have any product from that company.

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

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } LawsuiXXXX Reference This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case 8:25-cv-00024 ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-13 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: GA

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 explanation
Consumer complaint received 2025-08-13 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: NV

Complaint narrative:
I am filing this complaint against Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2 ( a ) ( 1 ) ( A ), due to the continued reporting of false late payment entries on my credit file for the account XXXX XXXX XXXX XXXX , with late dates reported as XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. These late payment notations are entirely inaccurate, as my recordsand even Experians own credit reportshow numerous Paid on Time months that directly contradict the alleged delinquencies. This false data is the result of the furnishers internal posting and transmission errors, not from any actual failure on my part to make timely payments. Despite clear evidence, Experian has continued to report this false information, violating FCRA 1681i by failing to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable data, and FCRA 1681s-2 ( a ) ( 1 ) ( A ) by allowing a furnisher to report information they know, or should know, is false. I have formally demanded that Experian permanently delete all inaccurate late payment entries, provide the name, contact information, and credentials of the person who verified these lates, disclose the exact verification method used including logs or reviewed documents, and supply full copies of any records supporting the claim that my payments were late. The attached credit report screenshots prove the account is marked Closed / Paid in Full with a {$0.00} balance, payment history showing multiple on-time payments, and an overall status of Good Standing with Agreed Terms, which directly undermines the accuracy of the reported lates. This inaccurate reporting has caused significant damage to my creditworthiness, hindered my ability to secure favorable credit terms, and inflicted emotional distress. I am requesting that the CFPB require Experian to immediately and permanently remove all false late payment entries for this account and hold them accountable for willful and negligent violations of the FCRA, including statutory damages under 1681n and 1681o. If this matter is not corrected promptly, I will have no choice but to pursue all legal remedies available to 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear MIDLAND CREDIT MANAGEMENT, I am in receipt of your response regarding the alleged account you are attempting to collect. However, your reply is insufficient to satisfy the verification requirements as outlined by federal law. Under 15 U.S. Code 1692g ( b ) ( FDCPA - Fair Debt Collection Practices Act ), upon my request for validation, you are obligated to cease collection activities until you provide proper validation. Proper validation must include, but is not limited to : 1.A full copy of the original signed contract or agreement bearing my signature. 2.Complete itemization of the alleged debt ( principal, interest, fees, and any other charges ). 3.Documentation that proves your legal authority to collect on this alleged debt. 4.The name and address of the original creditor, along with proof of assignment or transfer of the debt if applicable. Simply stating that the account exists or that you mailed a verification without providing detailed supporting documentation does not satisfy your legal obligations. Additionally, please note : You are prohibited from reporting or continuing to report inaccurate, incomplete, or unverified information to the credit bureaus under 15 U.S. Code 1692e ( 8 ) and 15 U.S. Code 1681s-2 ( b ) ( FCRA ). If the information you report is disputed and you fail to provide complete verification, you must delete the tradeline immediately. I respectfully demand that you : 1.Immediately cease all collection activities, including reporting to any consumer reporting agencies until proper verification is provided. 2.Provide the complete verification as outlined above within 15 days of receipt of this notice. 3.Remove any tradelines associated with this account from all credit bureaus if you are unable to fully validate and verify this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated and willful failure to remove fraudulent inquiries and inaccurate personal information from my credit reports, despite my full compliance with the Fair Credit Reporting Act ( FCRA ).

This is the sixth month in a row that I have attempted to resolve this matter directly with the bureaus. Each time, I have submitted all documentation required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including : Identity theft affidavit Police report Drivers license Social Security card Proof of current address Under 15 U.S.C. 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( 6 ), the bureaus are required to block and delete identity theft-related information within four ( 4 ) business days of receiving proper documentation. They have not done so.

The fraudulent and inaccurate information I have been disputing includes : Incorrect Personal Information : Previous address : XXXX Lake XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/scrub>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 XXXXXX/XX/year> I have personally submitted every dispute myself, as clearly stated in each letter I have sent for the past several months, yet the bureaus continue to falsely claim that an unauthorized third party was involved. This is untrue, misleading, and appears to be an attempt to avoid compliance. 

The bureaus have : Ignored my prior disputes and documentation. 

Continued to report fraudulent and inaccurate information to third parties.

Failed to remove or block the disputed items as required by law.

Refused to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

This ongoing refusal to correct my file is causing continued harm to my creditworthiness and financial standing. I am requesting that the CFPB take enforcement action to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Company : XXXX XXXX Dates : open XXXX XXXX now its closed XX/XX/year> Account number : XXXX Address : XXXX XXXX XXXX XXXX TX XXXX I am writing in regard to your attempts to collect the alleged debt referenced in your communications. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby request that you cease all further communication with me regarding this debt, except as permitted by law.

Specifically, you may only contact me for the following purposes : 1. To advise me that your further efforts to collect the debt are being terminated ; 2. To notify me that you may invoke specified remedies which are ordinarily invoked by you or your company ; or 3. To notify me that you intend to invoke a specified remedy. 

Please also note that this letter is not an acknowledgment of the validity of the alleged debt. I request that you provide no further contact by telephone, mail, email, or any other means except as outlined above.

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