vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
Complaint Details : I am filing a formal complaint against the above-listed credit reporting agency for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically the requirement to complete a dispute investigation within 30 days ( or 45 days if additional information is provided ). 
On XX/XX/year>, I submitted a formal credit report dispute regarding inaccurate information on my credit file. As of today, my dispute status still shows " in progress, '' and I have not received an investigation result or formal conclusion. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, credit reporting agencies are required to : Complete an investigation within 30 days of receiving a dispute Provide written results within XXXX ( XXXX ) days of completing the investigation Remove any inaccurate, incomplete, or unverifiable information I did not submit any additional information that would justify an extension to 45 days. Therefore, the continued delay appears to be a direct violation of federal law. 
This prolonged delay has caused potential harm to my credit standing and financial opportunities. 
I am requesting the following resolution : 1. Immediate completion of the investigation 2. Written results of the investigation sent to me 3. Rrmoval of any unverifiable or inaccurate information 4. Confirmation that my rights under the FCRA have been respected moving forward Please investigate this matter and require the company to comply with federal consumer protection laws. 
Thank you for your time and assistance. 
Sincerely,

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have an account with XXXX. I reported several deductions from my checking account. I'm a senior citizen on a fixed income and I live alone. I notified XXXX and I was told to contact my bank. Wells Fargo denied to claim. The card ending with XXXX was charged twice XXXX different months. XXXX told me they couldn't tell me who had the second account. I had that card canceled and ordered a new card.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed an incorrect high balance reported by Capital One on my credit report. I paid my balance in full before the statement closing date, but Capital One delayed processing the payment and reported a higher balance. This caused a significant and unfair drop in my credit score. 

I submitted a dispute through the credit bureaus, but Capital One verified the incorrect information instead of acknowledging their processing delay. Their investigation did not fix the error. 

I am requesting that Capital One conduct a proper reinvestigation and re-report the correct balance for the billing cycle in question. I am also requesting documentation showing how they determined the reported balance, including the timestamps of my payment posting. 

This inaccurate reporting is harming my credit, and I need it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX RE : Formal Dispute of Debt & Request for Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter serves as my formal notice that I dispute this debt in its entirety, as permitted under the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692g, I request that you provide proper validation of the alleged debt, including but not limited to : 1.The name and address of the original creditor 2.A full itemized breakdown of the amount you claim I owe, including principal, interest, fees, and payments 3.A copy of the original signed contract or agreement bearing my signature 4.Proof that your agency has the legal right to collect this debt 5.A copy of the judgment, if applicable 6.The date of last activity and proof the debt is not time-barred Until you provide the above documentation : You must cease all collection efforts, including phone calls and written communications You may not report this alleged debt to credit reporting agencies If already reported, you must mark the account as disputed Please be advised that any continued collection activity without first providing proper validation is a violation of federal law. 

If you can not provide the requested documentation, you must immediately cease collection activity and remove any negative reporting related to this account. 

I request all future communication be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Combined Dispute Package XXXX Credit Bureau Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I dispute the following items as inaccurate and unverifiable. 
XXXX XXXX XXXX {$1300.00} Portfolio Recovery {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove outdated addresses, phone numbers , and XXXX. 
Remove ALL hard inquiries. 
XXXX. XXXX Validation Letter Request for validation of alleged {$1300.00} debt under FDCPA 1692g. 
XXXX. Portfolio Recovery Validation Letter Request for validation of alleged {$860.00} debt under FDCPA 1692g. 
XXXX. Follow-Up Letter Demand for reinvestigation under FCRA 1681i. 
XXXX. Address Labels XXXX XXXX XXXX XXXX, PRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 filing this complaint because there are several accounts, inquiries, and late payment entries on my credit reports that I believe are inaccurate, incomplete, or not properly verified. I am requesting that each credit bureau conduct a full, lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ) and correct or remove any unverifiable information. 
Charged-Off Accounts I dispute the accuracy and reporting of the following accounts. I request that Equifax provide proper documentation and verification for all dates, balances, account ownership, and charge-off status : 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  {$2700.00} If Equifax can not provide verified documentation for each account, I request immediate correction or deletion.

Inquiries No inquiries listed for Equifax. 
I request confirmation that no unauthorized inquiries appear on my Equifax report. 

Late Payments I dispute late payment reporting on the following accounts, which I believe are inaccurate or unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request verification and removal of any inaccurate or unvalidated late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: FL

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 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 2025-12-01 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: FL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect 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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Hello. I signed up and received a Barclays XXXX XXXX Credit Card and made my first purchase XX/XX/year>. According to their terms and conditions : " You will earn Instant Elite Gold Status ( Elite Gold ) after your first purchase posts to your account, less credits, returns and adjustments ( Net Purchases ) with a transaction date within the first XXXX  days of new Card Account opening. XXXX XXXX will be awarded XXXX business days after the first XXXX XXXX posts. In order to maintain Elite Gold for XXXX  months from Card Account open date, you must also spend XXXX XXXX dollars ( {$3000.00} ) in Net Purchases with transaction dates in the first XXXX days of new Card Account opening. '' I have not only made a purchase, but I have also spent well over {$3000.00} at this point using the credit card. However, I have not received my promised gold status. 

I made multiple calls. First to XXXX, which told me to contact Barclays. Barclays then told me they can't do it on their end and to call XXXX. XXXX then told me they can't do anything about it since it's " system generated ''. That makes no sense to me- I have had the card for over XXXX  months now, when the terms and conditions of the card states I should receive Elite Gold after XXXX DAYS after the first purchase. That final call happened on XX/XX/scrub>XXXX 

After looking online, looks like people had the same issue and they did nothing about it. People said that the only thing that got the issue resolved is my filing a complaint through CFPB, which is the action I am taking now. 

For reference, my 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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am requesting urgent assistance in recovering funds associated with a cashiers check issued by BMO for {$14000.00}, which I originally deposited into my XXXX XXXX account. I received a legitimate BMO cashiers check, which represented the remaining balance of my BMO account before closure. I deposited this cashiers check into my XXXX XXXX account. XXXX XXXX later closed my account and sent me a letter stating that the balance would be mailed to me. I never received the funds. After escalation with the Office of the Comptroller of the Currency ( OCC ), XXXX agent informed that I should contact the sender, which strongly suggests that XXXX XXXX may have returned the funds to BMO instead of mailing them 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 2025-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filling this report because I am victim of credit card fraud and I did not authorize this account. Bank of America open date XX/XX/year>, {$14000.00},

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A check was issued to me on XX/XX/year> for {$910.00} from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for a reimbursement for a work trip. The check was intercepted by someone I do not know and was able to be mobile deposited to Chase Bank without any form of secondary verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or incomplete. Below are the details of the accounts in dispute, separated by 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

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 2025-12-01 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: IN

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies ( Experian, Equifax, and TransUnion ) and several furnishers continue to report inaccurate, incomplete, inconsistent, or unverifiable information on my credit reports. I have submitted written disputes, but the information has not been corrected, updated, or verified as required by 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
in the middle of XXXX i deposit money on my checking account. same day someone start stealing money with small amount like XXXX, XXXX, XXXX, XXXX ... at this time i was spending money in groceries, stores, XXXX  ... once i realize that money gone imediatellt i call capital one they help me to file claim on posted transactions and told me to call back once another transactions will be posted. of course i call them back once it was posted and file another claim also i explain them that i have same situation in another banks. told them that i was loosing almost XXXX total. they told me that i have to receive temporary credit and in max 90 days investigation will be finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX I am XXXX  and receive my XXXX  benefits monthly. I bought groceries from XXXX for delivery on XXXX XXXX. I ordered {$270.00} worth of groceries. My groceries were delivered to somewhere else. My address is XXXX XXXX XXXX XXXX Tx XXXX. My groceries were delivered somewhere else. I called XXXX and they have been giving me the run around to get my refund. Ive called XXXX several times and will call the, today on XX/XX/year>. I filed a claim from capital one as I was told by a XXXX employee that I should call my bank. I want a full refund if this transaction. I do not have the money and shouldnt have to chase around companies who make billions of dollars to get a refund of {$270.00}. This is wrong I need an immediate refund of what I was charged and did not receive. The same day I received another wrongly delivered item with which XXXX refunded me {$15.00}.

Company response to consumer: Closed with explanation