vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The original XXXX account was sold by Comenity Capital Bank to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX confirmed in their written response dated XX/XX/year>, that they acquired the XXXX account and have since terminated all collection efforts and notified the credit bureaus to delete their tradeline. 

Despite this, the original creditor ( Comenity Capital Bank ) is still reporting the XXXX account as a charge-off with a past-due balance on my credit report. This reporting is inaccurate and misleading because Comenity no longer owns, services, or collects this debt. 

I have attached XXXXXXXX XXXX written statement as proof that the account was sold and that the collection has already been deleted from my credit file. I am requesting that Comenity Capital Bank update or remove the tradeline to reflect that the account was sold and now has a {$0.00} balance, in compliance with FCRA 607 ( b ) and 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint against Santander Consumer USA and XXXX XXXX XXXX for an invalid vehicle financing contract related to a XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ). 

The dealership submitted fraudulent documentation and misrepresented the loan. I request CFPB investigation into unfair, deceptive, or abusive acts or practices ( UDAAP ) under the DoddFrank Act, 12 U.S.C. 55315536, and coordination with California regulators.

Please ensure immediate correction and removal of all negative credit reporting linked to this invalid transaction.

Under the California Civil Code 1689 ( b ) ( 1 ) and 1691, a consumer may rescind a contract obtained through fraud, misrepresentation, or unlawful conduct and is entitled to restitution of all amounts paid.

Pursuant to the Rees-Levering Motor Vehicle Sales and Finance Act ( Cal. Civ. Code 29812984 ), the buyer is entitled to : Return of all payments made on an invalid or rescinded contract ( XXXX ) ; Reimbursement of repossession costs and recovery of the vehicle if the repossession violated XXXX ; Attorneys fees and costs ; Statutory and punitive damages if the lender or dealer acted willfully or fraudulently ( XXXX ). 

Federal law under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and California Civil Code 1785.25 ( a ) further entitles the consumer to the removal or correction of all inaccurate or unlawful credit reporting stemming from the void contract or wrongful repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BMW FINANCIAL SERVICES s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian, Equifax and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BMW FINANCIAL SERVICES has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. BMW FINANCIAL SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
The car was repossessed and after sold, the company never provide me the exact amount how much they sold the car. I believe even Im sure the amount of the debt is supposed to be different. I call to credit bureau and ask them to provide all information what they got and they always return with the verified balance. I asked them how they verified. Give me the paperwork give me the name and they never give 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 2025-10-15 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: GA

Complaint narrative:
I am submitting to formally dispute the accuracy, completeness, and validity of certain information being reported on my Equifax, Experian and TransUnion credit file. Upon careful review, I identified multiple accounts that appear to be inaccurately reported or unverifiable under the Fair Credit Reporting Act ( FCRA ). I am exercising my right under federal law to request a thorough reinvestigation and correction of the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
I am submitting to formally dispute the accuracy, completeness, and validity of certain information being reported on my Equifax, Experian and TransUnion credit file. Upon careful review, I identified multiple accounts that appear to be inaccurately reported or unverifiable under the Fair Credit Reporting Act ( FCRA ). I am exercising my right under federal law to request a thorough reinvestigation and correction of the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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: NV

Complaint narrative:
Subject : Failure to Correct and Remove Inaccurate and Unverified Consumer Information Agencies : Experian Information Solutions, Certified Notices Sent : XX/XX/year>, and XX/XX/year> Statement of Complaint This complaint concerns the continued reporting and maintenance of inaccurate, incomplete, and unverified information by the national consumer reporting agencies Experian, Equifax, and TransUnion. 

Despite receipt of two certified written notices, dated XX/XX/year>, and XX/XX/year>, each agency has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681e ( b ), 1681i ( a ), and 1681c ( a ).

Legal Basis Under the FCRA : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) : Upon notice of a dispute, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681c ( a ) : Prohibits the inclusion of obsolete or outdated information in consumer reports.

The failure of Experian, Equifax, and TransUnion to remove unverified and outdated data, after proper notice, represents a willful and/or negligent noncompliance with these statutory obligations.

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: CA

Complaint narrative:
I keep receiving reoccurring emails and text messages bothering me over and over even after Ive told them to stop calling me on the phone and contacting me they still keep calling me. Ive had to block them through phone call and through message and they still email me and text me from new numbers and call me. Ive already requested specific proof that this is a debt that belongs to me in an itemized list and they have not provided any type of proof because I know for a fact, this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I am writing to formerly express my concerns regarding zelles handling of disputes particularly in the light if the CFPB lawsuites highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPB findings indicate that zelle has not only neglected to protected consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-15 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-15 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding a collection account reported by Portfolio Recovery Associates ( PRA ) that I do not recognize, do not owe, and believe may be connected to a data breach involving TransUnion.

This collection account suddenly appeared on my credit report without any prior notice, and I have no knowledge or record of the original debt. I have never received any legitimate communication from PRA prior to this tradeline being reported.

Given the well-documented TransUnion data breach, I have reason to believe that my personal information may have been compromised and used fraudulently, leading to the creation of this account or its misattribution to my credit profile.

I have disputed this account with TransUnion, and it came back as verified without any actual validation or documentation proving the debt is mine. Portfolio Recovery Associates has failed to provide any : Signed contracts Statements from the original creditor Proof of ownership or debt transfer Any verification of identity or obligation This collection is false, and it is negatively affecting my credit report and financial stability. The FCRA requires that only accurate and verifiable information be reported, and this account does not meet that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
I am submitting to formally dispute the accuracy, completeness, and validity of certain information being reported on my Equifax, Experian and TransUnion credit file. Upon careful review, I identified multiple accounts that appear to be inaccurately reported or unverifiable under the Fair Credit Reporting Act ( FCRA ). I am exercising my right under federal law to request a thorough reinvestigation and correction of the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-15 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: NCB Management Services Inc.
State: TX

Complaint narrative:
I am extremely disappointed and frustrated to find negative items in my credit profile. It is simply unacceptable and outrageous that such baseless claims have been reported against me. I demand that you immediately remove any derogatory information about me from your records! These allegations against me are completely false, and I have yet to receive any substantial evidence to support them. Your report contains numerous deviations from mandatory reporting standards, which means that the information in it can not be accurate and complete. I am challenging you to provide me with documented proof that the information you have reported is accurate and in compliance with all the relevant regulations. According to 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ), it is your responsibility to furnish accurate and truthful information about me. You have also failed to conduct a reasonable investigation of my disputes. Any mistakes in reporting can seriously impact my reputation and financial standing, and I demand that you take this matter seriously. Your carelessness and unethical practices are unacceptable, and I expect you to investigate the validity of the inaccurate items in your report and replace them with accurate ones or remove them altogether. It is your duty to protect my rights and ensure that your reporting meets the highest standards of accuracy and integrity. I will not hesitate to take further action if you fail to address this matter properly. 

NCB - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, I initiated a transfer from my joint Chase account ( with my husband as the primary account holder ) to my personal external account. Due to a typographical error, I mistakenly entered an extra XXXX transferring {$83000.00} instead of the intended {$8300.00}. 

Upon realizing the mistake, I immediately contacted both Chase and my external bank. I was advised by representatives from both institutions to simply return the funds via another transfer, which I promptly did. Despite this, on XX/XX/XXXX, XXXX canceled the original {$83000.00} transfer to my external account, but the return transfer I initiated ( from the external account back to Chase ) was still processed. 

Due to Chases daily transfer limit of {$25000.00}, I had to return the funds in two separate transactions of {$25000.00} each. 

Then, on XX/XX/XXXX, Chase closed my account, and has since been withholding a total balance of {$42000.00} from the closed account. 

I contacted XXXX from Chase 's fraud claims department on XX/XX/XXXX at XXXX, and was informed that a cashiers check for the remaining funds had already been issued. However, during a follow-up call, XXXX from the fraud protection department XXXX XXXX ) contradicted this information and stated that my funds were still under review, and I was advised to call back after 2448 hours. 

When I followed up again on XX/XX/XXXX, I spoke to XXXX at the same number. He informed me that the " back office '' suspended my funds due to uncertainty about the origin of the {$83000.00}. I clarified that the funds were transferred between accounts both under my name, and XXXX confirmed he had submitted a request to the back office indicating this. Nonetheless, I was told there is no guaranteed timeline for release, and that the bank may hold the funds indefinitely. 

As a result of following the instructions given by both banks, my external account is now overdrawn. I urgently need the withheld funds to resolve this negative balance and correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Name : - XXXX XXXX XXXX : - XXXX Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-15 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: GA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. DEPTEDXXXX Account Number : XXXX You Are Now in Violation of Multiple Federal Laws : FCRA 1681e ( b ) You must report only accurate and complete information. Reporting a late payment without verifying proper notice is inaccurate.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report responsibly. Reporting a consumer late without notice is irresponsible and unlawful.

FCRA 1681i ( a ) You are required to reinvestigate disputed items. If no supporting documentation exists, the item must be deleted.

15 U.S.C. 1666B Late fees and penalties can not be imposed unless the consumer is properly notified of due dates in a timely manner. Failing to meet this standard qualifies as a billing error.

My Demands Final Warning : Immediately conduct a reinvestigation of each disputed late payment.

Require the creditors to provide documented proof that proper billing notices and due dates were sent to me before any negative marks were reported.

If no such proof exists, permanently delete these late payments from my credit file.

Provide me with a corrected credit report and written confirmation of deletion within 15 business days.

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 2025-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC.

1681 section 602 states I have the right to privacy. 15 USC. 1681 section 604a, section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation