vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC regarding a collection account with a balance of {$2000.00}, originally related to a XXXX bill. 

Jefferson Capital has been updating this account monthly, reporting it as past due, even though there has been no consumer activity, no payments, and no agreement in place. The account has shown XXXX payments from the time they acquired it through the present. 

These updates are misleading and disproportionately damage my credit score by making the tradeline appear as an active delinquent obligation, even though its simply a purchased debt with no open contract. 

I disputed this account previously, and while the dispute flag appears on my report, Jefferson Capital did not correct the reporting or provide validation of the debt. 

I am currently on state XXXX income and working hard to rebuild my credit. Ive attempted to deal with other accounts in good faith, but this company continues to report aggressively without providing a resolution. 

This pattern of reporting is inconsistent with fair reporting standards and appears to be intended to keep the account active on my report longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: IN

Complaint narrative:
This is my XXXX dispute regarding a closed account from XXXX XXXX Bank XXXX, reported by Experian on XX/XX/year>, with a balance of {$240.00} and listed as closed by credit grantor. 

Im requesting verification under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ), including original documents used to verify the account and balance. No documentation has been provided. 

If Experian can not verify the account with proper evidence, Im requesting its removal from my credit report.

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 2025-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Opportunity Fund
State: GA

Complaint narrative:
What would be a fair resolution to this issue? 
This was stated in the denial letter : " We also obtained your credit score from the consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. '' and this is my credit score in which they also sent : " Your credit score : XXXX Date : Wed XXXX XXXX XXXX XXXXXXXX XXXX XXXX and this is why it was denied : Key factors that adversely affected your credit score : SERIOUS DELINQUENCY PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED As you can see I as consumer pay all of my bills on time, I'm not late or delinquent! These statements are obviously false, possibly computer generated, as it is ambitus in content. I would like them to correct this and send a precorrection letter of approval and or remove inquiry off of my credit file. I just looked at my credit and XXXX points was deducted because of this! My credit is now at a 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: AR

Complaint narrative:
I am disputing a Global Lending Services auto loan account that was previously removed from my credit report. However, it was recently reinserted without any notification as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

This reinsertion occurred after I was asked to verify my identity multiple times. I received no formal written notice that the item would be or was reinserted, which is a direct violation of my rights under the FCRA.

In addition, if the credit bureau relied solely on information provided by Global Lending Services without independently verifying its accuracy, that constitutes willful noncompliance based on the ruling in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : > Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance.

I am requesting that this account be permanently removed from my credit report unless the bureau can prove : 1. An independent verification was conducted ; 2. Proper reinsertion notice was sent to me in writing ; 3. The data furnisher ( Global Lending Services ) is legally allowed to report this account and has provided valid proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card account with Bank of America ( account * * XXXX ). I have been disputing inaccurate late payment reporting on my credit report for XXXX and XX/XX/XXXX. 

Bank of America 's records incorrectly show that I made late payments for those months. However, I have provided Bank of America with evidence that shows I had a {$0.00} balance due for both of those months. This evidence includes account statements from XX/XX/XXXX, and XX/XX/XXXX, both showing {$0.00} due, as well as email notifications from Bank of America dated XX/XX/XXXX, and XX/XX/XXXX, reiterating that no payment was due. 

I have sent multiple disputes to Bank of America, including a formal complaint letter dated XX/XX/XXXX, but they continue to validate the debt instead of addressing the inaccurate late payment reporting. This demonstrates a failure by Bank of America to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

The inaccurate late payment information is negatively impacting my XXXX XXXX and has caused a significant delay in the purchase of a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
This is my first dispute regarding three potentially inaccurate and negative accounts being reported on my TransUnion credit file. These include : XXXX XXXX Listed as closed and potentially negative. Last updated XX/XX/XXXX. 
XXXX Charged off with {$49000.00} past due and {$51000.00} written off. Last updated XX/XX/XXXX. 
XXXX XXXX Closed credit card account with a {$13000.00} balance. Last updated XX/XX/XXXX. 

I am requesting verification of each account under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 7 ), including original documentation used to verify their accuracy. If TransUnion can not verify these accounts, I request they be removed in accordance with the Fair Credit Reporting Act.

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 2025-04-20 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: NJ

Complaint narrative:
This company took over servicing my mortgage and is not reporting it. And when I call them for anything, they say I have to speak to a special department, and they take my name and number, and no one calls back.

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 2025-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I cant access the dates but Id say XXXX or XXXX XXXX cant log in my account anymore I tried to make XXXX more accounts and they said they linked those last XXXX accounts with the first account but I never did any fraud activity for them to just take my account away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am disputing the reporting of a business credit card account issued by Chase & XXXX XXXX that recently appeared on my personal credit report. I was the personal guarantor on the account, and I understand the cardholder agreement may allow for personal reporting after delinquency. However, this account was never previously reported during its active use and was used exclusively for business purposes. I believe the sudden reporting of only the negative history misrepresents the nature of the account and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically in regard to maximum possible accuracy, fairness, and the classification of consumer vs. business obligations. I have submitted formal disputes and received no documentation to validate the personal reporting under FCRA standards. Please see the attached letter for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Unfortunately, I have been a victim of identity theft and data breach from company XXXX, and my information was obtained fraudulently to take over my phone line, open fraudulent business, credit card accounts, checkings and savings accounts, and to open loans etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to theses specific companies XXXX XXXX, Navy Federal, and XXXX XXXX  Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Unfortunately, I have been a victim of identity theft and data breach from company XXXX, and my information was obtained fraudulently to take over my phone line, open fraudulent business, credit card accounts, checkings and savings accounts, and to open loans etc. I have reached out to all companies who has been a part of this unfortunate situation with me as a customer, and they all were willing to help me resolve this in which we did, but in regards to theses specific companies American Express, XXXX XXXX, and XXXX XXXX  Ive reached out to them several times and they refused as part of their investigation to freeze, block, or close the loans or accounts out as fraudulent. They also refused to provide sufficient documentation proof of what was used to approve the loans originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: IL

Complaint narrative:
I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Despite submitting two detailed reinvestigation requests Experian, the credit bureau has failed to ensure the maximum possible accuracy of my credit report.

These violations have resulted in persistent inaccuracies in my credit file, including incorrect accounts. 

XXXX XXXX XXXX {$400.00} XXXX. XXXX XXXX, XXXX, {$550.00} XXXX. XXXX XXXX, XXXX, {$590.00} XXXX XXXX XXXXXXXX, {$900.00} XXXX. XXXX XXXX XXXX, XXXX, {$1800.00}

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 2025-04-20 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I sent a request for both collections from LNVN on my XXXX  account. I have yet to receive a response or acknowledgement of my request. The company continued to report negative information on my credit file, and it have been months since I sent my request.. They also sent court order documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX XXXX XX/XX/year>

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 2025-04-21 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate.

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a transaction dispute for a {$190.00} charge from XXXX  ( XXXXXXXX XXXX airport service that allows one to skip the line and get through security faster ), because I never signed up for this service. I don't even travel that much. The last time I flew was last XXXX, and I did not sign up for any such service then nor since then. I just logged into my bank account to find that Capital One reversed the credit they issued for the dispute, meaning they ruled against me in this matter. It just doesn't make any sense, because, again, I never signed up for this service, and they are my bank ( honestly, not for much longer, because it has become a pattern where they keep ruling against me in disputes that should clearly be decided in my favor- the fact is that I never dispute anything unless I am 100 % positive that it is something that should not be there ), so they are supposed to protect me and my money from being taken advantage of, right? I am still a XXXX XXXX XXXX XXXX and {$200.00} is a lot of money for me... I honestly think that they have an issue with me, and I think I am going to switch bank after this. But I want my money back first. I want my {$190.00} back for a service that was clearly fraudulently charged from my account. I shouldn't even have to write this complaint.... I can provide proof that I basically never travel, because I can't afford it, and I definitely can not afford my bank allowing me to be charged for things that I never purchased. Shame on Capital One. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year> I sent two Zelle payments to XXXX XXXX ( XXXX ) for concert tickets to a show on XX/XX/year> at XXXX XXXX in XXXX. I was in contact with this person via his XXXX XXXX XXXX. He reached out to me and offered two tickets for sale for {$65.00} each. I sent the first {$65.00} under Zelle payment ID XXXX. After confirming he received the money he was unable to only transfer one ticket and said he was only able to send both tickets at once, so I sent the second {$65.00} payment under Zelle payment ID XXXX. After he received both payments, he said he would send the tickets over to my account. Shortly after receiving both payments, he blocked my account on XXXX, and I have been unable to contact him any further. I made a complaint with my bank XXXX XXXX as well as a complaint with Zelle directly. To date I have heard nothing from either entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: WA

Complaint narrative:
I want any address or names not associated with me removed. Due to a data breach I received alert of. Remove all except for the address and name I reported.

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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc.
State: MT

Complaint narrative:
I received a phone call from a company I didnt recognize, they did not leave any information so I called them back.they asked me my name I told them then they started asking me for more information about my identity and my address. I did not provide any further information since they never identified themselves as a dept collector even after I asked them who they were.

I ended up googling there business thats how found out they were a collection agency trying to collect a dept, this debt is not in my credit report I contacted the original creditor they also refused to verify this debt.

The dept collector is CBE Group, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX The original creditor is XXXX, I am not able to see any of these listing they claim are unpaid all the fees the show in the account have no images of the items for sell, my account shows no active listing and also shows not listing that have ended making it impossible for me to verify the charges. They said these charges are from 2021 XXXX refused to provide any proof to me on these charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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