vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: IN

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
" I received a targeted offer in the mail from XXXX XXXX for the XXXX XXXXXXXX XXXX XXXXXXXX, which included a {$200.00} bonus after spending {$1000.00} in the first 3 months. I used the offer and the code provided to apply. Before reaching the spending threshold, I confirmed my eligibility for the bonus over the phone with a representative. After meeting the {$1000.00} requirement, I was told Im not eligible for the bonus, even though I followed the instructions and applied using the mailed offer. I no longer have the physical letter, but I believe this is an unfair denial and would like the matter reviewed. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had opened a account with capital one around XX/XX/XXXX excepting a ach transfer/ direct deposit from the account ending XXXX which had been close after the deposit came in. I reach out to customer service which they address that they have ending banking relationships with me so I had a check of my balance get mail to me. I still haven't received or access my direct deposit balance. This deposit happened the same day they close my account. The balance of the account was a XXXXXXXX XXXX  which I had won from a lottery ticket a family friend gave to me I reach out to capital one which the deposit drop. I don't recall capital one mail my old address with my remaining balance and I would like to know where is my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MA

Complaint narrative:
Dear Cfpb, Equifax, Experian, Transuion Legal Department ; I am filing this complaint due to the ongoing failure of the credit reporting agencies ( Equifax, Experian, and TransUnion ) to conduct a reasonable reinvestigation of several disputes I have submitted in violation of the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( a ). Despite multiple authenticated and properly documented disputes, including submission of identity theft affidavits, I continue to receive dismissive and generic template responses stating that my disputes " do not appear to have come from me or an authorized representative. '' These baseless denials are being used as a pretext to avoid investigation. 

The law requires a reasonable reinvestigation any time a consumer disputes the accuracy of information, regardless of the perceived source of the dispute. Your obligations under XXXX ( a ) ( XXXX ) ( A ) are clear : you must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, the courts have held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ), that a credit reporting agency may not rely on a creditors investigation but must conduct its own reasonable investigation. 

This failure to investigate not only violates FCRA XXXX but constitutes willful noncompliance under XXXX U.S.C. XXXX, which subjects your organization to liability for actual damages, punitive damages, and attorneys fees. Additionally, under XXXX U.S.C. XXXX ( b ), once a furnisher receives notice of a dispute from a CRA, it is also required to conduct its own investigation and report the results to the CRA. Failing to do so further exposes them to legal liability. 

I have included the following accounts in my dispute, all of which are being reported inaccurately and have not been properly investigated : XXXX XXXX ( Account # XXXX, # XXXX, # XXXX ) Late Payments/ Charge-offs XXXX  XXXX  ( Account # XXXX ) Late Payment XX/XX/XXXX ( Account # XXXX ) Late Payment XXXX  XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) Collection XXXX XXXX  ( Account # XXXX ) Collection XXXX, XXXX/XXXX, XXXX BANK, XXXX XXXX XXXX XXXX XXXX XXXX BANK Charge-offs I have provided sufficient documentation on multiple occasions, including identity theft affidavits and dispute letters, and your continued failure to properly investigate constitutes reckless disregard of 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 2025-05-24 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: MA

Complaint narrative:
Dear Cfpb, Equifax, Experian, Transuion Legal Department ; I am filing this complaint due to the ongoing failure of the credit reporting agencies ( Equifax, Experian, and TransUnion ) to conduct a reasonable reinvestigation of several disputes I have submitted in violation of the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( a ). Despite multiple authenticated and properly documented disputes, including submission of identity theft affidavits, I continue to receive dismissive and generic template responses stating that my disputes " do not appear to have come from me or an authorized representative. '' These baseless denials are being used as a pretext to avoid investigation. 

The law requires a reasonable reinvestigation any time a consumer disputes the accuracy of information, regardless of the perceived source of the dispute. Your obligations under XXXX ( a ) ( XXXX ) ( A ) are clear : you must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, the courts have held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ), that a credit reporting agency may not rely on a creditors investigation but must conduct its own reasonable investigation. 

This failure to investigate not only violates FCRA XXXX but constitutes willful noncompliance under XXXX U.S.C. XXXX, which subjects your organization to liability for actual damages, punitive damages, and attorneys fees. Additionally, under XXXX U.S.C. XXXX ( b ), once a furnisher receives notice of a dispute from a CRA, it is also required to conduct its own investigation and report the results to the CRA. Failing to do so further exposes them to legal liability. 

I have included the following accounts in my dispute, all of which are being reported inaccurately and have not been properly investigated : XXXX XXXX ( Account # XXXX, # XXXX, # XXXX ) Late Payments/ Charge-offs XXXX  XXXX  ( Account # XXXX ) Late Payment XX/XX/XXXX ( Account # XXXX ) Late Payment XXXX  XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) Collection XXXX XXXX  ( Account # XXXX ) Collection XXXX, XXXX/XXXX, XXXX BANK, XXXX XXXX XXXX XXXX XXXX XXXX BANK Charge-offs I have provided sufficient documentation on multiple occasions, including identity theft affidavits and dispute letters, and your continued failure to properly investigate constitutes reckless disregard of 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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Client Services, Inc.
State: MN

Complaint narrative:
Client services continues to contact me through text message and email as well as phone calls and voicemails up to XXXX or more attempts a day. 
I have informed the company that the debt is not mine, that I will not be paying the debt that is not mine, and to stop contacting me, but they continue to do so in excess. 
I have requested official documentation of the original complainant ( their client ) and the quantity. They have verbally informed me the original amount of the debt is {$500.00} but they are attempting to collect nearly $ XXXX. 
They have not provided the written verification that Ive requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MA

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. 
XXXX Account, has violated my rights. 
Creditor Name : XXXX XXXXXXXX Account Number : XXXX Issue : Late payment : XX/XX/XXXX and XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Late payment and Charged OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Creditor Name : XXXX XXXX XXXXXXXX  Account Number : XXXX Issue : Late payment : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX5 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1681 ( c ) 2 Delete Charge Offs 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments

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 2025-05-24 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: MA

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. 
XXXX Account, has violated my rights. 
Creditor Name : XXXX XXXXXXXX Account Number : XXXX Issue : Late payment : XX/XX/XXXX and XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Late payment and Charged OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Creditor Name : XXXX XXXX XXXXXXXX  Account Number : XXXX Issue : Late payment : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX5 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1681 ( c ) 2 Delete Charge Offs 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Under the 15 USC 1681c-2 law they did not remove negative accounts off of my credit report and I have dispute the accounts due to identity theft and they still have not corrected my credit, XXXX XXXX, and XXXX. I am done with going threw the same thing over and over again. Thank you XXXX XXXX email XXXX date of birth XX/XX/year> Social Security number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/scrub>/2025 To : AGENT Dept. of Education / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX RE : Direct Dispute of Account Reporting FCRA Compliance Required Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Reported Balance : {$2200.00} Original Balance : {$2000.00} To Whom It May Concern, This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding the above-referenced account being reported by your institution to the national credit reporting agencies.

After reviewing my credit reports, I have identified several serious issues regarding the accuracy and compliance of the data reported by your office : Inaccurate Balance Reporting : The current balance shown is {$2200.00}, while the original balance is listed as {$2000.00}. I require documentation showing how this balance increased, including interest, penalties, or fees.

Improper Delinquency Reporting : You are reporting 120180 days of delinquency from XXXX through XX/XX/scrub> 2025. If this account was under federal forbearance or administrative deferment during this period, this reporting violates federal policy and must be removed immediately.

Incomplete Payment History : There are multiple months labeled ND ( no data ) in the payment history. Under FCRA 607 ( b ) and Metro 2 format guidelines, data furnishers are required to report consistent, accurate, and complete information. Incomplete records are misleading and unlawful.

DEMAND FOR ACTION : In compliance with FCRA 623, you are required to investigate and respond to this direct dispute within 30 days of receipt.

I am requesting : Complete validation of this account including payment history, forbearance/deferment records, and balance explanation, OR Immediate correction and/or deletion of this tradeline from all consumer reporting agencies If no adequate response is received, I will escalate this to the Consumer Financial Protection Bureau ( CFPB ) and may pursue legal action under FCRA 616617.

Please send all correspondence and results of your investigation to the address listed above. 
Sincerely, 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have requested information as to ownership and balance and the creditors will not respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: FL

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2025-05-24 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: MA

Complaint narrative:
Dear CFPB, Experian, Equifax, Transunion ; Yes the accounts belong to be however, I am filing a formal complaint against your credit reporting agency for failure to conduct a reasonable and independent reinvestigation under the Fair Credit Reporting Act ( FCRA ) regarding the following accounts that I have disputed over the past 23 months. 

Despite submitting these disputes personally with my full identifying information ( name, address, SSN, date of birth, email, and phone ), I continue to receive generic, recycled template responses stating the accounts have been verified as accurate or that my dispute came from an unauthorized third party which is false and unsubstantiated. This has resulted in your organization completely failing to reinvestigate or correct the inaccuracies I pointed out. 

Here are the disputed 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 XXXXXXXX Late Payment {$0.00} Each of these accounts continues to reflect incomplete, inconsistent, or incorrect information, including inaccurate dates, status discrepancies across bureaus, and {$0.00} balances marked with derogatory notations. These errors are materially misleading and harmful to my credit. 

Your organization has a statutory obligation under federal law to properly reinvestigate and correct disputed data : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation when a consumer disputes information.

15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy in consumer reports.

15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation and correct or delete inaccurate data. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs XXXX not rely solely on furnishers and must independently investigate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Reinforces that automated, unverified responses from furnishers do not satisfy the FCRA. 

Your bureaus repeated failure to act appropriately is now in violation of these provisions and has exposed me to ongoing credit damage due to your negligent and willful noncompliance.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a fraud alert on a credit card that I recently opened and never received. This was with Bank of America and I have had a card with them for several years with no problem that was a different credit card. I can see both credit cards on my online account and my car that I've had for years is still open and I can make payments on it. XXXX XXXX XXXX that I recently applied for never arrived and there was a problem alert on it. On my online account it shows a fraud alert and I received a letter with a fraud alert. I called into fraud it's the letter stated to do. They told me that my cell phone that has been in my name for XXXX years under XXXX has a problem I can't receive texts. However whenever the computer needs to send me a text to log into my online account it texts that number. They called me on my home phone and I answered and I verified my email. They then told me because I couldn't get a text on the phone that I had to go in person to a bank to close this account. I told them I was traveling and the nearest bank is 4 hours away and when I called that Branch they said they couldn't help me anyway and I would need to call back to customer service. I put two other cell phones on my account online so they could text another cell phone to verify my account and take care of this fraud on a card I did not receive. When I called them back they told me I would need to drive 4 hours to the bank to close down an account on a card I had never received.

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