vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My account was enrolled in automatic payments, which were interrupted due to an unexplained system error on their end. Despite multiple calls and promises of managerial follow-up, no resolution was ever provided. Their system also indicated scheduled payments were in process, but no withdrawals occurred, and when I was referred to their website, I was locked out of making manual payments. This was an ongoing issue and I wasnt the only customer affected. I was never late on my payments and its totally unfair that they dropped the ball and never had management contact me about this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
What happened : I disputed late payment entries reported by XXXX XXXX on two accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * ). I requested the original billing statements showing due dates, proof they were sent at least 21 days before the due date, and documentation of proper notice under the FCRA ( 15 U.S.C. 1681s-2 and 1637 ( b ) ). 

Instead, XXXX XXXX only provided bank statements, which do not prove timely delivery, contain all required information, or show proper notice. Despite my prior dispute, they have now reported additional late payments ( 120 and 150 days ), worsening the inaccuracy on my credit reports. 

I am requesting that these inaccurate entries be immediately and permanently removed from XXXX, Equifax, and XXXX and that no further negative information about these accounts be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposit on my bank of America business account XXXX checks from my company XXXX XXXX, XXXX check was {$1300.00} and the second {$3000.00}, i deposit this checks by mistake, because i have a XXXX  XXXX account, a few days after the deposit they close my account and they told me that i am going to receive my money in a check and they didn't send me the funds for this XXXX checks even they received the funds for those checks.

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 2025-09-06 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: HW Holding, Inc
State: TX

Complaint narrative:
I am disputing inaccurate information on my XX/XX/XXXX credit report. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested the method of verification, but I am concerned thatXX/XX/XXXXmay have relied on third-party vendors or systems compromised in its recent data breach to handle or verify my dispute. I believe this calls into question the reliability and accuracy of the reinvestigation process. I am requesting thaXX/XX/XXXX provide a full and secure method of verification or delete the disputed information from my file as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Equifax, Transunion, Experian, are constantly reporting on my credit report wrong I have proof that Transunion reports to me that my score is one thing, and reports to companies something else. They now say that the creditor on my Report is XXXX XXXX and XXXX XXXX  are original creditors I have never signed any agreements with either one of these companies and every time I have printed out updates its different dates on it. On Friday Transunion and Equifax Reported to XXXX XXXX  My score was One thing all of a Sudden Equifax has reported that my score dropped XXXX Points how!!! Also, Experian has sent me something about something on my account that I did not ask them to add!! I have all of this attached below. Also, Transunion has just had another data breach, how is any of this legal, I have reached out to an attorney and will be filing suit. I can not buy a vehicle because of what illegal stuff these companies are actively doing!! I make good money and should be able to buy and use my credit.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I have disputed this company below twice and recently called XXXX  to report that the company is attempting to double collect on the same debt. XXXX  informed me that they do not have access to XXXX  reports, so they can not view what is reported there. I had assumed the credit bureaus shared the same information, but that is not the case. On my XXXX  report, this account is already included as part of my XXXX XXXX case. However, the company is now attempting to collect payment through TransUnion even though it is not listed as part of my XXXX  XXXX payment plan. 

ZIONS DEBT HOLDINGS Original creditor-Open balance- {$1500.00} Dispute details Dispute XXXX Sent to XXXX  Submitted XX/XX/year> In review On XX/XX/year> Resolved On XX/XX/year> Dispute details Dispute XXXX Sent to XXXX  Submitted XX/XX/year> In review On XX/XX/year> Resolved On XX/XX/year> XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint regarding MOHELAs continued mismanagement of my federal student loans and the resulting financial harm. 

On XX/XX/2025, I was strongly encouraged by MOHELA representatives to submit a new Income-Driven Repayment ( IDR ) application. I was told at that time that my application would be processed by XX/XX/2025. However, on XX/XX/2025, I received communication from MOHELA stating that my application XXXX now take up to 90 days to process. 

This delay is especially concerning because it follows an earlier mistake by MOHELA : I originally submitted an IDR application in XX/XX/2025, but MOHELA failed to communicate the status of that application in a timely or accurate way. As a result, my loans have remained in deferment unnecessarily, causing interest to accrue and pushing me further away from Public Service Loan Forgiveness ( PSLF ) qualification.

I am greatly disappointed by the repeated communication errors and shifting timelines. When my XXXX XXXX were managed by XXXX, I never experienced this level of confusion or delay. I believe MOHELAs handling of my account constitutes mismanagement that is causing me ongoing financial harm and significant XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX for unlawful collection and reporting practices on two accounts : Account ending in XXXX. 

Account ending in XXXX. 

Background I have disputed these accounts multiple times in writing. 

XXXX XXXX has failed to provide lawful validation required under federal law : Original signed application ( wet signature ).

IP and geolocation logs.

Chain of title/ownership. 

Metro 2 compliance documentation.

Instead, XXXX XXXX has repeatedly reassigned these same accounts to outside collectors, including Transworld Systems , Inc., despite ongoing disputes and charge-offs.

Violations of Law FCRA ( 15 U.S.C. 1681s-2 ( a ), ( b ) ) Furnishing unverifiable information and failing to conduct a reasonable investigation.

Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. XXXX ) : CRA/furnisher must conduct meaningful investigations.

Johnson v. MBNA, 357 F.3d 426 ( 4th Cir. XXXX ) : Furnishers must investigate beyond confirming internal records.

FCBA ( 15 U.S.C. 1666 ) Failure to investigate billing errors and fraudulent charges.

FDCPA ( 15 U.S.C. 1692g ) ( applied via third-party collectors ) : knowingly passing unvalidated accounts for collection constitutes willful disregard.

FDCPA 805 ( c ) Ignoring written notice to cease telephonic communication.

Equity Law Unjust Enrichment Collecting after charge-off, where tax bene
fit has likely been claimed, is inequitable.

I am also filing this complaint against Transworld Systems , Inc., who has been assigned collection of my XXXX XXXX account ending in XXXX with a purported balance of {$5400.00}. 

Background This account has been formally disputed multiple times. 

XXXX XXXX has not provided lawful validation, including signed agreements, ownership chain, or IP verification. 

Despite ongoing disputes, Transworld has been assigned this debt and is attempting collection, which constitutes unlawful activity.

Violations of Law FDCPA ( 15 U.S.C. 1692g ) Failure to provide adequate debt validation before attempting to collect.

FDCPA 1692e False and misleading representations, as billing summaries/statements are not legal validation.

FDCPA 1692f Unfair practices in attempting to collect unverifiable debt.

FDCPA 805 ( c ) Prohibited telephonic communication after written notice.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Any continued furnishing of unverifiable data to CRAs constitutes unlawful reporting.

Case Law Support Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. XXXX ) : A billing statement is not sufficient validation. 

Fields v. Wilber Law Firm, 383 F.3d 562 ( 7th Cir. XXXX ) : Collectors must provide clear, itemized validation.

FTC v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. XXXX ) : Attempting to collect without proper validation violates FDCPA.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We traveled to XXXX under the travel insurance provided by my credit card, capital one venture x. Our trip was delayed and detoured by the severe weather and unexpected auto accident on XX/XX/XXXX and XXXX, XXXX. We officially reported on XX/XX/XXXX. Our claim was pending for a long time. I called the card benefit services several times to follow up and provide the supporting documents including all the receipts for the extra expenses. On XX/XX/XXXX, we were notified that our claims got denied because of out of 90 days. We are filing grievances against the card benefit services for they are delaying our claims and not providing the specific document requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
When I reviewed my TransUnion credit report, I was shocked and distressed to find inaccurate and harmful information being reported. Two specific accounts are being reported incorrectly, and despite my efforts to dispute them, TransUnion has failed to properly investigate and correct these errors. 

The first account is with XXXX XXXX Bank ( Account # XXXX ), reported as opened on XX/XX/XXXX, with an original balance of {$1000.00}. TransUnion is showing a late payment that I strongly dispute. I have requested documentation and verification, but no proof has ever been provided to substantiate this late payment. Yet, the negative mark continues to appear on my file, damaging my credit score and credibility. 

The second account is with XXXX XXXX ( Account # XXXX ), reported as opened on XX/XX/XXXX, with a balance of {$3000.00}, and listed as a charge-off. This reporting is both suspicious and inaccurate. The date opened is questionable and inconsistent with my records, and again, no proper validation has been provided. Despite disputes, TransUnion continues to keep this damaging entry on my report without proof. 

These false entries have caused me financial hardship and emotional stress. I have been denied fair opportunities for credit, had to pay higher interest rates, and suffered unnecessary embarrassment because of these errors. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting and a reasonable reinvestigation of any disputed information. TransUnion has failed to meet these obligations. 

I am respectfully asking the Consumer Financial Protection Bureau ( CFPB ) to intervene and require TransUnion to either provide verified proof of these accounts and their negative notations or immediately remove them from my credit file. No consumer should have to live under the burden of false, unverified, and damaging information.

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 2025-09-06 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: MI

Complaint narrative:
I am disputing inaccurate credit reporting. My XXXX  XXXX XXXX loans were paid in full and closed XX/XX/XXXX, yet Experian, Transunion, and Equifax reports late payments for XXXX, XXXX, and XX/XX/XXXX. 

I contacted ender in XXXX and XX/XX/XXXX to close the accounts and was told they would be closed. Despite this, they failed to act, continued billing, and then ignored my follow-ups. These lates are the result of lender error and service failure, not consumer fault. 

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information, and under FCRA 1681s-2 ( b ) they must correct after notice of dispute. The XXXX late is entirely false, and the XXXX lates occurred because of lender failure to close as promised. 

I request CFPB intervention to ensure these lates are removed and the accounts updated to Paid/Closed Never Late.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing inaccurate credit reporting. My XXXX  XXXX XXXX loans were paid in full and closed XX/XX/XXXX, yet Experian, Transunion, and Equifax reports late payments for XXXX, XXXX, and XX/XX/XXXX. 

I contacted ender in XXXX and XX/XX/XXXX to close the accounts and was told they would be closed. Despite this, they failed to act, continued billing, and then ignored my follow-ups. These lates are the result of lender error and service failure, not consumer fault. 

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information, and under FCRA 1681s-2 ( b ) they must correct after notice of dispute. The XXXX late is entirely false, and the XXXX lates occurred because of lender failure to close as promised. 

I request CFPB intervention to ensure these lates are removed and the accounts updated to Paid/Closed Never Late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Apparently someone got a Capital One credit card in my name I had identity theft happen in 2020 around there anyways I thought I got it all but apparently I missed a {$420.00} Capital One credit card charge in my name and when I got a hold of XXXX XXXX XXXX  and told them that wasn't me they said okay but then they couldn't tell me no information about it because I already told them that hey it wasn't me and they said they're going to close it and take care of it while they closed it and then it's still on my credit report so don't know what to do. I did file police report with XXXX XXXX and Capital One didn't admit that it wasn't me who created the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Several collection accounts are missing the date the balance was last updated, which is a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ).

Two accounts do not list an original creditor, which violates my rights under FCRA 609 ( a ) ( 1 ) to know the sources of information being reported.

These accounts have not been validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 809. I have not received proper verification letters from any of the listed debt collectors.

I have reason to believe that at least one of these debts may be older than 7 years, and thus should no longer be reported under FCRA 605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Several collection accounts are missing the date the balance was last updated, which is a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ).

Two accounts do not list an original creditor, which violates my rights under FCRA 609 ( a ) ( 1 ) to know the sources of information being reported.

These accounts have not been validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 809. I have not received proper verification letters from any of the listed debt collectors.

I have reason to believe that at least one of these debts may be older than 7 years, and thus should no longer be reported under FCRA 605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
To XXXX I am disputing inaccurate information on my XXXX  credit report. Under the Fair Credit Reporting Act, you are required to follow reasonable procedures to assure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ( a ) ). In light of the recent XXXX data breach, I have reason to believe my information may have been compromised. Any item that can not be fully verified as accurate and obtained with a permissible purpose ( 15 U.S.C. 1681b ) must be deleted. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation