vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To whom it may concern, In XXXX of XXXX  Capital One chose to close both of my credit card accounts do to return payments of NSF. However, I obtained proof that that was not in any way my fault. My bank gave me a letter on their letterhead for my payments that didn't go through. I supplied Capital One that letter on my bank letterhead. It stated that My bank account was temporarily Frozen due to fraudulent activity. That I DID indeed have funds in my account to cover my credit card payments. If Capital One looks into my history I also have an excellent payment history before this all occurred. Regardless they would not reopen my accounts. I am obviously upset about this. It also damaged my credit severely at that time. Since then I have received more than a half dozen pre-qualified and pre-approved offers. When I tried to accept one of them I get a weird error message. I contacted customer service at Capital One and they told me because I was in breach of contract and had NSF / insufficient funds..

That information is wrong on my accounts. I supplied Capital One with information proving that this was not at all my fault. However, it doesn't appear to be that way when they look up my information. It states that the accounts were closed due to insufficient funds or returned payments. This is even more disconcerting. I used to love Capital One I used to say all kinds of positive things about them. I mean that! 
But after this, I mean I don't even feel like I'm being treated like a human being. What kind of customer service do they have that no one can override this information in your system and on my credit report. As well as your decision to not reopen my account whenever proof is provided? I've let this go for entirely too long. This isn't fair treatment I have a law firm that is willing to work on this for me pro bono.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
This company was issued CFPB complaint XXXX on XX/XX/year>, regarding an alleged debt appearing on my credit report that I do not owe. To date, they have failed to respond. Additionally, I have received mailed correspondence ( attached ) showing a balance and settlement amount that do not match the debt reported on my credit file. This raises serious concerns about the company 's business practices, as it appears they are attempting to collect money through deceptive means. 

The alleged original creditor has yet to verify this debt, which further calls its legitimacy into questionespecially given the inconsistent balances being reported by the collection agency. Furthermore, my initial complaint included proof that this companys right to transact business in Texas has been forfeited. Despite this, they continue to report a disputed debt without notifying the credit bureaus of the dispute, violating federal regulations. Additionally, they have ignored my cease-and-desist request by sending further communication via mail, which also contains details that do not match what is being reported.

Due to these ongoing violations, negligence, and failure to comply with the law, I demand the immediate deletion of this account from my credit report within 14 business days.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
EXPERIAN has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against EXPERIAN alleging systemic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses and failing to adequately notify Consumers of dispute outcomes. These failures align with my experience, where EXPERIAN had neither correct or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as EXPERIAN inactions violates federal law and my rights me as Consumer.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-03-10 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
Subject : Dispute of Reinserted Collection Account Violation of the FCRA To Whom It May Concern, I am formally disputing the reinsertion of a collection account that was previously removed from my credit report and has now been reinserted without the required notification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The details of the account in question are as follows : * Creditor/Collection Agency Name : [ XXXX ] * Account Number : XXXX * Debt Amount : [ {$640.00} ] * Date of Removal : [ XX/XX/year>2025 ] Reason for Dispute XXXX. Under the FCRA, if a previously deleted account is reinserted in a credit report, the credit bureau must notify me in writing within 5 business days of the reinsertion. I have not received such notification. 
XXXX. Equifax is required to ensure that the creditor has provided formal certification of the validity of the debt before reinsertion, which I am requesting as proof. 
Requested Action * Immediate removal of this account from my credit report if proper procedures were not followed. 
* A copy of the certification provided by the creditor to Equifax justifying the reinsertion. 
* A written confirmation detailing the results of this dispute. 
If this violation is not corrected in a timely manner, I will consider taking legal action and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
I appreciate your prompt response within the timeframe required by the FCRA. 
Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX//2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Attempted to make monthly payment on credit card using XXXX app XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Process kept failing stating my card was expired/invalid. Attempted to pay online via website received same response. Called customer service and was able to finally make payment using the same card. Customer service rep informed me a {$30.00} late fee was applied to my account for paying it on XX/XX/XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
en what happened debt validation letter XX/XX/year> {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
I want reported account removed. XXXX XXXX XXXX
Account XXXX
XXXX XXXX XXXX XXXX, GA 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-10 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-10 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: FL

Complaint narrative:
I do not recognize this address I do not live there please have address removed from my report thank you 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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
reference complaint ID XXXX Trust Bank sent me a letter on XX/XX/XXXX stating they reserve the right to close an account at any time for any reason and refund my funds deposited to Truist bank XXXX XX/XX/XXXX. 
They closed my account alleging fraud suspicious activity after I reported to the bank XXXX he misspelled my name in the entire paperwork opening the account. 

Truist Bank did not verified with XXXX XXXX the money orders I deposited, Truist returned a money order that I was able to get reimbursed for by XXXX XXXX and withheld {$2000.00} allegedly due to fraud. Truist closed my account and finally return my funds on XX/XX/XXXX. 
Truist bank illegally withheld my funds from XX/XX/XXXX until XX/XX/XXXX. ( XXXX business days ) I requested a 30 % penalty to Truist Bank for violating the Expedited Funds Availability Act and for the lack of communication and negligence received from them. 
I want this bank to be fined and for me to get reimbursed for all my time invested dealing with this bank.

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 2025-03-10 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report regarding the following account : Creditor Name : XXXX Account Number : XXXX Upon reviewing my credit report, I noticed several discrepancies and inaccurate reporting between credit bureaus. The information reported on this account is inconsistent, incomplete, and/or incorrect. Below are the specific issues I am disputing : Account Status Discrepancy : TransUnion lists the account as Open, while Experian and Equifax report it as Derogatory/Charged-Off. If this account is charged off, it should not be marked as " Open. '' Monthly Payment Amount : TransUnion reports a {$65.00} monthly payment, while Experian and Equifax report {$0.00}. A charged-off account should not have a monthly payment obligation. 
Date Opened Inconsistency : TransUnion states XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. This date should be consistent across all bureaus. 
High Credit Amount : TransUnion and Equifax report {$690.00}, but Experian reports {$0.00}, which is inaccurate. 
Credit Limit Discrepancy : TransUnion and Experian report {$300.00}, while Equifax reports {$0.00}. 
Past Due Balance Inconsistency : TransUnion reports {$330.00}, while Experian and Equifax report {$690.00}. 
Payment Status Discrepancy : TransUnion lists the account as " 120 Days Late '', while Experian and Equifax list it as " Collection/Charge-Off. '' If the account is charged off, the reporting should reflect that. 
Date Last Active Inconsistency : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These dates should align. 
Date of Last Payment Missing : TransUnion and Experian do not provide a last payment date, while Equifax reports XX/XX/XXXX. 
Inconsistent Two-Year Payment History : Payment statuses vary significantly across the bureaus, including incorrect reporting of " OK '' by Equifax when the account is derogatory. 
Given these inaccuracies, I request that the credit bureaus investigate this account and correct any errors. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. 

I have attached a copy of my credit report highlighting the inconsistencies, along with any supporting documents. Please conduct an investigation and update my credit report accordingly. If the furnisher of this information can not verify the accuracy, the incorrect information should be removed. 

Please provide a written response confirming the resolution of this dispute. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act National Credit System Account # XXXX has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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