vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this complaint regarding a Capital One credit card account that was restricted over a year ago and later placed in collections. Capital One and I entered into a settlement agreement to resolve the account for approximately 50 % of the original balance. 

I made over $ in payments toward this agreement. However, Capital One has failed to credit these payments, has not acknowledged the settlement, and continues to handle the account as if no agreement was made. Despite written communication from me describing this issue, Capital One has offered no resolution, and its representatives have provided false and misleading information about the terms and status of the account. 

I am also reporting this issue to the credit bureaus ( XXXX XXXX XXXX XXXX  ), as the account is still being reported in a manner that does not reflect the actual payment activity or settlement terms. The continued reporting of this account is inaccurate, incomplete, and misleading, and is in violation of my rights under federal law. 

Violations, ( Capital One ) : XXXX. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 Failure to properly credit payments and respond to written billing disputes. 

XXXX. Consumer Financial Protection Act ( XXXX XXXX ) 12 U.S.C. 5531 Deceptive, unfair, and abusive practices through mishandling of funds, false representations, and non-performance of the settlement agreement. 

XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Providing inaccurate, outdated, or incomplete information to credit bureaus, and failing to correct or update reporting after a dispute.

4. Breach of Contract ( Common Law ) Accepting payment on a settlement agreement and failing to fulfill its terms.

Violations ( Credit Bureaus ) : FCRA 15 U.S.C. 1681i and 1681s-2 ( b ) : If the bureaus are continuing to report this account after being notified of the dispute and settlement, they are failing to reasonably investigate and are furnishing inaccurate information.

If any bureau fails to block or remove the item after a valid dispute and documentation, this may further violate FCRA provisions regarding investigation procedures and consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within XXXX  days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management located at XXXX XXXX XXXX This company has reported a debt to XXXX that does not belong to me. I have reached out to XXXX XXXX XXXX multiple times to dispute the debt and to request proof or validation of the account they claim is mine. Despite my repeated requests, they have failed to provide any documentation or evidence that the debt is valid or connected to me. In addition, I have filed multiple disputes with XXXX  to have this erroneous collection removed from my credit report. Each time, the debt continues to be verified, even though XXXX XXXX has not substantiated their claim with any proof sent to me. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting a debt without providing validation after it has been disputed is unacceptable and damaging to my credit profile. I am requesting that the CFPB investigate this matter and take the appropriate action to have this invalid debt removed from my credit report and to hold XXXX XXXX XXXX accountable for their failure to comply with federal law. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
This is my FURTHER Complaint that I was the victim oXXXX XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/year> and XX/XX/year> {$110.00} This bank pay XXXX places that was sent to my account and I didn't have enough money to cover this in my account. 
As a result, it put my account into negative and the bank call me twice stating this was a debt collector call and ask me when can I pay this. 
I am been harassed for the bank mistake by the 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 monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
As of XX/XX/year>, I noticed with other witnesses beside me had seen a variety of incorrect and incomplete information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX more thing according to 15 USC 1681s-2, 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 information is inaccurate. 
Check attachment below.

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 2025-04-17 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/XXXX TO : Bridgecrest XXXX XXXX XXXX Subject : Request for Goodwill Adjustment Acount No. XXXX ( XXXX ) Dear Bridgecrest XXXX XXXX, I hope this letter finds you well. I am writing to humbly request a goodwill adjustment to remove the record of late payments associated with the account for a vehicle that was fully paid off in XX/XX/XXXX. I deeply appreciate your time and consideration of my request. 
At the time of the late payments, I was undergoing active XXXX treatment at XXXX XXXXXXXX XXXX, a period marked by immense physical, emotional, and financial strain. While I endeavored to manage all my responsibilities, the circumstances of my illness made it extraordinarily difficult to maintain timely payments. Despite these challenges, I ultimately fulfilled my financial obligation and paid off the loan in its entirety. 
Since that time, I have faced additional life challenges, including a divorce. As I work to rebuild my life after these hardships, I am committed to improving my financial health and stability. However, the record of these late payments on my credit report continues to hinder my progress. 
I am reaching out to request a goodwill adjustment that would remove the late payment notations from my credit report. This gesture would not only have a transformative impact on my ability to secure new opportunities but would also reflect the completion of my obligation to XXXX XXXX XXXX in XX/XX/XXXX in good faith. 
I understand that reporting standards exist to ensure accountability, and I greatly respect the role they play. My request is made with the hope that my circumstances during the period in question, as well as my eventual repayment, might merit compassionate consideration. 
Thank you for your time and understanding. I deeply appreciate the opportunity to communicate with you and hope for a positive resolution. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments in my account beginning in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture. But the late payments remain without proper validation or documentation. Under 15 USC 1681 S2 a furnitures must repot accurate information. Under 15 USC 1681 I, the credit bureaus must perform reasonable investigation within 30 days. Neither of them provided sufficient evidence to support the negative reporting.

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 2025-04-17 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: T.S. Holdings
State: NC

Complaint narrative:
I submitted a dispute for this account on XX/XX/2025. I checked my report and I noticed that the account was removed from my report on XX/XX/2025. After checking my report a few days later, I noticed that this account was added back to my report. IQ Data failed to notify me within five business days that this account was added back to my credit report pursuant to FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> my XXXX XXXX and XXXX were stolen from me. I would later see a zelle transaction pop on my account for {$1500.00} I would send in a dispute for the transaction. They investigated the situation and deemed that since my phone was used " a device that is consistent with previous account activity '' this information was used to have my claim was denied. The thief saw my passcode and changed my password and XXXX  themselves the money. 

there was even a previous transaction that was blocked since Bank of America originally believed it was fraudulent. 


i have attached a police report to prove i did not have my phone during the time.

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 2025-04-17 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding the above-referenced account. This item is being reported as a charge-off, and I believe this entry may be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. As the furnisher of this data, you are required to ensure the accuracy of the information being reported.

Under this statute, I am requesting that you : Conduct a full investigation into this account and its reporting.

Provide documentation verifying the accuracy and completeness of the reported charge-off.

Cease reporting this item to the credit bureaus if it can not be verified under the FCRA.

If you are unable to provide proper validation or fail to respond within 30 days, you must remove this entry from my credit report immediately in compliance with federal law.

Please note that this is not a refusal to pay, but a notice sent in accordance with the FCRA. If the account is verified, I respectfully request all supporting documents, including a copy of any signed contract or account statements verifying the debt. 

I look forward to your prompt response within the timeframe required by law. 



XXXX XXXX account ending XXXX charge off on XX/XX/year> XXXX XXXX ending XXXX was charge and still reporting late payment monthly also pc XXXX and son charge off on XX/XX/year> 2024

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this complaint against American Express regarding a misleading and unfair annual fee charge on my Amex XXXX XXXX. 

I also hold an Amex XXXX XXXX. When I renewed my Amex XXXX XXXX in XX/XX/year>, I asked the customer service team about the {$100.00} annual fee credit available to corporate cardholders. I was told I was not currently enrolled, but the representative assured me that I would be enrolled and the benefit would be applied. My call was transferred from the retention team to the corporate card team, who reiterated the same and promised a callback to confirm next steps. No one ever followed up. 

After waiting and seeing no credit applied, I contacted support again and was told I was not enrolled and that there was no record of any prior discussions or promised benefits. This directly contradicted what I was told during the renewal process and led to confusion and wasted time. 

On XX/XX/year>, I requested to cancel the XXXX XXXX and asked for a refund of the {$320.00} annual fee, as I had renewed the card based on the understanding that the corporate benefit would be applied. While the card was canceled, American Express is still holding me liable for the {$320.00} fee. 

This situation has caused me unnecessary inconvenience and financial frustration. I am requesting a full reversal of the {$320.00} annual fee and confirmation that the account is closed without any negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Subject : Violations of XXXX XXXX and XXXX Codes by TitleMax XXXX XXXX XXXXXXXX : TitleMax XXXX XXXX XXXX XXXX 

Issue : TitleMax has violated XXXX XXXX XXXX XXXX and XXXX, as well as XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX ) by engaging in deceptive, misleading, and non-transparent practices in the sale and servicing of my loan. 

Details : TitleMax violated : XXXX XXXX XXXX XXXX ( a ) ( XXXX ) by misrepresenting the nature of the payments due. I was told the loan functioned like a traditional monthly loan, which was untrue. My payments were not reducing the principal at all only paying fees and interest. 
XXXX XXXX XXXX XXXX by failing to clearly and truthfully explain the costs and obligations at the time of the sale. I was verbally led to believe the payments would reduce my balance over time, which was not the case. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Deceptive Advertising ) by not fully disclosing the structure and cost of the loan during the sales process. TitleMax verbally described the loan in a way that omitted the reality of how fees and renewals worked, resulting in a materially misleading presentation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) ( Deceptive XXXX Practices ) by failing to disclose information that was known at the time of the transaction and was critical to my ability to make an informed decision. Had I been given accurate, verbal information about how payments would apply only to interest and not principal and how the loan automatically renewed I would not have entered into the agreement. 

Despite repeated complaints, the company continues to justify its actions solely on my digital signature and Truth in Lending disclosures, ignoring how the loan was presented and sold to me. The law makes clear that disclosure must include risks and terms up front, not just through paperwork but also in good faith by the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I had a student loan with XXXX that was deferred. Then out of no where my credit score dropped XXXX points. XXXX reported to the credit bureau that I was missing XXXX outstanding payments that I knew nothing about. The last time I checked my loan was deferred.

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 2025-04-17 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: NCB Management Services Inc.
State: NC

Complaint narrative:
I submitted a dispute for this account on XX/XX/year>. I checked my report and I noticed that the account was removed from my report on XX/XX/year>. After checking my report a few days later, I noticed that this account was added back to my report. NCB Management failed to notify me within five business days that this account was added back to my credit report pursuant to FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I just recently reviewed my Equifax credit report # XXXX. I noticed that the employers : XXXX XXXX, and XXXX ; are reporting inaccurate and need to be DELETED. The following address XXXX XXXX XXXX XXXX, XXXX, LA XXXX is inaccurate and need to be DELETED. My current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company response to consumer: Closed with non-monetary relief