vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
My information was exposed in multiple data breaches with XXXX XXXX XXXX, and XXXXXXXX XXXX and XXXX. All my information has been used to open fraudulent accounts. I found many inaccurate and negative items on my credit report that have been tied to these data breaches in the last few years. I contacted the furnisher to investigate, and I received no verifiable response, and I am requesting a full Investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692g. I demand proof under section 611 of the FCRA. I dispute the validity of the alleged debt listed below entirely. I also requested the ORIGINAL PURCHASE AGREEMENT. I demand that they provide the agreement with the original creditor, signed by both parties involved. I am requesting this because my identity was used to open accounts without my knowledge or authorization, and now different companies are reaching out to me regarding these alleged debts. These companies are required to provide proof of how they are verifying the information being reported on my credit. This will help in the investigation of who is using my identity to make these purchases, and to ensure the creditors are following the laws and protecting their customers ' information. If the items listed can not be verified within 15 days, please follow the FCRA Laws, and please remove these unverifiable items immediately. 
XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX - XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX - XXXXXXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Credit Systems International, Inc.
State: GA

Complaint narrative:
My information was exposed in multiple data breaches with XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX All my information has been used to open fraudulent accounts. I found many inaccurate and negative items on my credit report that have been tied to these data breaches in the last few years. I contacted the furnisher to investigate, and I received no verifiable response, and I am requesting a full Investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692g. I demand proof under section 611 of the FCRA. I dispute the validity of the alleged debt listed below entirely. I also requested the ORIGINAL PURCHASE AGREEMENT. I demand that they provide the agreement with the original creditor, signed by both parties involved. I am requesting this because my identity was used to open accounts without my knowledge or authorization, and now different companies are reaching out to me regarding these alleged debts. These companies are required to provide proof of how they are verifying the information being reported on my credit. This will help in the investigation of who is using my identity to make these purchases, and to ensure the creditors are following the laws and protecting their customers ' information. If the items listed can not be verified within 15 days, please follow the FCRA Laws, and please remove these unverifiable items immediately. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT SYSTEMS INTL IN 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have been receiving emails stating that I have opened bank accounts with US Bank and XXXX. I have NOT made accounts with either of these banks or any others recently. They have both been opened XX/XX/scrub> 2025.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against First Advantage, a background screening company, due to their unprofessional handling of a dispute I submitted regarding incorrect information reported in my background check.

On multiple occasions, I contacted First Advantage to dispute inaccurate information that appeared in a background report. I supported my dispute with official court documents proving that the reported information was either outdated or incorrect. 

Despite this, my concerns were dismissed without proper investigation. The representative I interacted with, XXXX XXXX XXXX, initially offered a scripted response and referred me to the XXXX XXXX team. I followed through and submitted my documents via the channels provided phone, email, and fax. However, the issue remained unresolved, and the disputed information continued to appear unchanged in my background report. 

I believe that First Advantage has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), particularly regarding the proper handling of consumer disputes and reinvestigation of reported inaccuracies. 

I am seeking the following resolution : A thorough reinvestigation of my dispute with full consideration of the court documents I submitted.

Immediate correction or removal of the inaccurate information from my background report.

Written confirmation that my dispute has been resolved in compliance with FCRA requirements.

I have made every reasonable effort to resolve this matter directly with the company, but due to the lack of cooperation and dismissive responses, I feel compelled to escalate my complaint through your office. 

I appreciate your attention to this matter and hope that your intervention will help bring a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
The letter, word-for-word, from Radius Global Solution, LLC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Information Regarding Your Account Dear XXXX XXXX XXXX, We recently received a request for information regarding your creditcard account with XXXX XXXX, XXXX.. Please be advised that the above accounthas been vclosed with Radius and returned to XXXX XXXX. We are happy to providethe information, which is validas of XX/XX/XXXX. For further account information please contact XXXX XXXX at XXXX. 
XXXX XXXX XXXX XXXX & date : {$7.00} on XX/XX/XXXX XXXX. {$2500.00} Last Payment & date {$50.00} on XX/XX/XXXX Additional account documents may be enclosed Sincerely, Radius Global Solutions ~~This has violated FCRA rules and other guidelines : Laws Violated 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 807 ( False or Misleading Representations ) : If the debt collector sells the account back but continues to report it as if they still own it, thats misrepresentation.

809 ( b ) ( Failure to Validate ) : If you requested validation and instead of validating, they transferred the debt back, they did not fulfill their legal obligation.

808 ( Unfair Practices ) : Selling the debt back without notice while continuing to demand payment could be considered an unfair or deceptive practice.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 623 ( a ) ( 1 ) ( A ) : Furnishers ( debt collectors ) may not report inaccurate information. 
If both the original creditor and the debt collector are reporting the same debt, this could be double reporting, which is inaccurate.

611 ( Dispute Procedure ) : If you disputed with the bureau and the collector then sold the debt instead of verifying, they failed their duty to investigate.

623 ( a ) ( 3 ) : If you disputed, they must mark it as disputed by consumer. If they dont, its a violation.

605 ( c ) : The delinquency date cant be changed. If the debt is sold back and re-aged to look newer, that is a violation.

3. Consumer Financial Protection Act ( Dodd-Frank, Title X ) 12 U.S.C. 5531 UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : Transferring the debt back and forth without clarity can be considered abusive, since it confuses consumers about who owns the debt and how much is owed. 

This request should have also had the request of assignment contract and it should include the permissable purpose.

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 2025-09-15 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
At the beginning of XXXX I opened an American Express XXXX XXXX credit card. One of the reasons I selected that card was the special promotional offer being given, earn XXXX bonus point if {$20000.00} is spent in the first three months. Upon receiving the card I spoke with a representative who could not verify that I had received the promotional offer. They stated I would need to wait 5-7 business days before it would be visible. At that time I took a screenshot of the American express website page, where I had signed up - as some evidence of the offer. I have attached the screenshot to this complaint. The card also has a large yearly fee, but the bonus points help to offset that cost. I trusted the information from their website, and the cardholder agreement which stated I would be notified if I didn't qualify for the welcome offer prior to being issued the card. I began using the card and I've already purchased almost {$10000.00} worth of goods for my business using their card, as intend to achieve the threshold of {$20000.00} spent in the first three months and the XXXX bonus points. I called again today since it has been 7 business days and was told I have received a welcome offer of XXXX bonus points for spending {$20000.00} in the first three months instead of the XXXX that was advertised. Now that I've activated and used the card I incur a {$690.00} membership fee so I have to trust that they will make good on the offer they advertised. Had I been told up front that the offer is only XXXX I would have declined the card! I have an open case with the company and hope they will resolve the issue but this complaint is being registered so others can become aware of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Ive credit problems in the past. But last few years I've tried very hard. I have paid my XXXX that was reported to collection agency. 
Everything on my credit report that was included in my bankruptcy 4 years ago is also broken down individually. Like its additional accts. 
XXXX XXXX XXXX XXXX is showing up on XXXX XX/XX/XXXX. It was XXXX and a half years ago. It was a late fee that was paid by XX/XX/XXXX. Why is it still showing up? Also my Experian report says it hasn't been updated since XXXX. 
Credit scores are very important. Its part of who we are and how we handle ourselves. Ive had it very rough. But trying so hard. But the people that work at the credit agencies and credit wise. They are doing what they should. Its a very important part of our lives. Its almost like why try to be a better person and work hard. If it isn't going to show. Because people in those agencies aren't doing their jobs. Im almost XXXX. XXXX trying to right any wrong ive done over my life. But its not showing. There's so many wrongs on my reports. But no corrections. Ive disputed lots of times. My hard work and scores are in the hands of someone not doing their job.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Ive credit problems in the past. But last few years I've tried very hard. I have paid my XXXX that was reported to collection agency. 
Everything on my credit report that was included in my bankruptcy 4 years ago is also broken down individually. Like its additional accts. 
XXXX XXXX XXXX XXXX is showing up on XXXX XX/XX/XXXX. It was 4 and a half years ago. It was a late fee that was paid by XX/XX/XXXX. Why is it still showing up? Also my XXXX  report says it hasn't been updated since XXXX. 
Credit scores are very important. Its part of who we are and how we handle ourselves. Ive had it very rough. But trying so hard. But the people that work at the credit agencies and credit wise. They are doing what they should. Its a very important part of our lives. Its almost like why try to be a better person and work hard. If it isn't going to show. Because people in those agencies aren't doing their jobs. Im almost XXXX. Im trying to right any wrong ive done over my life. But its not showing. There's so many wrongs on my reports. But no corrections. Ive disputed lots of times. My hard work and scores are in the hands of someone not doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My Experian account was compromised by an identity thief who gained control using an old phone number I no longer possess. The attacker changed my account email to a fraudulent address and locked me out completely. This is the second breach of my account, indicating serious security failures. 

Experian 's Response : On XX/XX/year>, I received instructions from Experian requiring me to submit : -Government-issued ID -Proof of address ( utility bill ) -Social Security card -Cover letter with case details I immediately provided ALL requested documentation via upload on XX/XX/year>. Despite full compliance, Experian has : - Failed to respond to my submissions- Not deleted the compromised account as promised - Left the attacker in control of my credit information - Provided no timeline for resolution Current Harm : - I can not monitor my credit during active identity theft - The attacker has access to my credit reports and personal information- I can not place proper fraud alerts through my account - Each day of delay increases my risk of financial fraud- I've spent countless hours trying to reach live support without success

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 2025-09-14 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: GA

Complaint narrative:
I had covid XXXX and was hospitalized XXXX  times. I called them they stated they can take it off if I send documents. I sent it still report late. Then all of the time the rep can not understand XXXX. Then they have you on the phone all most all day just trying to explain. XXXX does payment are misunderstanding from the rep. They only got XXXX way to make a payment that is a check. Even if you want to make a credit or debit payment you have to call and be XXXX  all over the place then charge a fee. I think they try to mess you XXXX just for the company to charge you a late fee. XXXX XXXX IS THE WORST COMPANY. The rep do not nor can XXXX  speak nor understand XXXX. XXXX  XXXX  to erase them late fees. I even try to make several payments and they had my checking account information blocked on their payment platform. Then kept on blaming it on my bank. So I then have to find a way to use another bank or pay a fee using a card. They have cause me to have multiple late fees. With my job I can not be on the phone. Then they do not open on the 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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had XXXX  4times and was hospitalized 3 times. I called them they stated they can take it off if I send documents. I sent it still report late. Then all of the time the rep can not understand English. Then they have you on the phone all most all day just trying to explain. 0All does payment are misunderstanding from the rep. They only got 1 way to make a payment that is a check. Even if you want to make a credit or debit payment you have to call and be tranfer all over the place then charge a fee. I think they try to mess you up9 just for the company to charge you a late fee. XXXX XXXX IS THE WORST COMPANY. The rep do not nor can harderly speak nor understand English. need then to erase them late fees. I even try to make several payments and they had my checking account information blocked on their payment platform. Then kept on blaming it on my bank. So I then have to find a way to use another bank or pay a fee using a card. They have cause me to have multiple late fees. With my job I can not be on the phone. Then they do not open on the Weekend.

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 2025-09-14 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-09-14 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: PA

Complaint narrative:
This account does not belong to me. I did not authorize it. Block immediately under the FCRA. Do not proceed with the regular dispute process. Refer to FCRA section 605B. All required documents are attached. Please refer to my ID and bill. After speaking to the represent the account was opened in Texas with a Texas address. I never lived in Texas.

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 2025-09-14 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charge-off account reported under my name. After reviewing my credit file, I have reason to believe that this account is being reported in violation of applicable laws and procedures. 

Specifically, I contend that this account is invalid due to improper handling within the securitization process. Once a debt is securitized and sold into a trust or to investors, the originating creditor and subsequent servicers may no longer retain proper ownership or rights to report, collect, or charge off the account in the manner currently reflected on my credit file. Reporting this account as a charge-off appears to be inconsistent with the chain of title, ownership rights, and governing securitization agreements. 

Under the FCRA 15 U.S.C. 1681, I request that you : 1. Provide verification and validation of the legal right to report and collect on this account, including documentation proving the creditor 's ownership interest following securitization.

2. Investigate and remove this account if proper verification can't be produced.

3. Ensure that all reporting complies with the accuracy and fairness standards required by law.

Please consider this letter a formal dispute. I expect your reinvestigation and response within the required timeframe under the FCRA. If you can not verify the accuracy and lawful reporting of this charge-off, it must be deleted from my credit report immediately. 

Thank you for your prompt attention to this matter.

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