vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
I discovered multiple 90-day delinquencies reported on my credit only after receiving a credit monitoring alert from my bank. I had not received any prior notices from the loan servicer and was completely unaware of the delinquency. 

Upon contacting the servicer immediately after being notified by my bank, I learned that all correspondence had been sent to an address I had not lived at for multiple prior residences. The servicer later provided a document acknowledging that all of their mail had been returned undelivered. Despite this, they did not attempt to contact me through my active phone number or explore alternate communication methods. even though my updated addresses appeared on my credit report and in XXXX records. 

As soon as I became aware of this issue, I contacted the servicer immediately, updated my information, made a double payment, and set up auto payments above the required minimum that have been withdrawn since. I also submitted a formal letter and all supporting documentation showing that I was never reasonably contacted before negative reporting. 

The servicer responded that the reporting was accurate. They failed to acknowledge the significance of the returned mail or their responsibility to reasonably notify me prior to reporting the delinquency, as required under the FCRA. 

I have an 8 year credit history with 100 % on time payments and excellent credit. These delinquencies have caused severe and unfair damage to my credit profile due to the servicer 's failure to ensure accurate and complete 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 2025-06-04 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: AZ

Complaint narrative:
I discovered multiple 90-day delinquencies reported on my credit only after receiving a credit monitoring alert from my bank. I had not received any prior notices from the loan servicer and was completely unaware of the delinquency.

Upon contacting the servicer immediately after being notified by my bank, I learned that all correspondence had been sent to an address I had not lived at for multiple prior residences. The servicer later provided a document acknowledging that all of their mail had been returned undelivered. Despite this, they did not attempt to contact me through my active phone number or explore alternate communication methods. even though my updated addresses appeared on my credit report and in USPS records.

As soon as I became aware of this issue, I contacted the servicer immediately, updated my information, made a double payment, and set up auto payments above the required minimum that have been withdrawn since. I also submitted a formal letter and all supporting documentation showing that I was never reasonably contacted before negative reporting.

The servicer responded that the reporting was accurate. They failed to acknowledge the significance of the returned mail or their responsibility to reasonably notify me prior to reporting the delinquency, as required under the FCRA.

I have an 8 year credit history with 100 % on time payments and excellent credit. These delinquencies have caused severe and unfair damage to my credit profile due to the servicer 's failure to ensure accurate and complete 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 non-monetary relief
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
I discovered multiple 90-day delinquencies reported on my credit only after receiving a credit monitoring alert from my bank. I had not received any prior notices from the loan servicer and was completely unaware of the delinquency. 

Upon contacting the servicer immediately after being notified by my bank, I learned that all correspondence had been sent to an address I had not lived at for multiple prior residences. The servicer later provided a document acknowledging that all of their mail had been returned undelivered. Despite this, they did not attempt to contact me through my active phone number or explore alternate communication methods. even though my updated addresses appeared on my credit report and in USPS records. 

As soon as I became aware of this issue, I contacted the servicer immediately, updated my information, made a double payment, and set up auto payments above the required minimum that have been withdrawn since. I also submitted a formal letter and all supporting documentation showing that I was never reasonably contacted before negative reporting. 

The servicer responded that the reporting was accurate. They failed to acknowledge the significance of the returned mail or their responsibility to reasonably notify me prior to reporting the delinquency, as required under the FCRA. 

I have an 8 year credit history with 100 % on time payments and excellent credit. These delinquencies have caused severe and unfair damage to my credit profile due to the servicer 's failure to ensure accurate and complete reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple closed accounts reporting inaccurately on my Experian credit report. 

The following closed accounts must be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received or used these accounts. They were closed without my action. They still report as closed by credit grantor and remain disputed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are redundant entries for a secured loan, fully paid and closed. They are still reported with dispute flags. 

Under : FCRA 611 ( a ) : Inaccurate, incomplete, or unverifiable information must be deleted.

FCRA 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 

These accounts are outdated, misleading, and unverifiable. I am requesting immediate permanent deletion of all closed accounts listed above Please.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Summary of Complaint : This is a formal complaint against American Express for : 1. Failing to apply a properly submitted payment to my account ; 2. Retaining and not returning a negotiable instrument issued in good faith ; 3. Misrepresenting the financial status of my account on monthly billing statements after receiving full payment ; and 4. Engaging in potentially unlawful securities practices by misreporting account balances and liabilities in violation of federal law. 

Case Background : On XX/XX/XXXX, a payment of {$25000.00} was sent to American Express XXXX XXXX Mail. XXXX confirmed the delivery on XX/XX/XXXX. This payment was issued in the form of a negotiable instrument intended to satisfy the outstanding balance. 

The following notices were subsequently submitted, including a Notice of Error, Notice of Default, and Notice of XXXX. American Express responded but did not apply the payment or return the original instrument. The account remains misreported as unpaid. 

This refusal to correct or update the account, despite acknowledging receipt of communication, is not only a violation of consumer protection law but also raises serious federal securities law concerns. 

XXXX XXXX Concern Misrepresentation of Accounts Under the Securities XXXX XXXX of XXXX, specifically Section 10 ( b ) and SEC Rule 10b-5, it is unlawful for any entity to make untrue statements of material fact or to omit material facts necessary to make statements not misleading in connection with the purchase or sale of any security. 

American Express operates in public financial markets and issues credit accounts which are securitized, traded, or leveraged as financial assets. By intentionally misrepresenting an account as unpaiddespite receipt of a lawful instrumentand potentially securitizing or reporting that account as a defaulted asset, American Express may be committing securities fraud.

In addition : The retention of the negotiable instrument without applying it or returning it may violate UCC 3-604, which defines discharge of obligation and prohibits mutilation or unauthorized retention.

Misreporting liabilities while engaging in structured finance can mislead investors and regulators regarding risk, value, and creditworthiness of securities backed by such receivables. 

American Express has been given multiple opportunities to resolve this matter in good faith. Instead, they have allowed the account to remain in dispute, potentially misrepresented the obligation internally or to third parties, and withheld or ignored evidence of lawful payment. Their continued misreporting not only violates consumer protection law but also may constitute securities fraud under federal statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following date ( 03/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-06-04 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: MN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following date ( 03/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX sent my name to the credit bureaus through The Credit management Company stating that I owe {$1400.00}. I have no knowledge of this debt nor was I contacted by anyone concerning a debt. I have always had medical insurance while in XXXX  and always pay my copay. This is a fraudulent claim and I would like this debt removed from my credit report because Im in the process of closing on a home. Thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 sending to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ], I request a thorough reinvestigation of the following accounts and entries, as they may be inaccurate, incomplete, or unverified XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXXXXXX XXXX XXXXXXXX Balance {$4800.00}

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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicing Solutions, LLC
State: NY

Complaint narrative:
I disputed a tradeline associated with an alleged auto loan from Servicing Solutions LLC ( Account ending in * XXXX ), which significantly damaged my credit. This account was never validated with a signed contract, itemized accounting, or proof of assignment. Despite multiple requests, XXXX and the furnishers failed to provide adequate documentation. 
I recently received official dispute results from XXXX ( Confirmation # XXXX, dated XXXX XXXX XXXX ), which confirmed that the same account was DELETED from my XXXX credit report. This deletion clearly demonstrates that Servicing Solutions failed to verify the debt, and therefore it should not have been reported or collected on by any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am the victim of identity theft. A credit card account was fraudulently opened in my name with Barclays Bank Delaware without my knowledge or consent. I did not authorize this account and have never held any accounts with Barclays. 

I have already placed a fraud alert with the credit bureaus and have frozen my credit. This account is negatively affecting my credit and financial well-being. I am requesting that Barclays Bank Delaware immediately close the account, cease any collection activity, and remove any negative reporting associated with it from my credit reports. 

I am submitting this complaint to formally initiate the dispute process. Barclays should investigate the identity theft claim and provide a written resolution. I am also requesting that Barclays provide all documentation associated with the application and usage of this fraudulent account. 

I reserve the right to escalate this issue under the Fair Credit Reporting Act ( FCRA ) and Identity Theft laws if it is not resolved promptly.

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 2025-06-04 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: NC

Complaint narrative:
I submitted disputes to Experian for multiple inaccurate, unauthorized, and unverifiable accounts and inquiries that are harming my credit profile. These include fraudulent entries from XXXX XXXX, XXXX XXXX, and other collections I did not authorize or recognize. I also disputed outdated personal information such as names, addresses, and past employers. I submitted my FTC Identity Theft Report and supporting documentation, but Experian has not removed these accounts. They are in violation of the FCRA and continue to report false and harmful data.

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 2025-06-04 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: FL

Complaint narrative:
This letter serves as a final and formal demand for action regarding your inaccurate and unverified reporting of a late payment to Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ONLY ON THE DATE OF THE REPORT CAN WE APPRECIATE YOUR INACCURACY. ) You responded to my previous dispute with the claim that the account was verified However, I did not request validation or accuracy. I explicitly requested the legal basis and supporting documentation required by law to classify the payment as 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 explanation
Consumer complaint received 2025-06-04 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:
This letter serves as a final and formal demand for action regarding your inaccurate and unverified reporting of a late payment to XXXX  XXXX XXXXXXXX XXXX TransUnion, XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXX/XX/year> * ( ONLY ON THE DATE OF THE REPORT CAN WE APPRECIATE YOUR INACCURACY. ) You responded to my previous dispute with the claim that the account was verified However, I did not request validation or accuracy. I explicitly requested the legal basis and supporting documentation required by law to classify the payment as 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 2025-06-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
I bought a card and checked my balance online and to my surprise the blocked my card or placed it on hold and when I called they customer service reps are nasty they do not know how to treat customers and they are telling me to wait over XXXX  days to use my card. I have kids to feed I dont have {$100.00} to waste around for day. This company need to stop using people in XXXX for customer services because they have no manners and no customer services. And I will get up everyday and file a report until this matter is addressed. Not to mention being placed on hold for over XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint against Bank of America regarding its refusal to honor a court-approved Small Estate Affidavit issued by the XXXX XXXX XXXX XXXX XXXX Texas, pursuant to Texas Estates Code 205. 

In XX/XX/XXXX, the affidavit was properly executed, signed, and approved by the probate court, and I submitted it to Bank of America along with receipts showing payment of known liabilities, as they initially requested even though such receipts are not required under Texas law. 

Despite this, Bank of America has refused to release the funds and is now demanding additional documentation specifically, proof of family history and receipts of paid liabilities again as a condition for releasing the account. 

Under Texas Estates Code 205.002, the small estate affidavit need only state the facts of the estate, the list of known liabilities, and the identity of the heirs. The law does not require that known liabilities be paid in full or that the affiant provide proof of family lineage beyond what is sworn in the affidavit. Once the affidavit is approved by the court, financial institutions are legally obligated to accept it and release the funds. Bank of America is not permitted to add further requirements beyond those outlined in the statute. 

XX/XX/XXXX I have already sent a letter to Bank of America referencing these legal obligations, yet the bank continues to delay with additional document request for the proof of paid liability. This refusal is causing unnecessary hardship and appears to be in direct violation of Texas law. 

I respectfully request that your office investigate this matter and require Bank of America to fulfill its legal obligation to accept the certified affidavit and release the funds as required by law. 

Please let me know if additional information or documentation is needed.

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