vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Disputed charge with a merchant XXXX XXXX  ) which, in my opinion was made fraudulently. Could not resolve with merchant so i disputed charge with card processing company. 

Dispute is based upon cancellation policy which was provided at time of transaction. Mechant Policy was followed but after cancellation was complete, merchant changed their cancellation policy and claimed customer became ineligible for refund. 

Transaction was completed XX/XX/XXXX. Charge cost was {$4800.00}. Policy at time of booking said free cancellation full refund for 48 hours. Cancellation was made within 48 hours. 

Credit card company Capital One XXXX XXXX XXXX XXXX XXXX XXXX Utah requested and received supporting documentation. Request was denied as not all data fits their specific required format. 

Consumer provided sufficient data to support claim. Capital One reps refuse to proceed with the review as data provided is not available in a specific format they require. 
Consumer has requested that data provided be reviewed as content supports the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
I am writing to dispute the following unauthorized credit inquiries that appear on my credit report, which I received on [ Date of Report ]. I have circled the disputed inquiries on the attached copy of my credit report. 
Inquiry. 1 : [ XXXX XXXX XXXX - [ Date XX/XX/year> ] - I did not authorize this inquiry neither was i there in personal to authorize any sales. 
Inquiry 2 : [ XXXX XXXX XXXX ] - [ Date XX/XX/year> ] I did not authorize this inquiry neither was I there in person for any sales. 

I request that you remove these inquiries from my credit report as they are inaccurate and negatively impact my creditworthiness. I am also requesting that you provide me with a copy of my updated credit report once these inquiries have been removed. 

Please investigate this matter thoroughly and respond within 30 days with the results of your investigation and a copy of my updated credit report. 
Thank you for your time and 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
Consumer complaint received 2025-03-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX CO Account number - XXXXXXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-03-23 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX CO Account number - XXXXXXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened a credit card with Comenity Capital Bank on XXXX website. They said I could use it in store the same day. I went in and got my XXXX XXXX XXXX They could not use the card or look it up. The store manager was on the phone for over an hour getting it taken care of. This company made him call 2 numbers back and forth. Each saying the other number had to help him. I ended up having to owe them until the card came in and I used it then. That should have clued me in on how awful this card company would be. Later I paid off the card. After I paid off the card I was charged a little under {$5.00} in interest. I did not realize I owed anything as I had paid off the card. They then charged me a {$37.00} late fee. Then by the time I realized I was being charged by the company still it had incurred another late fee of over {$37.00} was charged. I spoke with their collection team today and I told them that I would pay one late fee and the {$5.00} owed in interest previously. They declined and said they could only take off {$15.00}. So I owed {$5.00} in interest and now they say I owe them over {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: LEXISNEXIS
State: MO

Complaint narrative:
Subject : **Dispute of Bankruptcy Public Record & Monetary Settlement Demand** Dear XXXX, I am writing to formally dispute the *XXXX XXXX bankruptcy** listed on my credit report. The information reported is **inaccurate, unverifiable, and non-compliant** with **XXXX XXXX XXXX* and the **Fair Credit Reporting Act ( FCRA ) **. 

XXXX XXXX XXXX XXXXXXXX. Bankruptcy Reporting is Unverifiable ( FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) ) ** According to the **FCRA**, credit reporting agencies ( CRAs ) must ensure the information they report is **verified and accurate**. **Bankruptcy courts do not furnish information to credit bureaus**they only maintain records. Since XXXX did not obtain the bankruptcy record **directly from the court**, this entry **must be deleted immediately**. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Compliance Failures** The following compliance failures exist in the reporting of the bankruptcy : | **Field** | **Violation** | **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 XXXX XXXX XXXX XXXX  Source of Bankruptcy | No direct court verification | 001 Data Source Invalid | | ECOA Code ( Field 16 ) | Missing or incorrect classification | 008 Incorrect ECOA | | Compliance Condition ( Field 19 ) | Improperly coded public record | 019 Compliance Code Error | | Date of Filing | Inaccurate or unverifiable | 007 Date Mismatch | | Public Record Validation | No official court source listed | 029 Invalid Public Record | | Date of First Delinquency | Mismatch with court records | 014 DOFD Mismatch | | Consumer Information Indicator | Incorrect bankruptcy status | 013 Incorrect Consumer Status XXXX XXXX XXXX XXXX XXXX  XXXXegal Grounds for Immediate Deletion** - **FCRA 1681e ( b ) ** : Requires CRAs to maintain **maximum accuracy**. 
- **FCRA 1681i ( a ) ( 5 ) ( A ) ** : If XXXX ** can not verify** the bankruptcy with the **original furnisher ( the court itself ) **, it must be **deleted**. 
- **Metro XXXX Compliance** : XXXX XXXX*failure to adhere to CDIA ( Consumer Data Industry Association XXXX XXXX XXXX XXXX is a **violation** of the **FCRA**. 

XXXX XXXX XXXX XXXXXXXX. Demand for Deletion & Monetary Compensation** Due to these violations, I am demanding : 1. **Immediate deletion** of the bankruptcy from my XXXX credit file. 
2. **Monetary settlement of $ XXXX for willful and negligent non-compliance under **FCRA 1681n** and ** 1681o**. 

If this matter is not resolved within XXXX days**, I will escalate this complaint and take legal action. ** Please provide written confirmation of the deletion at your earliest convenience. 

Sincerely, *XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid {$150.00} deposit on a hotel room which I never received after I checked out ( XX/XX/XXXX ). I filed a claim with cash app and they denied it two days later without a proper investigation. I then called customer service again and asked to speak with supervisor and gave them the information again just to be told I can only communicate with a supervisor through e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX XXXX ) XXXX XXXX I am writing to formally dispute the closure of accounts on my credit report, which appears to be fraudulent and/ or a result of identity theft. I recently discovered that account numbers XXXX Equifax XXXX XXXX XXXX XXXX has been reported closed under circumstances that are legitimate. i did not authorize this account closer, and I believe it may be linked to fraudulent activity. 
under the Fair Credit Reporting Act ( FCRA ), I request that Equifax conduct a thorough investigation into this matter. i would like to be provided with all supporting documents that led to this closure, as well as any relevant information regarding who authorized it. This account was fraudulently closed identity theft or my information being exposed from the Equifax breach I request that it be immediately corrected or removed from my credit report. 
Please resolve this matter as so as possible and confirm in writing that the incorrect information has been removed or corrected. 
Thank you for your prompt attention to this serious issue. i expect a response within the timeframe outlined in the FCRA sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the COVID-19 outbreak I applied for EDD unemployment and was issued an EDD BANK OF AMERICA DEBIT CARD. It was mailed but I never received it because someone had stolen the mail before I could get it not only that but all my personal and sensitive information was was stolen at the same time I reported this to both EDD and Bank of America and have not received any help or information. Both claim they are not responsible and both tell me to refer to the other. Both keep transferring me to somebody they claim that can help me but when I'm transferred that person tells me that this is the wrong department and they transfer me back to where I started both of them are guilty of this like I said I've contacted both of them continuously for the last several years. I'm trying to file a claim for my money that was stolen. I have yet to get any help

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX TX. XXXX Subject : Request For Removal of Inaccurate/Incorrect Addresses And Removal Of Inaccurate/Incorrect Name Spelling Dear Experian, I was looking over my credit report and found some addresses that appear to be incorrect. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( a ) ( 4 ). There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a request for the consumers right to privacy. Ive enclosed documentation providing proof of my current address, as instructed to do. To make the process of deletion easier. 

Here is a list of the inaccurate/ incorrect addresses that I currently seeing listed. That I would like removed immediately 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 There should only be one address listed on my credit report, which is listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed. My name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once you have deleted the Inaccurate Addresses and Misspelled Names from my credit report, please send me a copy of my updated report. 

Sincerely, 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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 non-monetary relief
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I would like the inquieries on my credit report removed these accounts are non active accounts, these where not authorized 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My autopay is set on my account. The app and pdf statements show payments/credits meeting the required amount. I have called multiple times, I have been hung up on two times, no representative can explain how their system continues to increase my balance and not reflect the payments/credits that have been made. Two representatives stated that from what they were able to see the account should reflect as current. I spoke to a representative during a call early in the week of XX/XX/XXXX who told me that the issue would be resolved within 24 to 48 hours and my balance would reflect correctly, although she did say that it would take a month to clear the delinquency from my credit reports. Nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV FUNDING Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$160.00} Balance updated XX/XX/XXXX Original balance {$160.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. Comments Placed for collection - Your statement Contact info Name LVNV FUNDING LLC Address XXXX, SC XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX LVNV Funding, LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Chain of Assignment and Forward Flow Agreement Dear Sir/Madam, I am writing to formally request the chain of assignment and forward flow agreement related to the account allegedly associated with me. I would appreciate receiving all documentation that details the complete transfer of ownership of this account from the original creditor to LVNV Funding, LLC, including : Chain of Assignment : Documentation showing the transfer of ownership, including the original sale and any subsequent assignments. 

Forward Flow Agreement : A copy of the agreement outlining the terms and conditions under which the account was transferred.

Please consider this a formal request under applicable federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ). I look forward to receiving these documents within the legally mandated timeframe. 

If you require any further information to process this request, please feel free to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
I am writing to dispute several accounts listed on my credit report that are inaccurate and unverifiable. These accounts have been previously disputed, yet they have been returned as verified without any tangible evidence or proof that the information being reported is accurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit file is 100 % accurate and verifiable. 

The following accounts are being disputed 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 Under 15 U.S. Code 1681i , the FCRA requires credit bureaus to conduct a reasonable investigation when a consumer disputes the accuracy of an item. However, you have failed to provide me with any proof or documentation from the data furnisher to substantiate these accounts as valid. Simply marking the accounts as verified without any supporting evidence is not a reasonable investigation as required by law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are obligated to ensure maximum possible accuracy in my credit file. Without documented proof of the debts, these accounts can not legally remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
The account was closed four years ago and now all of a sudden theyre gon na start calling me again and harassing me

Company response to consumer: Closed with non-monetary relief