vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Springs Oak Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Dispute & Civil Liability under 15 U.S.C. 1681o - Negligent Noncompliance To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my consumer credit report issued by your organization. The specific account ( s ) in question is/are : Spring Oak Capital LLC , XXXX I have previously notified you of these inaccuracies and provided sufficient documentation evidencing the errors, yet you have failed to perform a reasonable investigation as required by law, resulting in the continued reporting of inaccurate, misleading, or incomplete information.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), you are liable for civil damages for negligent noncompliance with the FCRAs requirements. Your failure to correct and remove this inaccurate information after proper notice constitutes negligent noncompliance. Due to this negligence, I have suffered measurable damages, including but not limited to [ list any damages like credit denials, higher interest rates, emotional distress, etc. ].

I hereby demand that you : 1. Immediately conduct a proper and reasonable reinvestigation of the disputed account ( s ).

2. Delete or correct the inaccurate information as required by the FCRA.

3. Provide me with an updated copy of my credit report reflecting these changes.

4. Cease any further reporting of inaccurate or unverifiable information regarding this/these account ( s ).

Please be advised that failure to comply with these obligations may subject you to legal action, including seeking statutory and actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1681o.

I expect your response within 30 days, as mandated by the FCRA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-28 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I'm XXXX XXXX XXXX. This letter is to notify you that the account below was opened fraudulently in my name. I checked my credit file in XXXX, found XXXX collection accounts, immediately reported fraud with all three credit bureaus, and contacted both collection agencies. XXXX XXXX responded with statements from the original creditor ( the statements did not have my address that I've lived at for over 15 years, but some address in.Florida. 

I sent XXXX XXXX XXXX affidavit and an FTC fraud affidavit, but they refuse to remove this from my credit file. 

I don't have any facts or ideas regarding who is responsible for opening this account in my name.

Please remove this fraudulent collection account from my credit file with the three credit bureaus. This has been a very frustrating experience.

Finally, will someone update me when you have removed this account from my credit file? 

I await your reply. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I had paid for a program with company that paid for my payments bc of being unemployed due to medical reasons. And then I after that was over which I didnt know it only lasted a certain amount of time I thought it paid off debt, then I have been hassled to pay back balance which I had tried to do but can no longer due. So now Im getting threatening phone calls that Im going to be sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I signed up for a Chase Freedom XXXX credit card on XX/XX/year> with my first statement being ran XX/XX/year>. I signed up during a promotional period where chase was offering Double cash back at the end of your 12 months : " With this offer you will receive a one-time bonus equal to all Cash Back rewards earned during your first 12 monthly billing cycles from account opening with your Chase Freedom Unlimited card. ... Please allow XXXX to XXXX weeks from the end of your XXXX monthly billing cycle for bonus XXXX Back rewards to post to your account. '' I did not receive my rewards. I called customer service around XXXX and was INFORMED it would be applied to my XXXX statement. I never received the matched offer. I then called back XXXX additional times and customer service said the promotional opportunity is not on my account which does not align with what I know I signed up for and the first customer service rep in fact said it was on my account. 

Due to the phone operators not providing any support or resolutions I choose to message in. I was again informed it was not on my account. I requested from the customer service representative to provide me with the terms of the promotional opportunity sharing when it expired to indicate whether i signed up for it or not. I was informed i would receive a response within XXXX business days. It has been XXXX business days and I reached out again. They have still not provided me with the expiration of the promotional opportunity that I believe I signed up for and am eligible to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-28 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting a false account from XXXXXXXX XXXX XXXX on there report as a collection

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 2025-03-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 inaccurate.

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 2025-03-27 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: FL

Complaint narrative:
This is not the first time Ive disputed these unauthorized accounts, yet they continue to appear on my credit report. I have never opened or authorized these accounts, and my repeated attempts to have them removed have been ignored or mishandled. These accounts are causing serious damage to my financial and personal well-beingsuch as denials for credit, increased interest rates, and loss of housing opportunities. Under the Fair Credit Reporting Act, 15 U.S.C. 1681b, consumer reports may only be furnished with a valid permissible purpose, which was never obtained in this case. Furthermore, under 15 U.S.C. 1681e ( b ), consumer reporting agencies are legally obligated to maintain strict procedures to ensure maximum possible accuracy. These accounts violate that obligation. Continued reporting after multiple disputes shows clear willful noncompliance with the FCRA, for which you may be held liable under 15 U.S.C. 1681nup to {$1000.00} per violation. I am demanding immediate and permanent deletion of all unauthorized accounts from my credit file, and written confirmation that my file has been corrected. Any further failure to act will result in escalation through legal or regulatory channels.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I am writing to formally file a complaint about an issue that has been ongoing for over two weeks regarding the points I used to book a hotel stay, which I had to cancel due to a family emergency. I am extremely frustrated with the lack of resolution and the continued delays in resolving this matter.

I booked my hotel stay using points accumulated from my Chase credit card spending. Due to unforeseen circumstances, I had to cancel the vacation within the hotel 's free cancellation window. The hotel owner was kind enough to assist in canceling the reservation on my behalf, and they advised me to reach out to Chase to finalize the process of having my points returned because they could not do that.

However, despite following all required steps and providing the necessary information, I have not received any resolution. It has now been over two weeks, and I have spent a significant amount of time ( more than seven hours on the phone ) and exchanged numerous emails with no outcome. This situation is unacceptable, and I am still waiting for the points to be reinstated to my account. 

As a loyal customer, I believe that I am fully entitled to have my points returned to me. The points I used for this booking are valued at over {$700.00}, and I earned them through my legitimate spending on the Chase credit card. I followed all applicable policies and canceled the reservation in accordance with the hotel 's terms. The failure to resolve this issue and return the points is both frustrating and concerning, as it feels like an instance of fraudulent and abusive behavior.

I want to rebook but dont have my points returned. Chase is delaying my ability to freely use my points

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I am a customer of USAA. I keep getting email notices of another USAA customers bank transactions. USAA allows customers to add email address ( which can be used to change your password ) without validating the email address belongs to them. I have brought this to their attention twice but they admin that this is problem but then tell me there is nothing that they can do. Banks should have a minimum level of security in order to secure the accounts from ilegeal access and this does not meet the minimum requirements.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was surprised to find inquiries from your company on my credit report that I never approved. I am very cautious with my personal and financial information, so seeing these inquiries was both frustrating and concerning.

Company response to consumer: Closed with explanation