vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
XXXX  has repeatedly and willfully violated the Fair Credit Reporting Act ( FCRA ) and Alabama consumer protection law by failing to conduct timely reinvestigations and by deliberately misclassifying valid disputes as potential fraud to conceal their noncompliance. 

Three disputed accounts, furnished by BMW Financial Services and XXXX XXXX XXXX were submitted through the CFPB on XX/XX/XXXX. XXXX  failed to complete its reinvestigation within the required 30-day period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and also failed to provide a response within the 60-day CFPB response window. 

On the final day of the 60-day deadline, XXXX  falsely closed the complaints as potential fraud, a tactic clearly used to avoid accountability for missing the statutory deadlines ( reference CFPB complaints XXXX ( XXXX XXXX XXXX account ) and XXXX ( 2 BMW accounts ). This was not a legitimate fraud determination, as all supporting documentation had already been verified through previous identity and address submissions. XXXX  used this false fraud label as a procedural loophole to reset the clock and suppress consumer feedback a deceptive practice that violates the intent of the FCRA and undermines the CFPBs dispute process. 

XXXX  conduct violates but not limited to : -FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy. 
-FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

-FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a method of verification.

-FCRA 605 ( a ) : Reporting obsolete information beyond the 7-year limit.

-FCRA 1681n and 1681o : Willful and negligent noncompliance. 

The evidence shows factual impossibilities : late payments in XXXX on a lease that ended in XXXX, contradictory balances and payment histories across bureaus, and closed accounts marked delinquent after payoff. These facts prove XXXX  never performed a lawful reinvestigation as required. 

Federal courts have long held that credit bureaus can not simply rely on a furnishers word when obvious inaccuracies exist ( XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ; XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) ). 

In addition, XXXX  repeated failures to investigate, coupled with its deceptive closure tactic, constitute unconscionable and deceptive acts under the Alabama Deceptive Trade Practices Act ( Ala. Code 8-19-5 ( 27 ) ) and violations of the Alabama Consumer Credit Act ( Ala. Code 5-19-19 ) for failing to properly address billing and reporting disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX  has repeatedly and willfully violated the Fair Credit Reporting Act ( FCRA ) and Alabama consumer protection law by failing to conduct timely reinvestigations and by deliberately misclassifying valid disputes as potential fraud to conceal their noncompliance. 

Three disputed accounts, furnished by XXXX XXXX XXXX and Comenity BankXXXX XXXX were submitted through the CFPB on XX/XX/XXXX. XXXX  failed to complete its reinvestigation within the required 30-day period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and also failed to provide a response within the 60-day CFPB response window.

On the final day of the 60-day deadline, XXXX  falsely closed the complaints as potential fraud, a tactic clearly used to avoid accountability for missing the statutory deadlines ( reference CFPB complaints XXXX ( Comenity / XXXX  account ) and XXXX ( XXXX XXXX accounts ). This was not a legitimate fraud determination, as all supporting documentation had already been verified through previous identity and address submissions. XXXX  used this false fraud label as a procedural loophole to reset the clock and suppress consumer feedback a deceptive practice that violates the intent of the FCRA and undermines the CFPBs dispute process. 

XXXX conduct violates but not limited to : -FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

-FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

-FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a method of verification.

-FCRA 605 ( a ) : Reporting obsolete information beyond the 7-year limit.

-FCRA 1681n and 1681o : Willful and negligent noncompliance. 

The evidence shows factual impossibilities : late payments in XXXX on a lease that ended in XXXX, contradictory balances and payment histories across bureaus, and closed accounts marked delinquent after payoff. These facts prove XXXX  never performed a lawful reinvestigation as required. 

Federal courts have long held that credit bureaus can not simply rely on a furnishers word when obvious inaccuracies exist ( XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) ). 

In addition, XXXX  repeated failures to investigate, coupled with its deceptive closure tactic, constitute unconscionable and deceptive acts under the Alabama Deceptive Trade Practices Act ( Ala. Code 8-19-5 ( 27 ) ) and violations of the Alabama Consumer Credit Act ( Ala. Code 5-19-19 ) for failing to properly address billing and reporting disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have not been supplied proof under the doctrine of estoppel by silence, XXXXXX/XX/XXXX ( XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt not therefore any such debt in fact therefore exist with this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I went the my bank on Saturday to get a cashiers check to pat my rent and my account had a freeze of {$910.00} .. it said court levy which I have no dealings with any court other then recieving child support .. when XXXX uploaded the letter to my account it showed some company calledXX/XX/XXXX so IXX/XX/XXXX this company and shows credit card collection agency. I have never had a credit card in my life. Only auto and personal loans. I have been the victim of identity theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: OR

Complaint narrative:
A total of {$1800.00} was fraudulently taken out of my employer issued rewards debit card managed by North Lane. The transactions occurred between the dates of XX/XX/year> to XX/XX/year>. I contacted the debit card issuer through chat, phone and Fax. I got a response that the complaint was closed due to the time elapsed between the first fraud transaction and my report. I was collecting the rewards to use at an upcoming life milestone so was not checking the balance daily since I never used the card. There are a few others at my company in the same situation where their rewards account have been drained out and North Lane refuses to do anything about it. Since I never used the card, the security breach has to be on their side and they should at least try and fix that in addition to reimbursing multiple folks who seem to be getting defrauded of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: Nelnet, Inc.
State: VA

Complaint narrative:
i had the late payments in the past now it is not late. could you please help to remove the late payments of past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND MUST BE REMOVED IMMEDIATELY

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 2025-10-27 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: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the following negative items and inquiries listed on my Equifax credit report. These accounts violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ), as well as the Metro 2 data reporting standards. 
Negative Accounts to be Investigated and Deleted : XXXX. XXXX o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged Off / Collection o Violation : Improperly reported derogatory account ; no current balance but listed as active derogatory. 
XXXX XXXX  o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  o XXXX : Closed but includes XXXX XXXX and multiple late payments o Violation : Inconsistent with FCRA 607 ( b ) ; should be excluded under 605 ( a ) ( 5 ) due to age and paid status. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Charged Off / Collection o Violation : Includes excessive XXXX delinquencies ; charged off yet balance remains. 
Hard Inquiries Not Tied to Any Open/Positive Accounts : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding how Capital One Bank handled my dispute for a fraudulent XXXXl transaction . 

On XX/XX/year>, I purchased an XXXX XXXX XXXX ( XXXX ) from an XXXX seller under the username XXXX for {$330.00}, paid through XXXX. The package, delivered via XXXX on XX/XX/year>, contained video game CDs and an old watch instead of the XXXX I ordered. 

I immediately reported the issue to XXXX, but the seller refused to provide a return address or shipping label and later deleted their XXXX account, making further contact impossible. 

On XX/XX/year>, I opened a dispute with Capital One ( my card issuer ) and was instructed to submit supporting documents. I sent the evidence immediately after their requestwell within the time allowedbut later received a letter dated XX/XX/year>, stating my evidence was received late. As a result, Capital One closed my case and reversed the refund, even though I can clearly prove my submission was on time. 

Attached are the following documents for your review : XXXX order confirmation and XXXX XXXX XXXX XXXX delivery proof Photos of incorrect items received My email submission to Capital One with visible timestamps Capital Ones XX/XX/year> denial letter This was a clear case of fraud and non-receipt of goods, and I have cooperated fully throughout the process. The denial appears to be due to an internal delay or mismanagement by Capital One, not any failure on my part. 

I respectfully request that the CFPB assist in ensuring Capital One reopens my dispute and reviews the case properly, taking into account the timely evidence I submitted. 

Thank you very much for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit report a lot of negative items. I dont recognize.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to file a formal complaint concerning the negative impact on my credit as a direct result of the TransUnion data breach, which was announced in XX/XX/year>. I tried to file a complaint with the Federal Trade Commission, but as of the date of this letter, the federal government has been shut down due to a lapse in funding. 

Following the data breach, I observed fraudulent financial activity and a subsequent drop in my credit score. To date, I have reported fraudulent financial activity to various banks and financial institutions and believe my identity may have been compromised due to XXXX data breach. I believe these inaccuracies on my credit report are directly linked to the exposure of my personal information and TransUnion 's failure to adequately protect consumer data. 

I have already taken the following actions to address this issue : I placed a credit freeze on my credit files with TransUnion. 
I downloaded the TransUnion application to my mobile phone but am unable to access my credit files online. I am also unable to access my credit files via the TransUnion website, after calling their XXXX number to report the problem. 
I have been trying to diligently monitor my credit reports for further suspicious activity but am being denied access to my credit files with TransUnion. 
TransUnion 's failure to safeguard my data has caused me financial distress and negatively impacted my finances. I am requesting the CFPB 's investigation into TransUnion 's data handling practices and demand the following resolution : An immediate reinvestigation and correction of all fraudulent and inaccurate information on my credit report. 
Confirmation that my rights under the Fair Credit Reporting Act ( FCRA ) have not been violated. 
That TransUnion be held accountable for the financial harm and stress caused by their data security negligence.

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX Mosaic XXXX XXXX XXXX XXXX Loan # XXXX Dear CFPB Representative, I am submitting this formal complaint regarding a fraudulent and inaccurate solar loan being reported by Mosaic / Solar Serving LLC under Loan # XXXX. 

This loan is invalid. The related solar contract with XXXX XXXX was canceled on XX/XX/year> ( Ticket # XXXX ). XXXX XXXX confirmed the cancellation on XX/XX/year> ( Ticket # XXXX ) and escalated the issue on XX/XX/year> ( Ticket # XXXX ). No installation was ever performed at my residence, located at XXXX XXXX XXXX XXXX XXXX, CA XXXX, and I never authorized the release or disbursement of any loan funds. 

Despite these facts, Mosaic/Solar Serving LLC continues to report an open loan with a balance of {$18000.00}, representing a portion of a {$25000.00} loan that was never validly funded. The reported loan terms ( 25 years, $ 104 monthly payment, 4.49 % APR ) are inaccurate and misleading. 

I am requesting that the CFPB investigate Mosaic and Solar Serving LLC for inaccurate credit reporting, improper lien placement, and deceptive loan practices under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Please find attached documentation, including cancellation confirmations and correspondence with XXXX XXXX. 

Thank you for your assistance in ensuring that this false loan and XXXX are removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation