vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: OK

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, TransUnion, and the following collection agencies for multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

My Experian credit report dated XX/XX/year> lists XXXX ( XXXX ) collections totaling {$34000.00}, including but not limited to : XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX ) {$410.00} XXXX XXXX ( original creditor : XXXX XXXX XXXX ) {$17000.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX Bank XXXX. ) {$1200.00} and {$1000.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ) {$8400.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) {$630.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) {$5200.00} Report Summary | Experian Grounds for Dispute and Complaint Failure to Conduct Reasonable Reinvestigation Under FCRA 611 ( 15 U.S.C. 1681i ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. Despite my prior disputes, the credit bureaus have continued to report inaccurate or unverifiable information without providing proper validation.

Reporting of Unverified and Inaccurate Accounts Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit bureaus must follow reasonable procedures to assure maximum possible accuracy. These collections lack proper documentation, chain of custody, and proof that I owe the alleged debts.

Failure to Provide Proper Validation of Debt Under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors must provide validation of debts upon request. These agencies have failed to provide itemized documentation, signed agreements, or proof of assignment from the original creditor.

Unlawful Sharing and Selling of Personal Information The sale and transfer of my alleged debts without my consent violates FCRA 602A and Gramm-Leach-Bliley Act privacy provisions, as my personal data has been disseminated to multiple third-party debt buyers.

Failure to Mark Accounts as Disputed Under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must report accounts as in dispute when a consumer challenges them. These agencies have not consistently done so, further damaging my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
A credit agency called Credit Collections is stating on my credit report that I owe {$57.00} to an Insurance Company called XXXX XXXX XXXX XXXXXX/XX/year>. 
I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MI

Complaint narrative:
I received a XXXX gift card on XX/XX/year>, in XXXX, XXXX. This card was a gift, and I never activated or used it. When I later attempted to use the card, I discovered that the entire balance had already been stolen on XX/XX/year>, just a few days later, in XXXX, XXXX. I was not in XXXX, and the transactions were clearly fraudulent. 
I immediately contacted the card issuer and filed a dispute. After their investigation, the company sent me an email stating that they were closing my case because the transactions had exceeded the 60-day time frame listed in the cards Terms and Conditions. This reasoning is unfair and unreasonable because the theft occurred before I ever had the opportunity to activate or use the card. I had no knowledge of these fraudulent charges until I attempted to use the card myself. 
This situation is a case of fraud before first use. I never authorized these charges, and I should not be penalized for fraudulent activity that took place without my consent. The companys refusal to restore the funds or issue a replacement card has left me unable to access the value of the gift card that rightfully belongs to me. 
I am requesting that Blackhawk Network or XXXX refund the stolen amount or issue a replacement card with the proper balance. I have attached the email response from XXXX XXXX XXXX showing that my case was closed without recovery. Here is the copied email I received : Dear XXXX XXXX, We have researched the transaction ( s ) you are disputing and as disclosed in the Terms and Conditions for your card, account discrepancies are to be communicated to us no later than XXXX calendar days after the transactions has posted to your account or we may not be able to assist you in recovering the funds. We have researched the transaction ( s ) you are disputing and because the transactions listed above have exceeded this 60 day time frame, we no longer have recourse to attempt to recover the funds from the merchant through the XXXX XXXX. Furthermore, we must abide by the Terms and Conditions enclosed with your card. 


We are unable to credit your account and will be closing this dispute at this time. Although we are not able to assist you further, you may pursue this matter directly with the merchant ( s ). 


Sincerely, XXXX XXXX XXXX Email : XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: CO

Complaint narrative:
We closed the house at XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX on XX/XX/XXXX. We requested to remove the PMI on XX/XX/XXXX and it was approved since the property value went up. The name of the mortgage company is valon mortgage - https : //valon.com ( loan # XXXX ). However, in XXXX, they reinstated the PMI again. I realized this in XXXX when checking my statement that they have charged me for PMI from XXXX to XXXX and XXXX onwards they have added the PMI again. This additional amount ( ~ $ XXXX ) added to my account is a financial burden and have been done without sending me any prior notification. Overall, I think this mess is created by Valon and they are now asking the customer to fix it which is not acceptable. This is a suffering for the customer. 

In addition, their calculation on LTV also doesn't make any sense- in XXXX, my principal balance was {$690000.00} and value came at {$860000.00} which fulfills the 80 % LTV criteria. 

I would appreciate your interruption on helping to reinstate the waiver for PMI. Please let me know if you need more info. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: SD

Complaint narrative:
In XXXX they randomly closed my account for no reason. The fraud department said it would take XXXX weeks to review and then they would send me my money. I have called every month since then. I have gotten pretty much a different reason, but that the account is still under review. Now, today on XX/XX/XXXX. The representative said my account is active and the bank has been charging me fees. However, the fraud department says it's closed and still under review!!! I just want my money back. I am currently on hold and have been for one and a half hours. I briefly spoke to someone who hung up on me after about a minute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following mortgage account : XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 
The following late payment ( s ) MUST be removed as per federal law since each of them are either incorrect, incomplete, or require further verification under 15 U.S.C. 1681i of the Fair Credit Reporting Act. 
XXXX XXXX. Conflicting Payment History : Equifax reports account as XXXX  days late, while Transunion and Experian states it is current days late. Please delete XXXX  days late. 
XXXX XXXX. Conflicting Payment History : Transunion and Experian report account as XXXX  days late, while Equifax states it is current. Please delete XXXX  days late. 
XXXX XXXX Conflicting Payment History : Inconsistencies in later months raises questions about accuracy in this field. Please delete XXXX  days late. 
XXXX XXXX Conflicting Payment History : Inconsistencies in later months raises questions about accuracy in this field. Please delete XXXX  days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
In XX/XX/year>, Bank of America reported my account 30 days late even though the bank has acknowledged the missed payment was caused by its own system error. After an investigation, the bank confirmed it was a system error on their side. They refunded all late fees and interest. 

Despite acknowledging fault and reversing charges, the bank refuses to correct its credit reporting for XX/XX/year>, and continues to furnish a XXXX late to XXXX XXXX XXXX  This inaccurate reporting caused my XXXX XXXX to drop by about XXXX points and has harmed me in trying to get an appropriate mortgage rate. I have an otherwise on-time, perfect payment history. 

What XXXX asking for : XXXX Bank of America to remove the XX/XX/year> XXXX late entry with all credit bureaus and send updated 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Category : Credit reporting / Student loan servicing Company : XXXX  XXXX XXXX XXXX XXXX AND Aidvantage ( Department of Education servicer ) Problem : Inaccurate credit reporting / Failure to correct despite proof Complaint : I am filing this complaint against XXXX  and Aidvantage regarding inaccurate reporting of my federal student loans.

Timeline of Events Prior to XX/XX/year> My student loans had been reported as delinquent ( up to 120 days late ). 


XX/XX/year> I submitted and was approved for backdated forbearance. This should have eliminated the delinquency months. 


XX/XX/year> I was approved for an Income-Driven Repayment ( IDR ) plan ( PAYE ), effective XX/XX/year>, with a $ 0 monthly payment. 


XX/XX/year> Aidvantage issued an official letter confirming my loans are in good standing and not in default. 


Despite this, XXXX  continues to report 90-day lates for XXXX and XX/XX/year> across multiple student loan accounts. 


First dispute ( XX/XX/year> ) : I disputed these inaccuracies with XXXX. The account came back as verified. 


Second dispute ( XX/XX/year> ) : I disputed again, attaching my Aidvantage letters. Instead of correcting, XXXX  came back verified again and added another 90-day late, worsening my report.

This is both inaccurate and retaliatory, as Aidvantages own documentation confirms my loans are current and in good standing.

Violations Aidvantage has violated FCRA 623 ( a ) ( 1 ) by furnishing inaccurate late payment data when their own records show my account is current. 


XXXX  has violated FCRA 1681i by failing to conduct a reasonable reinvestigation, and instead marking my account as verified twice even adding another 90-day late during my dispute.

This reporting directly contradicts Aidvantages official letters.

Requested Resolution I am requesting that : The XXXX and XX/XX/year> 90-day late marks be deleted.

My accounts be corrected to reflect current / good standing, consistent with Aidvantages official letters and my approved repayment plan.

A written confirmation of correction be provided.

Supporting Documentation I am attaching : Aidvantage letters dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX confirming good standing and IDR approval. 


My XXXX  credit report showing the 90-day lates. 


Proof of my disputes to XXXX  and their verified responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
i have 2 account reporting on the same name same amount diferent date and both are not mine account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AMOUNT BALANCE $ USD 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 2025-09-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened my account transactions on roughly XX/XX/XXXX and there was a " Dispute resolved '' XXXX $ added to my account. I have not disputed any charges on my account. Comenity Bank will not tell me what charge i supposedly disputed. Ive talked to XXXX different agents and XXXX of them have hung up on me. XXXX of the agents on Wednesday XX/XX/XXXX said they could see what the issue was and it would be resolved in XXXX hours. This morning XX/XX/XXXX they attempted to take XXXX $ from my checking account. I've made the minimum payments so they can not make a negative on my credit report. It appears to me this is either a malicious attempt to collect XXXX $ and interest from me fraudulently or there was an error they refuse to address. I am getting no where with customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: WA

Complaint narrative:
A payment for {$3400.00} was unsuccessful. 
Transaction Details Payment ID : XXXX Customer ID : XXXX Business : XXXX XXXX  XXXX Account : Business Checking Counterparty Company Name : XXXX XXXX As Amount : {$3400.00} Issue Date : XX/XX/year> Memo : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
This is a formal dispute of an account being reported in my name without my authorization or knowledge. I did not open, apply for, or manage this account, and I have no relationship with the reported creditor. Its presence on my credit report is inaccurate, misleading, and has caused harm to my creditworthiness and wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
My personal information was exposed to data breach. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have made several requests for the inaccurate information on my credit report to be investigated and removed. Despite my repeated disputes and supporting documentation, the company has failed to take corrective action and continues to report false information. 
This conduct is both harmful and unlawful. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and correct or delete inaccurate information ( 1681i ), and furnishers of information have a duty to provide accurate information and correct errors once notified ( 1681s-2 ). By refusing to comply with these obligations, the company is in direct violation of federal law.

As a result of their ongoing negligence, I have suffered multiple credit denials, financial hardship, and significant emotional distress. I should not have to continue experiencing these consequences due to their refusal to uphold their legal obligations. 

I am requesting immediate intervention from the CFPB to ensure that this inaccurate information is permanently removed from my credit report and that the company is held accountable for its repeated violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I discovered a collection account from Credence Resource Management on my credit report in XX/XX/XXXX. I had never been contacted by this company before seeing it on XXXX XXXX. 

On XX/XX/XXXX, I sent Credence a debt validation request asking for proof of the debt, original creditor information, and documentation of their collection authority. 

On XX/XX/XXXX, Credence responded with XXXX XXXX XXXX bills showing an address in XXXX, Texas. I have never lived in Texas. They claimed I owed {$120.00}, but the XXXX XXXX XXXX bills they provided showed {$240.00}, creating confusion about the actual amount. 

On XX/XX/XXXX, I sent a second letter pointing out their insufficient validation. I specifically noted the address discrepancy between XXXX and my XXXX address, the conflicting amounts, and their failure to prove I was responsible for this debt or that they had authority to collect it. 

On XX/XX/XXXX, Credence sent a dispute investigation response claiming they verified the charges with XXXX XXXX XXXX. They said the debt was {$110.00} foXXXX XXXX XXXX XXXX  and late fees from XX/XX/XXXX to XX/XX/XXXX. However, in the same letter, they stated they were closing the account and returning it to XXXX XXXX XXXX. They also said they requested deletion of the information from credit reporting agencies. 

On XX/XX/XXXX, Credence confirmed the account was returned to XXXX XXXX XXXX on XX/XX/XXXX, and was no longer being serviced by them. 

The main issues are that I never received initial contact before it appeared on my credit report, there were multiple conflicting debt amounts, the bills showed a XXXX address I have no connection to, and they failed to provide adequate validation despite my specific requests. They ultimately abandoned collection efforts and requested credit deletion.

Company response to consumer: Closed with non-monetary relief