vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Around XXXX, Capital one suddenly locked my account and required some documents from me. I sent them all the documents except for a state issued ID. At that time, I didnt have any state issued ID, so I told them I will get a XXXX  driver license but it takes time ( I can transfer my XXXX driver license to XXXX  drivers license but needs 2-3 months ). They confirmed it is okay, and just give them a call when I get it. Around the beginning of XXXX, I received a letter from Capital one saying that I need to send them the documents they requests in 45 days, otherwise my account will be closed. I gave them a call before this 45-days deadline, and their representative confirmed again with me that what I need to do is giving them a call when I get my XXXX  driver license and there is nothing to worry ( the representative said this at least 5 times ). However, I received a letter from Capital one around mid XXXX saying that my account has been closed. I immediately called them and explained my situation to a representative that I did call them to confirm that Capital one will wait until I get my XXXX  driver license, but the representative said that the decision of closing my account was made by other department, it is a policy, and there is nothing she can do. I have already got my XXXX  driver license last month, so I did whatever they asked. They had miscommunication between their own departments and thus made a mistake on closing my account which turned out having negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark Financial Services XXXX ( Auto Loan, Joint with XXXX XXXX, Opened XX/XX/year>, paid/closed/never late This account was paid as agreed, closed in good standing, and is accurately reflected on another major credit bureau 's report XXXX but missing from your records. Under the FCRA, I am requesting that you investigate this matter and update my credit file to include this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing the alleged debt you claim I owe to XXXX. I requested validation under 15 U.S. Code 1692g of the fair debt collection practices act, but you have failed to provide the original contract or any proof of my liability. I have no agreement with Spring Oaks Capitol, and without proper validation, you must ceace all collection efforts immediatly. Your failure to comply constitutes a violation of the FDCPA, for which I demand {$1000.00} in damages and the I immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TX

Complaint narrative:
am writing to formally dispute a recent XXXX transaction on my account that I believe was fraudulent. On XX/XX/year> I sent {$100.00} to a Chime user who was impersonating someone else with a fake profile. The funds were requested to be deposited into an online game, but it became clear that this person was a scammer. 

Despite multiple requests, the individual has refused to refund my money, and I believe I have been the victim of fraud. I have l screenshots of the fake profile, conversation history, and transaction details to support my claim. 

I reached out to Chime XXXX to help with this transaction and they have not been helpful nor would they refund my money. 

I reported this person to XXXX and they immediately took action and limited users account and attached a possible scam warning to their profile to alert others before contacting them directly. 

Please investigate this matter urgently and advise if it is possible to reverse or recover the funds. Additionally, I request that you take any necessary action to block this fraudulent account to prevent others from being victimized. 

Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
The investigation did not fix the negative accounts on my credit 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 non-monetary relief
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
Under the FCRA 15 U.S.C. 1681i, you failed to properly verify this account within the allowed time. Delete it immediately or I will file complaints and take legal action XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have noticed several inaccuracies that are on my credit report that is reporting negatively

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 2025-08-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
To whom it may concern, I am submitting a regulatory complaint against the Consumer Financial Protection Bureau ( CFPB ) regarding an unresolved dispute with the merchant XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$640.00}, charged on XX/XX/year>, to my account ending in XXXX. 

The dispute was initiated under Ref. XXXX XXXXXXXX using the dispute reason : Cancelled/ Returned/ Refused Delivery for Goods or Services/ Expected credit not received. 

I have provided American Express with sufficient documentation showing that a refund was both warranted and promised. The car rental booking, scheduled for XX/XX/year> in XXXX, was cancelled in advance. Despite my repeated attempts to contact XXXX to confirm the cancellation, I received no timely response. Which the merchant has yet to provide written, which is a breach of contract. 

On the date of the scheduled booking, I was informed by a XXXX employee to escalate the matter to corporate, at which time they acknowledged that a refund was still due. This acknowledgment is reflected in the attached documentation. 

Furthermore, there is a clear discrepancy between XXXX  advertised no-hassle full refund policy and the terms and conditions they have attempted to enforce in this case. I also provided American Express with additional evidence referencing applicable consumer protection laws under XXXX, XXXX regulations, as well as U.S. federal regulations governing contractual and consumer rights ; both of which apply to American Express operations. 


Please find all supporting documentation attached for your review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
On XX/XX/year>, XXXX  permanently deleted the account XXXX XXXX XXXX XXXX XXXX from my credit report under FCRA 605B as the result of identity theft and notified the furnisher.

TransUnion has now illegally re-inserted this same account without providing the required written notice within 5 business days, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). This is a willful and reckless disregard of federal law.

This account does not belong to me and was already proven to be fraudulent. I demand immediate and permanent deletion, a written explanation of TransUnions reinsertion procedures, and notification to all parties who received my inaccurate credit report. 

Attached : XXXX  deletion confirmation ( XX/XX/year> ) and current TransUnion credit report showing the re-insertion.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I noticed incorrect information on my credit report related to a store credit card account with XXXX XXXX XXXX XXXX XXXX. The reported balance is inconsistent across credit bureaus one report shows a balance of {$410.00}, while another shows {$0.00}. Additionally, the payment history contains conflicting information : some agencies report multiple late payments, while others show payments made on time for the same periods. The account is closed since XX/XX/year>, but negative information still affects my credit score. I have attempted to verify the accuracy of these details with the creditor but have not received clear confirmation or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: IN

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights 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 2025-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written cancellation of my matchmaking service contract with When We First due to misrepresentation and failure to perform. I was led to believe I would have final discretion over matches based on my stated interests, which the merchant initially agreed to honor. However, they later disregarded my stated preferences and attempted to arrange matches based on their own preferences, which was not what I contracted for.

This dispute is covered under Regulation Z ( Truth in Lending Act for credit cards ) as a case of services not rendered as agreed and misrepresentation of the product. The merchants own contract ( Sections 8c and 8d ) allows for a pro-rated refund in cases of non-performance or failure to deliver the agreed services, which applies here. 

Bank of America denied my initial claim on XX/XX/year>. That same day, I called the BOA Claims Department at XXXX and was told I could fax in a request to reopen the claim. I faxed the request that day and received confirmation from my e-fax provider that it was successfully transmitted. 

On XX/XX/XXXX, I called BOA again and was told they never received my fax. I re-faxed it that same day using two different e-fax companies ( confirmations attached ). On XX/XX/XXXX, I again called BOA, who claimed they had not received either fax. The Claims representative then said they would send me a secure message in my BOA account with instructions on how to submit my reopen request online. 

As of XX/XX/year>, I have not received that promised message or any alternative means of reopening my dispute. This has effectively prevented me from exercising my rights under Regulation Z to have my dispute reconsidered with the new evidence I submitted.

I will upload copies of all three confirmed e-fax submissions, along with my full written request to BOA asking for the reopening of my dispute, as supporting documentation.

I am requesting that CFPB review BOAs handling of this matter, as they have repeatedly failed to process my legitimate request to reopen the dispute despite multiple confirmed submissions. I am seeking a full reversal of the {$2500.00} charge based on the merchants misrepresentation, failure to perform, and non-compliance with their own contract terms.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
On XX/XX/, Goldman Sachs Bank USA denied my Apple Card credit-limit increase ( CLI ). The adverse-action message states only : Your recent payments on Apple Card did not cover a significant portion of your monthly balance. It also lists my credit score as XXXX  XXXX Score XXXX : XXXX and says Goldman obtained my score from XXXX XXXX XXXX This was the full text of the notice. 

Why I believe this violates ECOA/Reg B ( 12 C.F.R. 1002.9 ) : 1. Required ECOA content is missing. Reg B requires every adverse-action notice to include the ECOA anti-discrimination statement and the name/address of the appropriate federal enforcement agency, in addition to the action taken and either the specific reasons or a notice of the right to request them. My notice includes the action and a reason, but it omits the ECOA rights statement and the enforcement-agency name/address. 
2. The specific reasons are not specific. Reg B requires reasons that are specific and accurately describe the principal factors considered. The phrase recent and significant portion is indeterminate and provides no time window or threshold. A compliant reason would state something like paid only the minimum in X of the last Y cycles or average payment <10 % of statement balance for Z months. As worded, I can not understand or remedy the issue. 
3. Potential omission of other principal reasons. The notice simultaneously discloses that a credit score was obtained/used ( XXXX  XXXX XXXX = XXXX ). If score-related factors ( e.g., utilization/delinquency ) were principal reasons, Reg B requires that none of the principal reasons be omitted. Listing only a payment-behavior line suggests other principal factors may have been excluded. 

Why I believe this also violates the FCRA ( 15 U.S.C. 1681m ( a ) and 1681g ( f ) ) : Because Goldman says it used my credit score in taking adverse action, the notice must also include : The CRAs name, address, and phone, a statement that the CRA did not make the decision, and my right to a free report and to dispute accuracy ( 1681m ( a ) ) ; and The credit-score range for that model and the key factors adversely affecting my score, in addition to score/model/date ( 1681g ( f ) ).

My notice includes only the score/model/date and the CRA namebut lacks the CRA contact/rights language, the score range, and the key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
I am writing to dispute the accuracy and reporting of the account listed on my credit report. The account information is as follows : * Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Balance : {$66.00} * Status : Account charged off. 
Based on the information provided in my credit report, there appear to be inaccuracies and a failure to comply with the Fair Credit Reporting Act ( FCRA ). I request that you investigate and take immediate action to correct these discrepancies and remove this account from my credit report.

Under 15 U.S. Code 1681e ( b ), " When a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The information provided on this account appears to be inaccurate and misleading, and I am requesting an immediate re-investigation to verify its accuracy.

Furthermore, under 15 U.S.C. 1681s-2 ( b ), as a furnisher of credit information, you have a duty to conduct a reasonable investigation upon receiving a dispute from a consumer. I am hereby requesting that you perform a thorough and reasonable investigation of this account. This includes reviewing all relevant documents and records to verify the accuracy of the reported charge-off, balance, and payment history.

I believe this account 's reporting may also violate 15 U.S.C. 1666b, as it pertains to billing errors. I am requesting that you provide documentation to substantiate the legitimacy of this debt, including copies of the original agreement, itemized statements, and a full accounting of all payments and charges.

I am also putting you on notice that failure to comply with the FCRA may result in legal action. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I may be entitled to damages, including punitive damages, for willful noncompliance and actual damages for negligent noncompliance.

Due to the significant impact this inaccurate reporting is having on my credit score and financial standing, I request that you handle this matter immediately. Please provide me with the results of your investigation and any actions taken within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief