vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-04 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 am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX Account number XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$200.00} Open Date XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo, ATTENTION YOU DID NOT CHANGE THE CASE CATEGORY YET. 
I am writing to formally complain about the incorrect categorization of my claim XXXX XXXXXXXX. The claim should be filed under credit not received/item not received, and I respectfully request that you rectify this error. 
Regarding the transaction in question, it was canceled, and the merchant agreed to process a refund. However, I have not received the refund credit to date. The merchant is no longer cooperating, which is the reason for my dispute. 
I kindly ask that you review and correct the claim category to accurately reflect the nature of my dispute. This adjustment is crucial for the proper handling and resolution of my case. 
For your reference, my account details are as follows : Account XXXX : XXXX Email Address : XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. Please update me on any progress made regarding the correction of my claim category. 
Thank you for your time and assistance in resolving this issue. 
Sincerely, XXXX XXXX Account 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 2025-06-04 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against Capital One Bank for unlawfully sharing or selling my personal information to a third-party debt collection agency, XXXX, XXXX & XXXX XXXX without proper authorization or verification. This action is a serious violation of my consumer rights and may also breach provisions under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) regarding the protection of consumer data.

The account in question was closed and I was not the official or authorized owner of that account. I never provided consent for Capital One to release or transfer any personal or financial information related to me to this collection agency. As a result of their careless handling of sensitive data, this collection account has been reported on my credit report, causing harm to my creditworthiness and financial standing. 

I previously issued a formal request for Capital One to remove this account from my credit report, but they failed to act. Given their inaction, I have now formally initiated legal action against Capital One and the third-party debt collector involved. 

I am requesting that the CFPB investigate this matter immediately and take the necessary steps to have this account permanently removed from my credit report and hold Capital One accountable for their failure to protect my private financial data. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am writing to formally request validation of the alleged debt referenced in your communication to me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please note that this is not a refusal to pay but a request for verification of the claimed debt. 
Pursuant to federal law, I request the following information : XXXX. Proof that you have the legal right to collect this debt, including a copy of the signed contract or agreement between me and the original creditor. 
XXXX. A full itemization of the debt, including the original balance, any fees, interest, or additional charges added. 
XXXX. The name and address of the original creditor and the account number associated with the alleged debt. 
XXXX. Proof that you are licensed to collect in my state, including your collection agencys license number and bond information, as required by [ Your State ] laws. 
XXXX. Complete chain of custody ( assignment of debt ) showing the transfer of ownership of the debt from the original creditor to your agency. 
XXXX. A copy of any judgment ( if applicable ) that grants you the authority to collect. 
XXXX. Proof that the statute of limitations has not expired, showing the date of the last payment made on the account. 
Until this requested information is provided, I dispute the validity of this alleged debt in its entirety and demand that you immediately cease all collection activities, including reporting to the credit bureaus, per 15 U.S.C. 1692g ( b ).

Additionally, per 15 U.S.C. 1692c ( c ), you are hereby notified that you may not contact me further regarding this matter, except to provide the requested verification or to notify me that collection efforts have ceased. 
Please note that failure to respond to this request within 30 days will be considered as non compliance with the FDCPA, and I will have no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I have XXXX accounts thats being double reported and all XXXX are being investigated for fraud. 
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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
I have an account with Chime. My chime card was compromised ( I knew who had used it to set up an account having payments taken out of my account so the 1st set of pmts I did not dispute ) I advised chime ( Supervisor ) of what happened and asked that the merchant be blocked and reported my card as lost or stolen. I received a new card but transactions still were being processed on the card that was supposed to be deactivated ( the lost /stolen card ) and transactions for that merchant continued to come out of my account. I filed another dispute that was denied. All chime did was contact the company and that was it. I filed another dispute and was assured that the situation would be fixed and I would get all the documentation for all the disputes soni can see how the decision was reached. I never got any documentation and I got notice that dispute was declined as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One XXXX XXXX XXXX  was restricted approximately on XX/XX/year>. 
I called and could not receive any explanation why except " fraud alert ''. 
No transaction was specified and there was no attempt to contact me regarding the validity of any transaction. I was briefly over the credit line by approximately {$100.00} and promptly made a {$10000.00} payment. 
They requested I send documents like SS card and Drivers license on XX/XX/year>. I submitted those immediately. 
They now tell me they need up to XXXX business days to review documents! 
In the meantime, multiple recurrent charges are being rejected, hurting my credit rating. 
They have encouraged me to place these recurrent charges on my card and now are creating a nightmare for me. 

This is unacceptable to give no explanation and take so long to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-06-04 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-06-04 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone gained access to my XXXX account, ordered a XXXX, and had it shipped to an address that is not mine but under my name. I did not authorize this order or any changes to my account. They also changed my phone number to their number on the account.

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 monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-04 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
The company keep reporting my account as late theres a lot of inaccurate the late payments days 1. FCRA 607 ( b ) Maximum Possible Accuracy This tradeline is currently reported with multiple inaccuracies : Discrepancies in joint account disclosure across bureaus Balance and payment history do not align across months Late payments remain reported despite evidence of large payments ( e.g., {$12000.00} in XX/XX/year> ) These contradictions reflect failure to ensure data integrity as mandated by the FCRA. 

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Incomplete or Misleading Information If this account is joint with another borrower, and if that borrower made payments or settlements, then reporting continued delinquencies under my name alone is incomplete and misleading. Joint liability must be accurately disclosed and any corrective history must be reflected across all bureaus.

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