vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
I am filing this complaint because Javitch Block LLCs response to my original CFPB complaint is incomplete, misleading, and fails to comply with federal law. 

I specifically requested the following documents to properly validate the alleged debt and protect my legal rights : 1. Form 1099-C Proof of whether XXXX XXXX XXXXXXXX canceled or discharged this debt. 
2. Proof of Ownership / Chain of Title Documentation showing who legally owns the debt and has standing to collect or sue.

3. Itemized Accounting Detailed breakdown of the balance, including principal, interest, fees, and attorney costs. 
4. Court Filing/ Dismissal Confirmation Written assurance of what will be filed with the court and confirmation the case will be dismissed with prejudice upon resolution. 
How Javitch Blocks Response Falls Short In their XX/XX/year> response, Javitch Block did not provide any of the requested documentation. Instead, they gave : A generic narrative of account dates and balances. 
A settlement offer letter with a single lump-sum amount but no itemized accounting. 
A statement claiming XXXX  XXXX XXXX is the original creditor, without any supporting proof of ownership or assignment. 
No confirmation of court dismissal or what actions would be taken in the pending lawsuit. 



Violations of Federal Law 1. FDCPA Violation 15 U.S.C. 1692g ( b ) The FDCPA requires that all collection activity stop until a debt collector provides full validation of the debt.

Javitch Block continues to demand payment and pursue a lawsuit without supplying the required validation.

2. FCRA Violation 15 U.S.C. 1681s-2 Without proper validation, any reporting to credit bureaus is potentially inaccurate or misleading.

This creates serious harm to my credit and financial reputation.

3. Court Risk Without Proof of Standing Filing a lawsuit without producing proof of legal standing exposes me to a judgment based on incomplete and unverified information.

Harm and Impact Because Javitch Block refuses to provide proper validation : I can not confirm whether this debt is valid or collectible. 
I am forced to defend myself in court without critical evidence. 
My credit report may be negatively affected by unverified and inaccurate reporting. 
I remain under financial and legal pressure from a debt collector that has not met its legal obligations.

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 2025-09-19 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: OK

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
Issue : Improper account closure and credit reporting Company : Capital One Details of the complaint : I am filing this complaint against Capital One regarding the sudden and unexplained closure of three of my credit card accounts. 

I had recently paid off my Capital One [ insert card names/accounts, e.g., XXXX, XXXX, and XXXX ] credit cards in full. 

Shortly after doing so, Capital One closed all of my accounts, claiming it was due to unusual activity. 

I contacted the fraud department immediately and confirmed that no fraudulent activity occurred. All recent transactions and payments were made personally by me. 

Despite this, Capital One refused to reopen the accounts or provide a valid explanation. 

This action has harmed my credit standing : Closing three active accounts without my consent has reduced my available credit and negatively impacted my credit score.

The companys reporting of these accounts as closed by grantor ( instead of customer request ) misrepresents the situation and unfairly damages my credit profile. 

What I am seeking : A full written explanation of why the accounts were closed despite my confirmation that no fraud occurred. 

Correction of any inaccurate or misleading reporting to the credit bureaus. 

Reinstatement of my accounts, or at a minimum, acknowledgment that my accounts were closed in good standing at my request. 

I believe Capital Ones actions were arbitrary, unfair, and have caused me financial harm. I request that the CFPB review this case and require Capital One to provide a reasonable and transparent resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX  ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) Dept of ED/XXXX  ( Unauthorized/unvalidated ) XXXX XXXX ( Unauthorized/unvalidated ) XXXX Bank ( Unauthorized/unvalidated ) XXXX  ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) XXXX XXXX ( Unauthorized/unvalidated ) XXXX and XXXX ( Unauthorized/unvalidated ) XXXX XXXX XXXX  ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated ) XXXX  XXXX ( Unauthorized/unvalidated ) XXXX XXXX XXXX ( Unauthorized/unvalidated )

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 2025-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I purchased a {$25.00} American Express prepaid gift card on XX/XX/XXXX and it has been an absolute nightmare from the moment I activated the card. The website they recommend you to use to check your balance almost never loads and always gives an error message, the toll free number can get you your balance, which is fine since you are never able to use the card to purchase anything anywhere as it declines no matter the store. 

On XX/XX/year> I attempted to use it on XXXX and it was initially accepted, but then repeatedly declined and I had to use my regular debit card. 

On XX/XX/year> the card was swiped at a XXXX ( where these gift cards are sold! ) and declined over and over again. I was extremely embarrassed as the cashier had to remove items from bags as security watched over me ; I felt like a criminal. 

After now doing some research on these cards and coming to learn they are notorious for declined transactions and insanely poor and confusing customer support, I know i have Ill never get to use the American Express prepaid gift card as a gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unauthorized accounts being reported on my Transunion credit file. On XX/XX/year>, I submitted a formal dispute to Transunion regarding three fraudulent accounts that do not belong to me, specifically with the furnishers XXXX XXXX ( Acct. No. XXXX ), XXXX BANK ( Acct. No. XXXX ), and XXXX XXXX ( Acct. No. XXXX ). Despite my dispute, these accounts are still being reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Transunion is required to conduct a reasonable reinvestigation of disputed information within 30 days, or 45 days if additional information is provided, and pursuant to 1681i ( a ) ( 6 ) ( A ), to provide me with written results within 5 business days of completing their investigation. If Transunion can not verify the accounts, they must delete them immediately. If Transunion claims the accounts are verified, they must provide the furnishers full name, address, and telephone number, along with copies of all supporting documents relied upon.

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 2025-09-19 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: TX

Complaint narrative:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
This is creating misleading and duplicative negative information on my credit profile. The accounts are reported inconsistently one shows as an open account, another as a collection account, and another as unpaid. These inconsistencies are inaccurate, incomplete, and violate the Fair Credit Reporting Acts requirement for maximum possible accuracy as well as Metro 2 reporting standards.

I have already disputed these accounts directly with the credit bureau, but they remain on my report without proper verification. The creditor or collector has not provided original signed contracts or valid account-level documentation to substantiate the reporting. Instead, the same debt is being reported in three different forms, which is highly misleading and harmful to my creditworthiness.

I am requesting that these accounts be fully investigated and permanently removed from my credit file unless the furnisher can provide legally sufficient documentation that proves the accuracy and ownership of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: WA

Complaint narrative:
I discovered an unauthorized credit inquiry from US Bank on my credit report. I did not apply for credit with US Bank, nor did I authorize this inquiry. 

This inquiry is the result of identity theft, as documented in my FTC Identity Theft Report. Despite disputing this matter with the credit bureau, the inquiry remains on my report. It is negatively affecting my credit profile and must 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT XXXX  INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT XXXX  INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX, XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX  XXXX BANK XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violatingFCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse. 

Steps I Have Taken : I have gathered the necessary personal identification documents and attempted to submit freeze requests. 

I have not received confirmation from the bureaus that my credit file has been successfully frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am filing this complaint because XXXX XXXXXXXX XXXX response to my original CFPB complaint is incomplete, misleading, and fails to comply with federal law. 

I specifically requested the following documents to properly validate the alleged debt and protect my legal rights : 1. Form 1099-C Proof of whether Bank of America canceled or discharged this debt.

2. Proof of Ownership / Chain of Title Documentation showing who legally owns the debt and has standing to collect or sue.

3. Itemized Accounting Detailed breakdown of the balance, including principal, interest, fees, and attorney costs.

4. Court Filing/ Dismissal Confirmation Written assurance of what will be filed with the court and confirmation the case will be dismissed with prejudice upon resolution. 
How XXXX XXXX  Response Falls Short In their XX/XX/year> response, XXXX XXXX did not provide any of the requested documentation. Instead, they gave : A generic narrative of account dates and balances. 
A settlement offer letter with a single lump-sum amount but no itemized accounting. 
A statement claiming Bank of America is the original creditor, without any supporting proof of ownership or assignment. 
No confirmation of court dismissal or what actions would be taken in the pending lawsuit.

Violations of Federal Law 1. FDCPA Violation 15 U.S.C. 1692g ( b ) The FDCPA requires that all collection activity stop until a debt collector provides full validation of the debt. 
XXXX XXXX continues to demand payment and pursue a lawsuit without supplying the required validation.

2. FCRA Violation 15 U.S.C. 1681s-2 Without proper validation, any reporting to credit bureaus is potentially inaccurate or misleading. 
This creates serious harm to my credit and financial reputation.

3. Court Risk Without Proof of Standing Filing a lawsuit without producing proof of legal standing exposes me to a judgment based on incomplete and unverified information. 



Harm and Impact Because XXXX XXXX refuses to provide proper validation : I can not confirm whether this debt is valid or collectible. 
I am forced to defend myself in court without critical evidence.

My credit report may be negatively affected by unverified and inaccurate reporting. 
I remain under financial and legal pressure from a debt collector that has not met its legal obligations.

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