vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: NE

Complaint narrative:
I contacted Bank of America the beginning of XXXX regarding disputes I had on my credit card account. I was told to submit them on their app. Their app would only allow me to dispute three or four. I then called Bank of America back and was told I had to mail in these disputes. I received confirmation that these disputes were received by them via phone. I then called back several times over the next 30 days as they had not populated to my account and every time I called I was told it would take six to eight weeks to file the disputes. I asked to speak to a manager who then in turn told me that they in fact had not received my mailed in disputes even though I was told multiple times over the phone that they had and I would have to mail them in again. I paid for tracking and mailed in my disputes again with all the evidence needed to resolve them. I received confirmation that they received them on XX/XX/2025. I then contacted Bank of America and they said they'd be entered in their system within two to three weeks. I contacted them again on XX/XX/XXXX and was told they were manually entered in and a manager would have to call me for confirmation about the remaining disputes and that they would contact me by end of business day on XX/XX/XXXX. I did not receive a return call and called back on the XXXX. I was told by a manager it would be escalated due to the remainder of my disputes not being filed and to call back in one week if it wasn't resolved. I contacted bank of America on XX/XX/XXXX and was told to call back the morning of the XXXX at XXXX when the department opened and now they are closed for the weekend. 

I have contacted Bank of America a substantial amount of times over the last two months with no resolution or answer as to why the remaining claims have not been filed and to why some have been resolved in my favor. Additionally, I mailed in all disputing evidence and for the disputes that have been placed on my account, they are asking for proof when I already mailed that in.

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 2025-08-23 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: 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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
They locked my card 4 times after I just unlocked it two days ago by receive a letter. I have to keep calling them to unlock it for 4 times today. Even I added a travel notice to my card. And I told them I need to book tickets and hotel for my travel of course it's a XXXX XXXX. Then they told me I have to wait another letter through mail to unlock it. Probably will take a week. They are wasting people 's time and energy.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/scrub>e 2024, shortly after graduating, I was applying for jobs and was contacted by someone posing as a recruiter for a legitimate company. The individual conducted what appeared to be a standard hiring process and extended me an offer. As part of onboarding, I was instructed to deposit a check to my Chase account and

wire funds to their finance department to purchase remote work equipment. Unaware this was a scam, I deposited the check through Chases mobile app. The funds appeared available, so I believed the check was valid. Following instructions, I wired approximately {$5000.00}. A second check was later sent, but when Chase placed a hold on it, I became suspicious. I contacted the real company directly, learned there was no job offer, and immediately reported the incident to Chases fraud department. I fully cooperated with Chase, deposited funds to cover the loss, and was advised that as long as I maintained a positive balance and avoided similar incidents, my account would remain in good standing. However, shortly afterward, I discovered that my account was restricted and ultimately closed. I was later informed that I may have been flagged for abusing the claim system, even though I only filed one fraud report. I was also told that I am permanently barred from opening another account with Chase, but I was not provided a clear explanation or any option to appeal.

I believe this outcome is unfair because I was the victim of a sophisticated scam, promptly reported the fraud, and ensured Chase suffered no financial loss. Despite this, my account was closed without transparency, and I am now unable to bank with Chase due to this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
About 6 years ago I discovered that I was a victim of identity theft. I had to find that somebody unknown to me has used my personal information in order to open an account under my name without my consent/permission for the following companies : Capital One XXXX XXXX to name a few. At the time, I filed a police report, and I also filed a report with ( identitytheft.gov ) for FTC complaint. I sent a copy to all of the original creditors, and I also sent a copy to all the three major credit reporting agencies. XXXX and XXXX have removed all the unauthorized accounts. XXXX, as of today, is showing that both CapitalOne and XXXX XXXX as a CHARGED OFF. CapitalOne was removed from XXXX  for a period of 2-3 years. Recently I received a summons for Capital One which made me hire a company and I had to pay them over a few thousand dollars in order to take care of this matter for me. All i received was a letter from CapitalOne that they have done their investigation on my identity theft and that they did not find anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Dear CFPB, I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  {$900.00} & # XXXXXXXX XXXX XXXX XXXX XXXX  {$1600.00} : These XXXX accounts are not mine from XXXX XXXX XXXXXXXX! - I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

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 2025-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-23 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern : I, XXXX XXXX, born XX/XX/XXXX, am formally notifying you to cease and desist all communication with me regarding the above-referenced account.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all direct contact with me concerning this matter. 


You are hereby instructed to : 1. Cease all phone calls, letters, emails, and any other form of direct contact with me.

2. Refrain from communicating with any third parties regarding this account, except as permitted by law.

If you believe you have a valid claim regarding this alleged debt, you may provide written verification of the debt to my address listed above. Otherwise, any further attempts to contact me, aside from legally permitted notices, will be considered a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


This letter is not to be construed as an acknowledgment or acceptance of any alleged debt. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I was paying for XXXX XXXX. I was XXXX. I got out. They marked a debt of XXXX dollars owed. I was told that if I paid id receive my money back. That was a lie. I paid and am now told that's not true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balanced {$110000.00} SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$62000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Larry H. Miller Group of Companies
State: DC

Complaint narrative:
The account is Charged off and they constantly reporting inaccurate reporting every month .. its should not be a balance stil left over.. I reach out to this company and its still giving fraudulent reporting please remove off my records and close this case .. 15 USC 1681 s 2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. I was directly impacted by the XXXX  data breach, and I am concerned that the accounts listed below may have been compromised or reported in error as a result. Accounts Under Dispute : XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$2600.00} | Status : Closed XXXX XXXX  XXXX  Date opened XXXX XX/XX/XXXX XXXX Balance : {$2700.00} | Status : Open XXXX XXXX  Date opened : XX/XX/XXXX | Balance : {$2100.00} | Status : Open XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$990.00} | Status : Open XXXX XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Closed XXXX XXXX  Date opened : XX/XX/XXXX | Balance : {$5800.00} | Status : Closed XXXX XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$18000.00} | Status : Account charged off. {$19000.00} written off. {$18000.00} past due as of XX/XX/XXXXXXXX XXXX Date opened : XX/XX/XXXX | Balance : {$1100.00} | Status : Open XXXX XXXX XXXX Date opened : XX/XX/XXXX | Balance : {$5200.00} | Status : Closed XXXX Date opened : XX/XX/XXXX | Balance : {$2600.00} | Status : Open XXXX XXXX Date opened : XX/XX/XXXX | Balance XXXX {$7100.00} | Status : Open XXXX Date opened : XX/XX/XXXX | Balance : {$490000.00} | Status : Open Because of the XXXX  data breach and the exposure of consumer information, I can not confirm the accuracy or validity of these accounts as reported. I am requesting that you provide full documentation and verification from the original creditors. If you can not verify the accuracy of these accounts, they must be removed from my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct or delete any information that can not be verified within 30 days of receipt. Under the FDCPA, I have the right to request the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A detailed explanation or documentation showing that I am legally obligated to pay this debt ; XXXX. A copy of any judgment ( if applicable ) ; XXXX. Proof that your agency is licensed to collect debts in my state. Please treat this letter as a formal request to cease all collection activities until the requested validation. If you are unable to validate the debt, please notify all credit bureaus to which you may have reported it. This is not a refusal to pay, but a request for validation. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of an unauthorized credit inquiry by XXXX XXXX dated XX/XX/year> from my TransUnion credit file. I did not apply for credit with XXXX XXXX, nor did I authorize this inquiry in any form.


This inquiry constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : 15 U.S.C. 1681b ( a ) strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report. U.S. Bank had no permissible purpose to access my credit file. 15 U.S.C. 1681b ( c ) provides that credit inquiries for prescreened offers or other promotional purposes may only occur with proper compliance, which does not apply here. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a consumer reporting agency to conduct a reasonable reinvestigation when a consumer disputes the accuracy or validity of information in their file. 15 U.S.C. 1681n & 1681o provide for civil liability and damages for willful or negligent noncompliance with the FCRA. Because this inquiry was unauthorized and made without my consent or a permissible purpose under federal law, it must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
To Whom It May Concern, I give the CFPB permission to act as a witness and to act on my behalf in the receiving and delivering all communication and information regarding this claim. Any refusal of response will be handled accordingly to the fullest extent of the law. 

I am writing to dispute the accuracy of an account listed on the credit report for XXXX XXXX maintained by your bureau. This account does not belong to me. I have never signed any contract with XXXX XXXX XXXX and I do not owe any debt. The information being reported is also incomplete and inconsistent with information of other credit bureau reports and the information provided by XXXX XXXX XXXX. 


I am requesting a reinvestigation of this account. I also demand a detailed description of the method used to verify this information, a copy of the procedures your bureau follows in conducting investigations, and a current copy of the credit report for XXXX XXXX. 

Specifically, please provide : The name, address, and telephone number of the entity that verified the account. 

The verification method and supporting documentation. 

A copy of any records provided by the furnisher of the information. 

A detailed outline of your investigative process. 

If this account can not be verified with proper documentation, I request that it be immediately removed from my credit report. I expect your full appropriate response within XXXX calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, a former client, filed a chargeback for {$1200.00} through PayPal for coaching services that were fully delivered under a signed CoachClient Agreement. I provided PayPal with proof of delivery services and non-refund policy and the executed agreement. Despite this documentation, PayPal debited the full amount from my account and sided with the buyer. 

Key issues : PayPal had already taken {$42.00} in transaction fees when the payment was received. 

PayPal is now demanding repayment of the entire {$1200.00}, disregarding the fees they retained. 

PayPal also added a {$15.00} chargeback/processing fee. 

This results in double penalization : I lose the service revenue and time already provided under the signed contract, while PayPal keeps fees and adds new penalties. 

This is part of a pattern of behavior. In a prior incident ( approx. {$500.00} ), I incurred a chargeback for merchandise that was never returned, and PayPal still sided with the buyer. 

Actions taken : I submitted evidence to PayPal, including : The signed CoachClient Agreement ( scope, terms, and refund policy ). 

Records showing services delivered ( session dates, communications ). 

Transaction details and timelines. 

PayPals responses have been dismissive and have not addressed the contractual evidence or service delivery. 

Requested resolution/relief : Explain why PayPal demands the full {$1200.00} while retaining {$42.00} in fees and adding a {$15.00} fee. 

Review PayPals failure to honor valid seller documentation, including a signed service contract and proof of delivery. 

Require correction of the balance and reversal of unjust fees. 

Ensure PayPal applies fair seller protection when valid contracts and fulfillment evidence exist. 

PayPals handling in this case is unfair and harmful to service providers who rely on their platform, even when operating under clear, signed agreements and delivering services as contracted.

Company response to consumer: Closed with explanation