vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: VA

Complaint narrative:
I am submitting this complaint regarding a debt collection account that I formally disputed, for which the company failed to respond, and which has been improperly re-aged and repeatedly removed and re-reported to the credit bureaus. 
On or about XX/XX/year>, I was first contacted by [ LJ ROSS ASSOCIATES INC ] regarding an alleged debt in the amount of {$510.00} ]. I do not believe this debt is valid. 
On [ XXXX ], I sent a written dispute and request for debt validation to the company via first-class mail. My letter requested documentation showing that I owe the debt, that the amount claimed is accurate, and that the company has the legal authority to collect it. 
It has now been over 60 days, and the company has not responded to my dispute or provided any validation of the debt. 
After my dispute, the company removed the collection account from my credit report and later re-submitted it to the credit bureaus, causing the account to appear as a newer collection. I did not make any payments, acknowledge the debt, or enter into any agreement that would justify re-aging the account, and to my knowledge the date of first delinquency did not change. 
Most recently, the company removed the account from my credit report again, which resulted in an increase in my credit score. Based on the companys prior conduct of removing and re-reporting the account, I am concerned the company may again re-submit the account to the credit bureaus in a way that improperly re-ages the debt.

I am requesting that the company : Provide proper and complete validation of the debt, including the original creditor and date of first delinquency, or Permanently cease collection activity and ensure the account is not re-reported to the credit bureaus unless it can be reported accurately and in compliance with applicable law. 
I am submitting this complaint because my prior attempts to resolve this matter directly with the company have been unsuccessful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MS

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-22 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: MS

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Senior/Banking issue : HSBC Bank is now imposing a $ XXXX fee unless {$100000.00} is on deposit or {$5000.00} of monthly electronic deposits are made. Bank contacted via several chat conversations : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> My mother is XXXX yrs old, legally XXXX, diagnosed with XXXX  and is a XXXX survivor. If she tried to meet the bank 's conditions, she would be removed from XXXX and lose her necessary 24hrs in home care. She receives via electronic deposit, XXXX different XXXX XXXX XXXX XXXX XXXX XXXX ; social security and a union pension. Most of her bills are paid are paid by ACH.

As her POA Agent, closing this HSBC account and going elsewhere would require me to spend countless hours to contact XXXX XXXX, numerous agencies, utilities, her co-op board and her credit card provider to ensure uninterrupted payments to creditors and deposits from payers. This would require again proving that I hold a valid POA, an arduous process to put it mildly. Please note that this account contains approximately $ XXXX, but she also maintains an IRA at HSBC which contains approximately $ XXXX. 

It is simply wrong to charge my XXXX XXXX XXXX XXXX parent $ XXXX for an account that pays pennies in interest. 

HSBC account XXXX " XXXX '' account Submitted by : XXXX, XXXX son and POA Agent ( XXXXXXXX XXXX XXXX Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While Capital One is provided conflicting and inaccurate information regarding the direct deposit, XXXX has two errors with my payroll satus. Requirements for a XXXX Checking promotional bonus. I relied on a guidance and coordinated with my employer to meet the stated requirements. Despite taking the required steps, the deposits that were not recognized as a pay roll direct deposit, resulting in a my concenring about the assumption of clear results going to happen by me missing an {$250.00} bonus, my employer errored, and employment disruption had undlerling conflict on since XXXX. I am requesting clarification, correction, and appropriate resolution for. Becuse at this point I have comfronted the my workplace and Capital one directed given sice XXXX, that influnced by it to confront my job, I still have not underline clear validation. It is not exceptable for you to give direction and it not be true, I will not except that a appology for these months of conflict and rage, it have played a role ot be ok with, Capital one Bussiness. when it data system or personal is pushing out wrongful information, to comsumers. that creates comflict to an extent added on. 


From Corporate Office Transedev And Capital One, As of XX/XX/XXXX, I am requesting to be contacted only by Corporate Human Resources at HQ, at the level overseeing transit contracts HR for XXXX XXXX. I am seeking assistance to address and fill gaps in my ongoing complaints already submitted. 


There has been ongoing unclear verification and conflicting information with my workplace, and status of me currently and I do not know who is responsible for contacting me regarding my health-related leave, my workplace Office HR manager, said someone would contact me, but I have no date no verification of who this person is or time. I have submitted anything that would support the reason, from my doctor why Im requesting my personal leave and ongoing continuously stressing related medical leave. 


Due to these circumstances, I am not willing to continue discussions with my local workplace, including site management or local HR. I was provided an email contact without valid identification, title, or direct contact information, for someone. Which has added to the confusion and is not an appropriate point of contact, reason. Regarding my Payroll cmplaint on going and the bank missimfomation, being miss used inernerally. That for all of this is an direct harrasment and neglect to my exercising my rights. 



XXXX ID : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CL Holdings LLC
State: ID

Complaint narrative:
Jefferson Capital is saying I owe them over XXXX dollars on a secured card that which I added XXXX dollars on and never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
I am disputing inquiries on my credit report that I did not authorize or recognize and request their prompt removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
On XX/XX/year>, I disputed a charge of {$91.00} ( Claim # XXXX ) for items from XXXX. The merchant made an administrative error with a partial refund, which caused their system to 'block ' my order. 

I contacted the merchant ( XXXX ) to return the items for a full refund. The merchant admitted in writing ( ID : XXXX ) that their system is blocked and they are 'unable to provide a return label ' or process the return. 

I provided this written evidence to Wells Fargo, but they denied the claim, stating 'merchandise matches description. ' This reason is incorrect ; the issue is 'Merchant Refusal to Provide Return Documentation. ' I am willing to return the products, but the merchant is preventing me from doing so. 

Wells Fargo refused to reopen the case or review the chat transcripts. They have scheduled a deduction of {$91.00} from my account for XX/XX/year>. I am being forced to pay for a merchants technical error that the bank refuses to investigate.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more XXXX  than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Open a new checking account with Capital One made two deposits of {$480.00} and some XXXX  one deposit had a hold where it would not be available till the XXXX and then they put the next one on hold until the XXXX this makes no sense their federal government paychecks from XXXX XXXX  from the XXXX XXXX XXXX XXXX  they even clearly stated that on the check theyre stating that they believe that the funds will not be paid I told them they could call XXXX XXXX  and verify the funds they said no they cant because its not a personal check which is XXXX because Ive done this before with the last bank that I just got rid of for the same exact reason putting federal paycheck on hold longer than 24 hours. They have every capability of making the funds available but refuse and then they talk to me like Im XXXX  and they keep referring back to a policy where theyre going to continue to hold the funds and not make them available this is not fair business this is not fair to the person who puts their payroll check into a bank they have no right to hold it for five days or longer and I want my funds made available everybody I talk to you just keep saying sir your funds will be available on the XXXX you need to just wait till the XXXX thats not acceptable they have the responsibility as a bank to listen to their customer and I believe I have a valid argument and they need to make the funds available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: U.S. BANCORP
State: AL

Complaint narrative:
I disputed the charged amount of {$780.00} from a merchant ( XXXX XXXX ) from my US Bank credit card. I did not utilize my flight due to the merchant revoking my access to board. I had to book another flight with XXXX XXXX. During the dispute US Bank asked me to send over my plane ticket with XXXX XXXX to verify I did not fly with XXXX. My claim was denied and US Bank is still charging me for a service I could not utilize.

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 2025-12-22 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: FL

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion is reporting this account as paid, closed, and with a {$0.00} balance, while simultaneously reporting 30/60/90/120-day late payments. A tradeline can not legally be paid and delinquent at the same time. 

TransUnion also reports a Date of Last Activity of XX/XX/XXXX, which conflicts with the account closure date of XX/XX/XXXX and contradicts other credit bureaus. Post-closure activity is impossible and renders the account unverifiable. 

Violations 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate reporting 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Continuing to report inaccurate data after dispute 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted

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 2025-12-22 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: TX

Complaint narrative:
I am XXXX XXXX. I have reviewed my credit report and found several unauthorized accounts being reported without my express consent, which constitutes a direct violation of the Fair Credit Reporting Act under 15 U.S.C. 1681b. I have officially filed an FTC Identity Theft Report with reference number XXXX, a complete copy of which is attached to this complaint. Pursuant to 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), I demand the immediate block and permanent deletion of the following accounts : XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ), XXXX XXXX ( # XXXX ), XXXX XXXX XXXXXXXX ( # XXXX - Charge-off ), XXXX XXXX XXXX ( # XXXX ), and XXXX XXXX XXXX XXXX ( # XXXX ). This unauthorized reporting is causing me significant financial harm and I expect these items to be removed within the 4-day statutory period required for reports supported by an official FTC filing .

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 2025-12-22 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion consumer report as a direct result of a data breach involving my personal identifying information. Due to this breach, my credit file now reflects accounts that I did not authorize, recognize, or open, and which can not be independently verified as belonging to me. 
Pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681, 1681e ( b ), 1681i, and 1681c-2, TransUnion is required to ensure maximum possible accuracy and to block and delete any information resulting from identity theft or data compromise that can not be properly verified.

I am disputing the following accounts in their entirety : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$70.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$180.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00}

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 2025-12-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased a {$200.00} amex gift card using my amex credit card online. Starting XX/XX/XXXX I have tried to use the gift card after checking the status and balance. It says active and the balance is {$200.00}, we tried to use it to buy {$29.00} on XXXX, on XXXX and in person. It was all declined. I called the merchant multiple times and no one wants to help me and I keep getting the run around.

Company response to consumer: Closed with explanation