vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Dear CFPB, I am writing to formally dispute a debt currently being reported on my credit file by a third-party debt collector. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that this matter is investigated thoroughly and resolved in accordance with federal consumer protection laws.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the legal right to request validation of any alleged debt a collector claims I owe. In addition, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, requires that any information furnished to consumer reporting agencies be accurate, complete, and verifiable. If a debt can not be validated with appropriate documentation, it must be removed from my credit report.

To comply with these federal standards, the following documentation is required for debt validation : A copy of the original signed agreement or contract creating the debt between myself and the original creditor.

A full itemized statement showing all charges, payments, adjustments, and the final balance.

A complete chain of title, including a copy of the purchase or assignment agreement ( s ) showing the debt was legally transferred or sold to the current collector.

Verification that I was notified in writing of my rights under the FDCPA when the debt collector first contacted me.

Proof of licensing and legal authority for the collector to collect in my state of residence.

To date, I have not received documentation meeting these requirements. If the collector or original creditor can not produce the documentation listed above, I respectfully request that the debt be removed immediately from my credit reports maintained by all three credit reporting agencies ( XXXX XXXX, and XXXX  ), in accordance with the FCRA and FDCPA.

This is a formal dispute. I request that your office investigates this matter and ensures that my consumer rights are upheld. If the information can not be verified and substantiated within the timeframes required by law, it must be deleted from my credit file.

Please confirm receipt of this dispute and advise me of any updates to the status of this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CO

Complaint narrative:
I have an account for XXXX XXXX  that is not reporting to any credit bureau besides Experian. XXXX  and XXXX  have honored the fact that the account is not mine and removed it but it still remains on Experian. Please delete this account as it makes no sense and is falsely on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I had an account with XXXX XXXX XXXX that I terminated. They accelerated a payoff balance. Credence contacted me about the debt, and the same day I worked out a payment arrangement with them. I have been making payments on an installment, and have had them taken out promptly and on time. 
In spite of this, they just placed a Collection on my account severely damaging my credit even though the payment arrangement has been made, and honored, without fail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
Account XXXX XXXX XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete the collection under Account number XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was sending {$22.00} to my daughter using CashApp from my account to her account which is a custodial account under my own. It is now required to include a memo to explain the reason for the transfer. I was driving it was dark and I thought I had selected a Puerto Rican Flag emoji. Turned out I had accidentally chosen which is a Cuban flag. I believe any one with functioning eyes can see the similarities. Ive been locked out of my account since. Unfortunately for me all of my funds are in this account and my payroll check is direct deposited to this account as well. In this time frame XX/XX/XXXX to present I have not been able to purchase food gas pay my rent utilities and auto insurance! Ive reach out to customer service every day now! Its actually becoming part of my daily routine. And every time. They regurgitate the same thing : I understand your frustration we have escalated your investigation your case number is etc! 
The team is working on it! Is there anything else we can help you with? I could not go to work today because my cars are out of gas I have been able to purchase food and my rent now includes a 10 % late fee! So as it stands Im really hungry! 
In XXXX more day Ill be facing the threat of eviction my XXXX XXXX premium is passed due. Oh yeah cant go to work because Im out of gas. Take an XXXX??? How would I pay for it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank regarding deceptive practices and the charging of concealed fees on my credit card account. 

Several months ago, in an effort to be a responsible and proactive consumer, I contacted Chase to inquire about the upcoming annual fee for my credit card. I was explicitly told by a representative that the annual fee would be {$550.00}. Relying on this information, I made the financial decision to keep the card. 

However, on my most recent statement, dated XX/XX/year>, an additional, undisclosed fee of {$75.00} was added to my account on top of the {$550.00} annual fee. This {$75.00} fee was never mentioned in my prior communications with Chase. Had I been made aware that the total annual fee was {$620.00}, I would have closed the account to avoid such a significant charge. 

The concealment of this additional fee is a deceptive business practice. When I contacted Chase to dispute the {$75.00} charge, they claimed I had been previously notified. Despite my requests, I have been unable to locate any such notification. I asked the customer service representative to review our past correspondence and call records to verify my claim, but they refused to do so. They have also refused to refund the fee. 

Furthermore, the fee was posted to my XXXX statement at the very last moment, which left me with no reasonable amount of time to review the charge and address it with the bank before the statement closed. This feels like a deliberate tactic to prevent customers from disputing such charges in a timely manner. 

Chase 's actions constitute a failure to provide clear and transparent information about their fees, which has led to direct financial harm. Their refusal to review the evidence of my prior communications or to acknowledge their lack of transparency is unacceptable. 

I request that the CFPB investigate this matter and that Chase be required to refund the improperly disclosed {$75.00} fee. This experience has been frustrating and has eroded my trust in Chase as a financial institution. 

Thank you for your time and attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
I submitted multiple disputes to Experian regarding inaccurate reporting on a closed XXXX account, including a false late payment ( XX/XX/year> ) reported after the account had already been closed. Experian refuses to correct the data, disclose the method of verification, or acknowledge documentation Ive mailed. XXXX has admitted they can not verify late payments post-closure, yet Experian keeps reporting them. I also requested the addition of a verified installment loan shown on XXXX  but missing on Experian. 

Details : - Case XXXX XXXX XXXXXXXX ( Supervisor : XXXX ) - Experian - Calls with XXXX agents ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) confirm they cant verify - Experian refuses to provide Method of Verification per FCRA 611 ( a ) ( 7 ) - Ongoing violation of FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 7 ), 616, 617 - Ongoing violation of California Civil Code 1798.105- I submitted a formal final demand letter with a schedule of damages exceeding {$78000.00}

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 explanation
Consumer complaint received 2025-06-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Referencing case # XXXX, which the company replied to finally on XX/XX/year> and the bureau closed the case. I submitted feedback on that case online, but decided to open a new case on this bad reply. 

My issue is I requested a {$200.00} credit limit increase online on my XXXX account. I showed them the application page I got. They first replied with a sample page showing in fine print at bottom that upon submitting, they will pull my credit report. I wrote to them then saying it's not my page, as they never explained it was only a sample page which they replied later. 

I wrote again, and they declined to change my hard inquiry to a soft inquiry. I showed them the webpage I get every time, and nowhere does it state they will pull a credit report. And all other banks with whom one has an existing account, they can often do soft pulls/soft inquiries, not hard inquiries which are reserved for new credit. 

The company, XXXX, refuses to acknowledge that customers are getting a different web page response which does not match their ideal sample page. What's the problem with changing to a soft inquiry?

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 2025-06-08 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
I received an American Express gift card and have repeatedly tried to use it at online retailers and it is continually declined for purchases. I have tried over 10 establishments and it is declined almost everywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 maXXXX concern I did not open these accounts. Please remove account immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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 maXXXX concern I did not open these accounts. Please remove account immediately. Thank you.

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 2025-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I have filed 3 disputes with BlackHawk Network regarding missing refunds from failed transactions. All 3 concern XXXX gift cards serviced by XXXX. Each case involves the amount of {$200.00} which was supposed to be transferred to a reloadable debit card at a XXXX XXXX XXXX 

The first instance occurred on XXXX ( XXXX card ending in XXXX ). I submitted the company 's dispute form on XXXX. It was assigned the case number XXXX. 

The second instance occurred on XXXX ( XXXX card ending in XXXX ). I submitted my second dispute case on XXXX. It was assigned the case number XXXX. This number was subsequently changed to XXXX which apparently combined both cases. 

The third instance occurred on XXXX ( XXXX card ending in XXXX ). Since I did not receive a cashiers receipt of the failed transaction at the XXXX XXXX XXXX, I contacted their corporate office by email and was told that they were not able to find a transaction with the card number in question. I submitted a third dispute form with XXXX. They acknowledged receipt and assigned it a new case number : XXXX. 

I am not sure whether this case number covers all 3 instances. 

I have submitted all records that BlackHawk Network requested. I have also spoken to their phone representatives several times and was promised an expedited resolution on XXXX since all documentation was complete. Notwithstanding that, I received another email on XXXX requesting pictures and purchase receipt of one of the gift cards. 

On XXXX I received another email from XXXX claiming they are still working on my dispute, referring to case number XXXX. 

Whether through ineptitude or a lack of good faith, XXXX has failed to refund my missing {$600.00} in the time they promised. There is a reprehensible lack of clarity and professionalism in their process. I had to remind them twice that my last dispute case concerns {$200.00}, not the {$500.00} they kept referring to in their notices. I can only hope their professed working with the merchant ( s ) has been taking place. I am skeptical because finding out from the XXXX XXXX XXXX that no funds were ever received by them took me only a few days, rather than months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My account was hacked and scammers made crypto purchases with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: TN

Complaint narrative:
Collection Account XXXX  XXXX Willful and Inaccurate Credit Reporting I previously submitted a written dispute to XXXX XXXX XXXX ( XXXX ) and sent a formal legal notice by fax on XX/XX/XXXX, giving them XXXX business days to remove this account from my credit reports due to clear violations of the FCRA and FDCPA. They have not responded or resolved these issues, and continue to report false, misleading, and unverifiable information. 
This account, reported under Experian, shows : Monthly " C '' payment history ( XXXX XXXX XXXX ) on a collection, which is illegal and misleading as if I made payments I never made. 
ND entries in random months and inconsistent updates, violating accuracy under 15 U.S.C. 1681i. 
The account is over XXXX XXXX XXXX ( opened XX/XX/XXXX ), but is falsely updating monthly, creating illegal re-agingand harm to my score. 
Scheduled to remain until XX/XX/XXXX, which exceeds the FCRA 's XXXX limit from the date of delinquency. 
I included this evidence in my letter and fax confirmation. The company is clearly in violation of the law, and I am demanding permanent deletion of the account due to failure to validate or accurately report the account. 
If not deleted, I will escalate to legal action and notify the GA Attorney General and FTC

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 2025-06-08 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: TN

Complaint narrative:
Collection Account XXXX  XXXX Willful and Inaccurate Credit Reporting I previously submitted a written dispute to XXXX XXXX XXXX ( XXXX ) and sent a formal legal notice by fax on XX/XX/XXXX, giving them XXXX business days to remove this account from my credit reports due to clear violations of the FCRA and FDCPA. They have not responded or resolved these issues, and continue to report false, misleading, and unverifiable information. 
This account, reported under Experian, shows : Monthly " C '' payment history ( XXXX XXXX XXXX ) on a collection, which is illegal and misleading as if I made payments I never made. 
ND entries in random months and inconsistent updates, violating accuracy under 15 U.S.C. 1681i. 
The account is over XXXX XXXX XXXX ( opened XX/XX/XXXX ), but is falsely updating monthly, creating illegal re-agingand harm to my score. 
Scheduled to remain until XX/XX/XXXX, which exceeds the FCRA 's XXXX limit from the date of delinquency. 
I included this evidence in my letter and fax confirmation. The company is clearly in violation of the law, and I am demanding permanent deletion of the account due to failure to validate or accurately report the account. 
If not deleted, I will escalate to legal action and notify the GA Attorney General and FTC

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 2025-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX, Texas, was hit by Hurricane Beryl. Due to the destruction and lack of power, I was forced to leave my home for 9 days. This situation put an undue financial burden on me. I reached out to see if I could skip one month of my mortgage to assist. They offered me a natural disaster forbearance that would last until XX/XX/XXXX. Beginning in XXXX, I reached out to begin making my payments again, but was informed that I could not until the forbearance was over ( XX/XX/XXXX ). I again attempted in XXXX and XXXX, without luck. At no time during this forbearance did I receive information regarding the next steps. The mortgage company would call about every 2-3 weeks to see if I was still living in the home, and that was it. In XXXX, they reached out to finally begin the process of repayment. They collected some information and then in XXXX I was presented with an offer. However, the offer was {$800.00} more per month than my original mortgage, something that I am not able to afford. They stated that this was not an issue, that it would just go back to underwriting for them to offer another option. In XX/XX/XXXX, I received a notification on my credit report that I was 180 days past due for my mortgage, yet I had been requesting to pay since XX/XX/XXXX. Not until late XXXX did the mortgage company contact me again with another offer, despite my phone calls. I accepted this offer and was told to make my XX/XX/XXXX new payment in order to avoid any issues. I made the payment, and then was contacted in XXXX XXXX, with another offer, changing the offer in late XXXX due to a mistake in the underwriting process. All this said, it is XX/XX/XXXX, and I just received my paperwork on XX/XX/XXXX. The credit reporting of 180 days late in XXXX is simply not true. I was under a natural disaster forbearance through XX/XX/XXXX, as stated by the mortgage company, and I attempted to make payments, but was instructed not to until the offer was provided. This has devastated my credit score ; no fault of mine. I have reached out on several occasions to the mortgage company and disputed the reporting. The mortgage company said that they can not change anything, it is unfortunate this occurred, and they will open up a claim to look into 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