vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: BTH Management
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I stayed at a XXXX XXXX and attended a timeshare presentation. I clearly rejected purchasing a timeshare. The sales representative told me I was only applying for a credit card and asked me to sign documents under that representation. Those documents were later treated as a timeshare ownership contract. I did not knowingly consent to any timeshare purchase. 
Within 7 days of signing, I contacted XXXX to cancel the timeshare contract. Despite my timely cancellation request, XXXX did not cancel the contract. XXXX is now repeatedly contacting me and demanding monthly payments for a contract I did not agree to. These repeated payment demands feel harassing.

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 2025-12-15 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: FL

Complaint narrative:
I am submitting this dispute to Equifax regarding the accounts listed below. These accounts have discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and require review and correction. This dispute involves charged-off accounts, a reporting error on a balance, and the handling of late payments. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is reported as charged off, and I am requesting that it be reviewed and corrected, as it does not accurately reflect my credit history. 

XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} I believe the balance and status of this account are incorrectly reported. I request a thorough investigation into its details and correction of any errors. 

XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} I am disputing this accounts reported balance, as it appears to be incorrect. Please review and update accordingly. 

XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} This account has an inaccurate balance and needs to be reviewed for possible errors in reporting. 

Inquiries : There are no inquiries listed in my Equifax report, which suggests either no reporting of these actions or an oversight in handling my disputes. Please verify and update accordingly. 

Late Payment : XXXX  XXXX Account Number : XXXX This late payment entry needs further review, as I dispute the accuracy of the reported payment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts that appear on my credit reports. Please review the details for each bureau, and kindly investigate the inaccuracies and inconsistencies listed below. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late Payment Accounts : XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America reversed a {$100.00} temporary credit from my account without explanation. Representatives stated I was " found liable '' but could not identify the transaction or basis for liability. The transaction does not appear on the website, only partially in the mobile app, and I am unable to submit a claim through Bank of America 's systems. This prevents me from exercising my rights under Regulation E.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services, acting on behalf of LVNV Funding, is reporting a collection account on my consumer credit report as a debt buyer. 

I disputed the accuracy and ownership of this account with the consumer reporting agencies in XXXX and again in XXXX after determining that no documentation was provided showing lawful assignment of the debt, chain of title, or an itemized accounting of the balance being reported. 

Despite these disputes, the account was verified without Resurgent or LVNV Funding providing evidence that it has legal authority to report this debt or that the information is accurate. 

The account reflects repeated collection status without balance changes or meaningful updates, which raises concerns that verification was completed without a reasonable investigation as required by the Fair Credit Reporting Act. 

The continued reporting of this unverified account is damaging my credit profile. 

I am requesting deletion of this account from all consumer credit reports due to the companys failure to substantiate ownership and accuracy of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I signed up for the Chase XXXX XXXX card through United Airlines back on XXXX. A promotion for a {$300.00} statement credit after purchase with use of the card was offered along with XXXX bonus miles after {$3000.00}. I signed up through the United app for this sign up bonus. I used the credit for purchase and never received the statement credit. Ive been told that the sign up bonus I received was something completely different. I spoke with Chase multiple times around this, Ive got calls documented on XX/XX/XXXX with XXXX, a case number, a call with XXXX on XXXX and a call on XX/XX/XXXX with XXXX, this call resulted in me being told that if I wanted this problem resolved I needed to spend {$3000.00} first to have my sign up bonus offer corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Fig Tech Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: WA

Complaint narrative:
MY CREDIT CARD ENDING IN XXXX WITH BANK OF AMERICA WAS CHARGED 10 TIMES BY XXXX FOR TICKETS THAT I DID NOT PURCHASE ON XX/XX/25 FOR A GRAND TOTAL OF {$870.00}. BANK OF AMERICA TEXTED ME WHEN THE CHARGES WERE TAKING PLACE ASKING IF I MADE THE PURCHASES AND I TEXTED NO THAT I DID NOT MAKE THE PURCHASES. THEY CANCELLED MY CARD THAT DAY AND EVENTUALLY SENT ME A NEW ONE. THEN, THEY CREDITED MY ACCOUNT BACK FOR ONLY XXXX OF THE XXXX CHARGES ( {$250.00} WAS CREDITED BACK ). THEY CLAIM THAT XXXX SENT THEM INFORMATION THAT SHOWED THAT I MADE THE XXXX OTHER PURCHASES BUT NEVER SENT ME THAT INFORMATION. THEY HAVE DECLINED MY DISPUTES TWICE NOW AND WON'T CREDIT BACK THE REMAINING {$610.00}.

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 monetary relief
Consumer complaint received 2025-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
On XX/XX/year>, I received a targeted Capital One Shopping promotional offer advertising 30 % back at XXXX XXXX, valid through XX/XX/year>. 

I accessed the offer directly through the Capital One Shopping email and activated it prior to checkout. I then completed a qualifying purchase at XXXX XXXX on XX/XX/year>, totaling {$1100.00} before tax. The purchased item does not fall under any stated exclusions for the offer. 

During checkout, Capital One Shopping displayed confirmation that the rewards were activated, and the purchase was completed within the offer window. 

After the purchase, the expected rewards were not credited. I contacted Capital One Shopping support multiple times and provided screenshots documenting : The targeted offer and expiration date Activation of the offer prior to checkout Confirmation during checkout Proof of purchase and order details Despite providing this documentation, Capital One Shopping support stated that they had no record of the higher rewards rate and declined to apply the reward. A supervisor later stated they were unable to proceed further but did not identify any specific eligibility criterion that was not met, nor did they dispute the evidence provided. 

I am requesting that Capital One Shopping honor the advertised and activated promotional offer in which a customer met all the required criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a joint account holder on a Navy Federal checking account enrolled in Optional Overdraft Protection Service ( OOPS ). Navy Federals disclosure states that OOPS is available up to {$500.00}, with the account potentially overdrawn up to {$550.00} to accommodate fees or a transaction. 

Despite this disclosure, the account was permitted to reach a negative balance exceeding {$2500.00} due to multiple debit card transactions related to a car rental. These transactions were authorized and posted even after the disclosed OOPS limit had been exceeded. 

I submitted a formal written dispute requesting an explanation for why transactions were not declined once the OOPS limit was reached, and requesting that Navy Federal identify any policy or agreement authorizing overdrafts beyond the disclosed {$500.00} {$550.00} limit.

Navy Federal responded by explaining general debit card authorization and hold procedures, but did not address why the account was allowed to exceed the disclosed OOPS limit, did not identify any policy or agreement authorizing overdrafts beyond that limit, and did not address my request for review or correction of the excess overdraft amount. 

I sent a follow-up response advising that their reply did not address the substance of my dispute. As of now, the dispute remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am submitting this complaint regarding inaccuracies on my Equifax credit report. I am actively working to improve my credit and ensure that all information reported is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). I request a reinvestigation of the following items : Charged-Off Accounts I dispute the accuracy and balance of the following charged-off accounts : XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$530.00} These accounts are being inaccurately reported, and I request that they be validated or removed. 

Inquiries I dispute the following inquiry, as it was made without my authorization or consent : XXXX  Date : XX/XX/XXXX Please verify that this inquiry was authorized, or remove it from my report. 

Late Payments I dispute the late payment reporting on the following accounts, as they do not accurately reflect my payment history : XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX These payments should be reviewed for accuracy and removed if found to be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
XX/XX/year> I was checking my credit score on Experian site. I saw this company on there that didn't make sense to me. I'll attach copy of info. I called the company phone number and got recording " This is not a working number ''. See small print at bottom of page please. The info appeared to say it was obtained from my bank. I spent almost 3 hours trying to speak with someone at Experian. Numerous phone numbers, numerous BOTS, with an occasional live person. The first lady put fraud alert on my credit then transferred me to someone who could tell me how this happened. He couldn't. He removed the fraudulent account then transferred me to someone who could tell me how the account got on my report. He couldn't. He said now that it had been removed, everything was just great. He said that company would be blocked from my account. I asked him how did anyone know if another account could just turn up magically? He couldn't answer that either. These places are getting horrible about not letting calls through to someone who can help you. If a fraudulent account can get listed or into my account, how bad could that be?

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 2025-12-15 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: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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