vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: UPGRADE, INC.
State: MO

Complaint narrative:
Subject : Rebuttal to XXXX Response Failure to Provide Verification or Mailed Results Description : I am responding to XXXX posted resolution to my CFPB complaint filed on XX/XX/year>. 

XXXX response states that the account from UPLIFT, INC. has been verified as accurate, but no documentary evidence or verification method has been provided. This response fails to meet the legal requirements under the Fair Credit Reporting Act ( FCRA ).

Specifically, Equifax has : Failed to provide the method of verification, including the name and contact information of the furnisher or individual contacted, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

Claimed they mailed the results, but I have never received any letter to the address they have on file. This is a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), which requires written notification of results.

Made changes to the trade line without disclosing what changes were made, why, and how the information was confirmed to be accurate.

Ignored my request for actual proof or supporting documentation, leaving me with no ability to assess the validity of the so-called verification.

This vague and procedural response by Equifax is not a resolution. I was induced to provide my personal information in a dispute process that yielded no transparency, no documentation, and no lawful compliance with the FCRA.

Requested Action : I request that Equifax immediately provide the full method of verification, including the furnishers name and contact info, and all supporting documentation used to verify the UPLIFT, INC. account.

If they can not or will not provide documentation, the disputed account must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I request CFPB oversight to ensure mailing compliance, disclosure of all data furnisher communications, and remedial action for violating my rights as a consumer. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was charged retroactive interest on XX/XX/XXXX with Comenity Bank of over {$550.00}. 
I called twice and it was stated that I agreed to this. I did not see this in the fine print. I understand that it is practice to raise an interest rate after a promotional period, but I am not aware that retroactive interest can be charged. It's made my bill impossible to pay off, which I have been paying since XX/XX/XXXX. In addition, they lowered my balance constantly putting me over my limit every month. They were not willing to negotiate this with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have open complaint before this against Bank of America on XX/XX/XXXX but I was not able to peroxide all the information pertaining to this complaint. Because of the time limit on here. This letter to inform the cfpb about the other information I have to present my claim against Bank of America due to the fraudulently freezing my bank account and prepaid debit card which I was receiving my Kentucky unemployment on that card. They froze my account on XX/XX/XXXX and was receiving my unemployment through a fraud filter without my permission or knowledge of the criminal act. It cause me financial harm because I didnt receive a check from the Kentucky unemployment around XX/XX/XXXX of XXXX because I had to receive the checks through the mail. Because I had no access to a bank account or debit card due to Bank of America freezing my debit card. I have requested the money they held from over 4and a halfs years and still havent been compensated the full amount they owe me I would like for Bank of America to complete XXXX dollars due to them funneling my money through a fraudulent account link to my debit card they have already admitted their wrong doings in the lawsuit was brought about from the consumers and that the lawsuit was won against Bank of America XXXX the money they kept with interest.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The following debt XXXX XXXX must be removed per Federal Law sinIce it is related to the CFPB Regulation V XXXX XXXX XXXX. I was an authorized user on a XXXX XXXX account which is now closed and is reporting negatively on my account. It now has negative information on it even though it is being paid as agreed.This is my Mother 's account. I did not authorize any language to be added to my Consumer Report. LAW 25 US SODE 6802 STATES NO FINANCIAL INSTITUTION CAN SHARE MY NON PUBLIC INFORMATION WITH A THIRD PARTY ENTITY. ACCORDING TO FCRA SECTION 605 IT IS ILLEGAL TO PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN PERMISSION. PLEASE REMOVE THIS NEGATIVE, FRAUDULENT ITEM FROM MY CONSUMER REPORTS 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 non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
My consumer right has been violated by the bureau by reporting informations that I do not know nothing about which violated FCRA laws I am sending this notice to the parties involved to remove the following collections as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Capital One XXXXXXXX XXXX My credit limit is {$300.00}. I am having financial hardships and I now owe with fees {$380.00}. I called today, XXXX. I only have {$30.00} to spare and the agent, who was only reading scripts, would not listen for comprehension, wanted me to pay first {$140.00} as a minimum payment. I told her again that I was only paying the {$30.00} now and more when I get paid in 2 weeks. She then proceeded to set up a scheduled payment plan which I already told her no. I only wanted to pay the {$30.00}. She kept trying to get me to agree to a higher amount scheduled payment plan. I told her that since she is refusing to take my {$30.00} payment and will not listen to what Im saying, I am filing a complaint. I know Im late. Its my fault and now I have some extra money to pay it off and they keep trying to force me into a higher payment on an agreed upon schedule so if I miss the payment, its my fault. I told her 4 times that I was only paying what I could each pay period and paying the card off. Disconnected the call and reported it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2025 I went to XXXX XXXX in XXXX, Texas. I was told it was {$40.00} cash to get in. I told them I didnt have cash and asked if I could tap. They said card only. They swiped my card for {$100.00}. I asked them why they charged me {$100.00} instead of {$40.00} like the lady stated. The lady said I was in the {$100.00} line. I said you didnt say that when I was paying, you said {$40.00}. I disputed it with my bank NFCU. They said I was charged the correct amount. I requested documentation from the determination and they didnt provide any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I asked for the charge off to be removed due to hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: MS

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: CO

Complaint narrative:
Friday, XX/XX/XXXX I was paid through my place of employment and also was sent {$500.00}, through XXXX, from my roommate for his share of the rent. I had spent money on other things like food and bills and what not, and my available balance when he sent that {$500.00} was $ XXXX. I immediately moved that {$500.00} to my saving account so I didnt accidentally spend it. I wake up today, Saturday, XX/XX/XXXX, to an overdraft fee of {$20.00}, making my available balance {$27.00}. My available balance never fell below {$0.00}. I contact KeyBank, because thats who I bank with currently, and they tell me its because of my running balance being below {$0.00} because of transactions not posted yet. My availability balance includes all of those pending transactions, but because the XXXX payment was not posted it put my running balance below {$0.00} there is no way for me to see my running balance until AFTER a transaction has posted, but my available balance always includes posted AND pending transactions. 
Their policy also states, in their file Know the Fees, Key Smart Checking in section XXXX titled overdraft and returned items it says Overdrafts occur when there isnt enough money AVAILABLE in your account, and a transaction ( such as a payment or purchase you make ) goes through anyway, resulting in a negative balance I turned off overdraft transactions with them anyway. 
Anyway, the problem is their policy says available money but are actually charging overdraft fees on the running balance you cant see until 1-3 days later, when it posts. When I quoted their own policy to them, they stated that they would get a supervisor, and when the supervisor entered the chat, the chat was immediately ended and no help was given. 
Now its Saturday, and they charge an overdraft fee every night until its above {$0.00}, and the {$500.00} isnt posting until Monday the XXXX, and will likely be charged two more {$20.00} overdraft fees until the running balance shows positive. Which will be a total of {$60.00} overdraft fees when my available balance to begin with was {$47.00}. KeyBank is not helping at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-14 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: 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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for violating my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ). 

LVNV Funding LLC is reporting a debt that I do not owe and have failed to properly validate. Despite my request for debt validation, they have continued to attempt collection without providing the required documentation, such as proof of the original creditor, a signed agreement, or an itemized breakdown of the alleged debt. 

Additionally, their conduct has included repeated denials from other creditors. 

I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX ceases all collection activity until they can legally validate the debt. I also request that any inaccurate information reported to the credit bureaus be removed immediately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: DE

Complaint narrative:
Ask TransUnion on how they add information to a credit report a collection account with XXXX  and what address was on this account pay attention to the apartment number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: Kriya Capital, LLC
State: DE

Complaint narrative:
Ask XXXX  on how they add information to a credit report a collection account with credence and what address was on this account pay attention to the apartment number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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