vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
Dear Experian, I am submitting this dispute in relation to the following accounts listed on my credit report. Please conduct an investigation and provide me with documentation to verify the accuracy of the entries. I respectfully request that any unverifiable items be removed from my credit report. 

XXXX XXXX I am disputing the following charged-off account : Account Name : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} INQUIRIES I am disputing the following inquiries that were improperly reported : Account Name : FACTUAL DATA Date Open : XX/XX/XXXX Account Name : FACTUAL DATA Date Open : XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX LATE PAYMENT I am disputing the following late payments that I believe were inaccurately reported : Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX 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 2025-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This company is the worst for customer service! I filed a dispute against XXXX months ago and this garbage company never contacted me about it! The XXXX  charge was wrong! I had to get a refund from the company to resolve that after months! All this trash bank does is make excuses behind a computer screen! I want all my checking accounts and savings accounts and credit cards closed with this company! I don't want to do business with them ever! You also can't file a dispute without calling someone -- -useless! Other banks do this no problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KY

Complaint narrative:
Debt collection through IC systems for XXXX XXXX for an animal and the month of XX/XX/year>. I dont have this animal. Ive never had this. I dont know what this is and why its being charged under my name.

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 2025-11-05 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: NJ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/year>, I made a {$880.00} purchase through XXXX ( XXXX # XXXX ) using my USAA Visa card ending in XXXX. The order arrived incomplete, missing several pieces. After receiving no help from XXXX or the third-party seller, I filed a billing dispute with USAA in XX/XX/year>. 

After I filed, the seller agreed to take the product back. I returned the items with tracking confirmation, yet no refund was ever credited to my account. 

On XX/XX/year>, XXXX XXXX XXXX emailed me confirming that the case had been approved in my favor and that they had asked USAA to close the dispute and issue the refund within XXXX business days. USAA then closed the dispute, claiming a refund had been issuedbut no refund ever appeared on my account. 

When I contacted XXXX again in XX/XX/year>, they reversed their position, saying that because I involved my bank, they would not assist further. I am now left with no credit from USAA and no refund from XXXX, despite written confirmation that the refund was approved. 

USAA has not provided any documentation ( e.g., Acquirer Reference Number ) to prove that a credit was ever posted. I am requesting that the CFPB investigate USAAs handling of this card dispute, confirm whether XXXX network procedures were followed, and ensure the refund is properly credited to my account.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Essential Lending Inc
State: TX

Complaint narrative:
I am filing this complaint against WISELOAN regarding the account WISELOAN XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance Owed : {$1800.00}, reported as a collection. I have no knowledge, record, or relationship with WISELOAN regarding this alleged debt. I never opened or authorized any account with this company, and no documentation has been provided to verify its legitimacy. 

This account appears to be inaccurately reported or fraudulent, and WISELOAN has failed to provide any proof of debt ownership or validation linking me to this account. Reporting unverifiable or false collection information violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( requirement for accuracy ) and 611 ( a ) ( requirement to verify disputed data ). 

This false reporting has negatively impacted my credit profile and financial reputation. Despite prior disputes, no evidence has been provided confirming that this debt is valid or belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have suspicion to believe XXXX of my children 's SSN 's were used for a tax return that we did not authorise. Their SSN Identity might have been compromised. 
They are all under the age of XXXX XXXX XXXX, so I can not get a credit score/rating in their names done. 
It was advised to lay a complaint regarding this.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have suspicion to believe XXXX of my children 's SSN 's were used for a tax return that we did not authorise. Their SSN Identity might have been compromised. 
They are all under the age of XXXX XXXX XXXX, so I can not get a credit score/rating in their names done. 
It was advised to lay a complaint regarding this.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX Services XXXX XXXX XXXX XXXX e-mail : XXXX XXXX XXXX XXXX, unit XXXX XXXX, ca, XXXX company responsible for not paying : XXXX XXXX XXXX XXXX Block Inc ) ph : XXXX e-mail : XXXX I used Square merchant services for my business transactions, amount of {$26000.00}. 
They charged my company their transaction fees, then they requested paperwork for these transactions ( invoices, customers personal information : drivers license copy ). After providing all that information, they closed my merchant account and put my funds on hold for XXXX XXXX 
after XXXX XXXX, i received an e-mail that they will add additional XXXX XXXX to hold funds, because there was chargeback. 
there is no chargeback on my account from the customer, i called customer service, and they repplied by e-mail that there is no issue with the account and i will receive the funds in XXXX XXXX on XX/XX/XXXX th. 
i will attach that e-mail. 
after XX/XX/XXXX i called customer service, representative by named XXXX promised to transfer the funds asap and she said funds will be available in my account no later than XX/XX/XXXX. 
it is already XX/XX/XXXX th, we still have not received funds. i have made multiplie phone calls to customer service, they are not giving any explanation and they just hang up the phone, i have recorded couple of conversations with them. 
they refuse to provide their last name or employee id #. 
i am kindly asking to resolve this issue and transfer my funds, amount of {$26000.00}. 


if you need additional information feel free to contact me by e-mail or by phone anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: MD

Complaint narrative:
Dispute complaint against XXXX XXXX XXXX ID # : XXXX This correspondence serves as a formal complaint and demand for deletion regarding an unverified and inaccurate collection account that continues to appear on my credit file. The account was originally reported by January Technologies , Inc., acting on behalf of XXXX. 

Additionally, I received email communication from XXXX confirming that January Technologies , Inc. was the entity previously responsible for collection activity on the account. 

Following multiple disputes and communications, I received written correspondence directly from January Technologies , Inc., confirming that they are no longer responsible for or in possession of this debt and advised me to contact the original creditor. 

These two written statements clearly contradict one another and conclusively establish that neither party currently claims ownership or responsibility for this alleged debt. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable investigation when the accuracy of information is disputed. Further, under FCRA 611 ( a ) ( 5 ) ( A ), if an item of information is found to be inaccurate or can not be verified, the agency is required to promptly delete that item from the consumers credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am writing to dispute the following charged-off account, which I believe is inaccurately reported on my credit report. Please review the details provided below and remove any discrepancies in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX XXXX after Administrative Closure ( No SSN ) My secured credit-card account with Bank of America was administratively closed for No SSN. This reason was communicated to me multiple times by branch staff and by the collections department. After closure, I could not make payments because the account was not active in the system. 

Despite that, Bank of America later furnished a Charge-Off on this tradeline. This is inaccurate and misleading because the payment grid shows XXXX late ( no delinquency ), there is no DOFD ( Date of First Delinquency ), I received no notice of any past-due/charge-off status or opportunity to cure, and the tradeline is reported as revolving with a {$3000.00} limit and included in utilizationwhich contradicts Metro 2 ( CRRG ) expectations for administrative closure and for any charge-off ( a valid DOFD is required ).

This conduct violates FCRA 623 ( a ) ( 1 ) ( 2 ) ( accurate/complete furnishing ) and 623 ( b ) ( duty to correct after dispute ), undermines FCRA 607 ( b ) ( CRA accuracy ), and Reg V , 12 CFR 1022.43 ( b ) ( 3 ) ( failure to furnish the XB dispute indicator during disputes ). It is also unfair/abusive ( UDAAP ). I was treated hostilely and dismissively by collections ; I have reasonable grounds to believe my name/accent/national origin contributed to that treatmentplease route fair-lending aspects for ECOA/Reg B review as needed.

Please also forward this complaint to the banks primary regulator ( OCC ) for supervisory review. 
XXXX contact : XXXX XXXX BoA case : XXXX Requested resolution EN ( paste as-is ) XXXX. Issue an AUD off-cycle DELETE/SUPPRESS of the tradeline at all CRAs ; or at minimum correct to Closed {$0.00} balance / {$0.00} limit / 0 % utilization/ no derogatory consistent with administrative closure. 
XXXX. Provide full MOV documentation : account agreement; basis for DOFD ; charge-off authorization/records ; payment-acceptance logs ; branch/collections call logs ; XXXX ACDV/AUD IDs and timestamps. 
XXXX. Confirm no reinsertion under FCRA 611 ( a ) ( 5 ) ( B ) and notify other CRAs consistent with 623 ( b ).

4. Provide a written confirmation of corrective actions and appropriate compensation for the harm caused.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RockLoans Holdings LLC
State: MA

Complaint narrative:
DEAR ROCKET LOANS : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as F
DCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm XXXX unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IN

Complaint narrative:
I am disputing several accounts and inquiries on my TransUnion credit report. Under FCRA 611 and 609 ( e ), I request verification of all items below or immediate removal if unverifiable. 

Charged-Off Accounts SXXXX 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 Please verify accuracy, reporting period, and court documentation. 

Hard Inquiries The following inquiries appear to have been made without valid authorization or clear consent : 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  Please verify or remove if unverifiable.

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