vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Saturday XX/XX/year>2025 morning I deposited {$7000.00} in XXXX {$100.00} bills at Bank of America ATM ( ID : XXXX ) using my mobile wallet Bank of America Debit Card. The money is from my family. The ATM stated it could handle up to XXXX bills at once. Due to the large amount of money and a beeping noise coming from another ATM other people were using nearby I elected to insert it in one transaction directly from the red envelope I was storing it in to maintain privacy. They were neatly stacked in one stack inside the red envelope but may have become messier as I inserted it into the ATM. After processing for a minute or so, the ATM stated it could not correctly count my deposit and could not return the bills either. It asked me how much I put in, to which I input {$7000.00}. At XXXX XX/XX/year>2025 it then gave me a receipt saying that only {$300.00} would be deposited to my checking account for this ATM transaction. The receipt also said at the bottom We apologize for the inconvenience. We created an issue record that will be attached to your transaction. Please retain your receipt until you have spoken with an Electronic Claims associate. They can be contacted at XXXX to resolve the issue. The ATM then displayed an error message saying This ATM is currently unable to accept cash or checks, and there was a number to report a problem ( XXXX ). I called this number and was told a technician would be dispatched to fix the ATM, and I would be transferred to another department to help with my missing money. I spoke with XXXX and explained my situation, who then filed a billing dispute claim to my account for {$6700.00}, the claim ID is XXXX. I was told no further action was required, so I returned home. I returned at XXXX the same day and saw that the same ATM I used no longer displayed the error message I saw, so I believe the technician fixed it sometime before I returned. As this is a large sum of money I returned to the attached Bank of America Financial Center on Monday XXXX/XXXX/2025 during business hours to ask an employee if there was anything else I could do or they could do. They informed me that they have no control over the Bank of America ATMs at their location as they are handled externally and I would have to call the phone numbers on the ATM.

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue XXXX, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Sc XXXX Last 4 : XXXX JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/year> To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit but also damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account and dispute, with all my personal information to verify my identity to help expedite this process.

By provision of 15 USC section 168Li of the fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show PAID IN FULL/AS AGREED or remove this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outline is completely inaccurate and there is a very serious error in reporting, please update this information : Account Name : JEFFERSON CAPITAL SYSTEMS & Account number : Account Name : JEFFERSON CAPITAL SYSTEMS & Account number : This account is listed as a collection/charged off account on my credit report, but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099 to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete it immediately.

Pursuant to 15 US section 168l i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy of and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses in my report when its time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
I AM WRITING TO DISPUTE A LATE PAYMENT REPORTED ON MY CREDIT FILE. THIS LATE PAYMENT ON " XX/XX/year>2018 '' IS BEYOND THE SEVEN-YEAR REPORTING LIMIT SET BY THE FAIR CREDIT REPORTING ACT ( FCRA ) AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. THANK YOU FOR YOUR ATTENTION TO 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 explanation
Consumer complaint received 2025-07-30 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at th
e time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-30 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Whenever I would process a payment on my credit card accounts I would do it using my Capital one checking account but once it went through the system would process it through old bank accounts that I no longer use and have no funds the app didnt give me the option to delete those other accounts whenever I would see a payment had returned I would immediately process the payment again and this last time it went through right away I dont think it is fair because I always make my payments and on time now this account closure is going to affect me a lot on my credit score and I am trying to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 # XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2023, Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Disputing Inaccurate Citibank/Citi Credit Card Reporting No Validation Provided I am submitting this complaint to formally dispute the continued reporting of an inaccurate credit account under Citibank, N.A., as reflected in my XXXX  credit report dated XX/XX/scrub> 2025. 

Details of the account in question : Creditor Name : Citibank NA Account Type : Credit Card Account Number ( as reported ) : XXXX Reported Balance : {$3100.00} Status : Closed / Charged off Payment History : Delinquencies reported prior to charge-off Last Reported Date : Varies across bureaus SSN ( last 4 digits ) : XXXX This account is negatively impacting my credit profile and no supporting documentation has been provided by Citibank or its agents in response to previous requests for validation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under these regulations, I am requesting : Full validation of the debt, including billing statements, full payment history, original signed application, and written notices of delinquencies ; or Immediate deletion of the account from my credit report if validation can not be produced.

There is also a reporting inconsistency across credit bureaus that raises concerns about compliance with FCRA standards. This account was not found in the documents Citibank previously claimed to have reviewed, and yet continues to be reported to XXXX, further damaging my credit standing without resolution. 

Please escalate this complaint and ensure the necessary steps are taken for proper investigation, validation, or deletion of this account. 

Attached : Copy of my XX/XX/year>2025, XXXX  Credit Report showing this Citibank tradeline. 

Thank you for your assistance in resolving this matter. 

Sincerely, 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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a payment of {$370.00} via PayPal to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>2025, for a XXXX  appointment scheduled for XX/XX/XXXX. I canceled well in advance but the merchant has refused to issue a refund. I contacted her and received a generic response that deposits are non-refundable despite no service being delivered and no proof of costs incurred. 

This merchant has a long-standing pattern of fraudulent activity, with multiple public reviews describing the same scam : customers cancel weeks ahead and are told their money is non-refundable. She does not respond to most emails, her business phone number is inactive, and she continues collecting funds under this deceptive scheme. I filed a PayPal dispute ( Case ID : XXXX ) with all relevant documentation. 

PayPal has not resolved the case yet, and I am concerned they are enabling merchant fraud by allowing her to continue operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Issue Category : Incorrect information on your credit report What happened? 
I recently discovered a collection account on my credit report from Sequium Asset Solutions related to a past-due XXXX bill. I had not been properly informed about this debt their communications were going to my email spam folder, and I never received clear or timely notice. 

As soon as I saw the collection on my credit report, I contacted Sequium directly on XX/XX/ 2025, confirmed the debt was valid, and paid it in full the same day. 

During the call, the Sequium representative assured me verbally that the account would be removed from my credit report upon payment. Despite this, the account was only marked as Paid and is still being reported, which is unfairly damaging my credit score.

I acted in good faith, took immediate responsibility for the debt once I became aware, and followed Sequiums instructions. Their failure to remove the account as promised after payment and the lack of proper notification raise serious concerns about fair debt collection and reporting practices. 

Company : Sequium Asset Solutions Account Number : XXXX. 
Original Creditor : XXXX  Payment Date : XX/XX/2025 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-07-30 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/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