vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Over and over I had requested removal of old phone numbers. 
They say they remove them but never do. 
On XXXX I called and spoke with a BMO representative to close my checking and credit card. 
They did not close the credit card. I have already cut it up. 
I don't know what the account number is except I can see when I log in, that it ends in XXXX. 
They sent me a feedback form about 10 days ago and again I told them to close my credit card. 
It is still open. 
I would like them to close the card. 
I have moved, there is no BMO in TN Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: PA

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> I did an appeal about why my account is closed. Y'all told me it takes 10 days to resolve the issue. But its been way over 10 days. I have {$9.00} in my account and I can't use it because my account is closed. I need y'all to reopen my account now this dont make no since that y'all be lying to y'all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Bank of America refuses to distribute XXXX from a closed Savings account. After filing a complaint previously with the CFPB they responded and gave a phone number to contact to the CFPB and never sent or reached out to me. After months of leaving messages they have never called me back.

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 2025-10-26 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  Account update please is needed wrong balance is reported on credit report effecting my credit score and report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  Account update please is needed wrong balance is reported on credit report effecting my credit score and report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Phone XXXX ( XXXX ) XXXX Subject : Request for Description of Reinvestigation Procedure Reference : Fair Credit Reporting Act 15 U.S.C. 1681i ( a ) ( 7 ) Dear Sir or Madam, This letter is a formal request for a description of the reinvestigation procedure used in connection with my dispute of information on my credit report, as provided under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

According to this section of the law, a consumer reporting agency or furnisher must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving such a request, in order to remain in compliance with FCRA guidelines.

Please provide me with the following : 1. A detailed explanation of the steps taken during your reinvestigation process.

2. The names and contact information of any entities or sources consulted in verifying the disputed information.

3. The dates on which these actions occurred.

This request is made pursuant to my rights under the FCRA, and I expect your written response within 15 days of receipt of this letter. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: OH

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX  XXXX. 
Customer Relations & Credit Reporting Department Subject : Formal Dispute Regarding Inaccurate Account Reporting Request for Deletion Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX 

Account Type : Secured Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off {$19.00} written off, {$19.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Recent Payment : {$170.00} as of XX/XX/XXXX Credit Limit : {$190.00} Highest Balance : {$190.00} Balance Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX Dispute and Request for Investigation I am writing to formally dispute the accuracy and fairness of the information being reported by XXXXXXXX XXXX XXXX  XXXX on my credit report. The account listed above was closed by the creditor, and I was never given the opportunity to resolve the alleged balance or any past due amount before the account was reported as charged off. 

Despite my attempts to contact XXXX XXXX  to resolve or pay any remaining balance, I was informed that the account could not be reopened or settled because it was permanently closed in their system. This situation left me with no avenue to remedy or make good on the account, which is both unfair and misleading under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 

The amount in question {$19.00} is minimal and should not have resulted in a charge-off that continues to negatively affect my credit profile for over four years. The reporting of this account as a charge-off is not a fair representation of my payment behavior or intent. I am requesting that this account be immediately deleted or updated to Paid as Agreed/ Closed by Consumer to accurately reflect the circumstances and prevent ongoing harm to my credit reputation. 


Supporting Information I am attaching : Copy of my government-issued ID and a current utility bill for identity verification.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : XXXX funding XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Dear LVNV I am writing to inform you that I am formally requesting you to cease and desist all contact and communication with me regarding any alleged debt or matter unless it is in strict compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq.

You are hereby notified that any further attempts to contact me, including by phone, mail, email, text message, or any other means, other than to provide the verification of the alleged debt or to inform me of specific legal action, will be considered a violation of my rights under federal law. 

Be advised that failure to comply with this notice may result in me pursuing all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and the Office of the Attorney General, as well as civil action against your company or its representatives. 

Please confirm in writing that you have received this notice and that you will honor my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-26 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: 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.

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX 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
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX game on XXXX that was listed as XXXX XXXX. I paid using PayPal.

When I received the item, the disc was unreadable on my XXXX console. I tested multiple other XXXX games on the same console and they all worked perfectly, proving that the disc is defective. 

I opened a dispute through PayPal and submitted photo evidence showing : My XXXX successfully reading another game The Crash Bandicoot disc failing to load The seller responded by telling me to try it on a XXXX, which is impossible XXXX systems do not play XXXX discs. This shows the seller did not test the item or knowingly misrepresented it as functional.

PayPal closed the case in the sellers favor without properly reviewing my evidence or
giving me the option to upload a short video clearly showing the issue.

I am requesting that PayPals dispute escalation/compliance team re-evaluate the evidence and issue a refund of {$110.00} for an item that was clearly misrepresented and non-functional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 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:
Comply with legal timelines by removing disputed accounts promptly.

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 2025-10-26 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX To : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Formal Cease and Desist Dispute and Request for Immediate Deletion of Inaccurate Account Reporting Dear LVNV Funding LLC, This letter serves as a formal cease and desist notice and dispute pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c & 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) regarding your companys unauthorized and inaccurate reporting of an alleged account to the consumer credit reporting agencies. 

Reported Account Information ( per XXXX ) : Creditor : LVNV Funding LLC ( Debt Buyer ) Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance Reported : {$650.00} Status : Collection account {$650.00} past due as of XX/XX/year> Credit Bureau Reporting Date : XX/XX/year> Dispute & Violation Notice I have never received validation of this alleged debt as required by 15 U.S.C. 1692g ( a ), including any documentation proving ownership, assignment, or contractual obligation. Reporting an alleged debt without full validation constitutes a willful violation of both FDCPA and FCRA regulations.

Your reporting of this unverified debt is false, misleading, and damaging, violating : 15 U.S.C. 1692e ( 2 ) ( A ) : False representation of debt ownership or amount. 
15 U.S.C. 1692f : Unfair and unconscionable collection practices.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to a credit bureau .

Demand for Immediate Action I hereby demand the following : 1. Cease all collection activity and contact with me by phone, mail, or electronic communication, except for notices required by law.

2. Provide full validation within 30 days including : A copy of the original signed contract, A complete chain of title from the original creditor to LVNV Funding LLC, and A full accounting statement showing how the alleged balance was calculated.

3. Delete all references to this account from Experian, Equifax, and TransUnion immediately if validation can not be provided.

4. Provide written confirmation of deletion from all credit bureaus once completed.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Jersey Attorney Generals Office, and may lead to a private right of action under 15 U.S.C. 1692k and 15 U.S.C. 1681n, which provide for actual, statutory, and punitive damages as well as attorney fees.

All further communication must be in writing only to the address listed above. 

Sincerely, __________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/year> Jefferson Capital Systems Jefferson Capital Systems ACCT # XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g Dear Jefferson Capital Systems I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide proper documentation to verify your claim.

Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including a detailed accounting of any fees, interest, or charges.

3. A copy of any judgment ( if applicable ).

4. Copies of any documents bearing my signature that show I agreed to assume this debt. 
XXXX. Proof that your agency is licensed to collect debts in my state. 
Until this debt is properly validated, you must cease all collection activity, including reporting to credit bureaus, per the FDCPA. Be advised that any further attempts to collect without proper validation may constitute a violation of federal law. 
This is a request for information only and is not a refusal to pay. Please respond within 30 days from receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: 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 List of Unauthorized Inquiries : XXXX - XX/XX/year> 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 ot
her 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