vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is a follow-up complaint to my initial filing on XXXX XXXX regarding a systemic failure with Bank of America XXXX 

The issue : {$10000.00} in funds are missing due to a documented supervisor error/system failure during an in-bank transfer approximately XXXX years ago. XXXX bank XXXX showed an impossible status : the account had an opening deposit of {$10000.00}, NO Activity, but a XXXX balance. 
The Bank 's Failure : The resolution XXXX assigned to my initial case, XXXX XXXX, has been entirely non-responsive to my phone calls and emails for over 15 days, stalling the entire resolution process. Bank of America is failing to adhere to the required CFPB resolution process. 
XXXX Requested : I am requesting that the CFPB immediately review the bank 's non-responsive conduct and reassign this case to a contact within the XXXX XXXX for urgent resolution. I have also filed a parallel complaint with the 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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I emailed UNIFIN, XXXX a formal Cease & Desist notice and a Debt Validation Request under the FDCPA ( 15 U.S.C. 1692g and 1692c ( c ) ). UNIFIN did not respond with any written validation of the alleged debt. Instead, they continued to contact me by phone and text message after receiving my cease communication request. 

UNIFIN also blocked my attempts to email them, preventing me from receiving written communication and preventing me from exercising my rights to dispute or validate the debt. This behavior violates the FDCPA requirements which prohibit further communication after written notice is given, and require written validation before continuing collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I believe this is a fraudulent account on my credit report. I believe this is an account that was taking out in my name. I have requested information to validate the debt. 

1. Proof I Owe the Debt A copy of the original signed contract or credit agreement, containing my handwritten or electronic signature.

A complete account history from the date the account opened through charge-off, including all transactions, payments, fees, interest, and balance calculations.

2. Proof You Have Legal Authority to Collect Documentation proving ownership of the debt, including all assignments or transfers ( chain of title ).

Proof of your authorization to collect on behalf of the current creditor, if you do not own the debt.

3. Required Itemization of the Amount Owed A full itemized accounting of the balance, including : principal interest late fees collection fees any additional charges 4. Proof the Reporting to XXXX  Is Accurate Verification of all dates and amounts being reported, including : date opened date updated last payment date charge-off date original balance current balance Confirmation that all credit reporting complies with FCRA accuracy requirements.

5. Charge-Off Documentation Official charge-off statement showing the balance at the exact moment of charge-off.

Documentation of any amounts added or adjusted after charge-off.

6. Proof the Debt Is Legally Enforceable Verification that the alleged debt is within the statute of limitations.

Proof that the debt has not been paid, settled, forgiven, or discharged in bankruptcy.

Proof that the debt is not the result of identity theft or fraud.

7. Required FDCPA Notices A copy of the initial notice of debt, including : the FDCPA XXXX disclosure notice of my right to dispute within 30 days the date this notice was provided 8. Identification of the Current Creditor The legal name, address, and phone number of the current owner of the debt.

Name and title of the person or department who can respond to this request.

IMPORTANT Until this information is provided, you must cease all collection activity and cease all reporting of this account to any credit bureau, including XXXX, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
Experian verified disputed accounts without providing evidence, documentation, or identifying the method of verification. Equifax continues to report multiple outdated, inaccurate, duplicate, and unverified accounts. Both XXXX XXXX XXXX and XXXX XXXX XXXX to provide legally required documentation supporting their reporting. These actions violate FCRA 609, 611, and 623, among others.

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 2025-11-26 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: NY

Complaint narrative:
I was scrolling on an auction site and accidentally pushed the bid button, I contacted the company and told them I didnt want to bid before the auction ended and they refused to remove the bid, unfortunately no one else bid and I was stuck with the item, I told them do not charge my card and they fraudulently charged it anyways. I reported it to the credit card company and they honored the charge despite the fact the card was locked. They then took the auction companies word over mine and decided I owed the money. I received nothing, they gave the item to the back up bidder and didnt lose any money or have any damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I staked approximately XXXX XX/XX/XXXX using the XX/XX/XXXX platform. The XX/XX/XXXX appeared in my account immediately after staking, but by the next morning it was no longer visible anywhere in my account. This appears to be an internal ledger or staking credit error on XXXX side. 

I opened a support ticket with XX/XX/XXXX on XX/XX/XXXX and provided all requested information. I received XXXX initial response on XX/XX/XXXX stating that the issue was being reviewed, but since then XX/XX/XXXXhas not responded to any of my follow-up messages for over a week ( messages sent XX/XX/XXXX and XX/XX/XXXX ). I also sent further messages on XX/XX/XXXX with a new ticket and received the same response regarding a review and no response for follow up messages on XX/XX/XXXX an XXXX. My funds are still missing. It is also clear based on my account activity that I had purchased XX/XX/XXXX and there is no activity showing it withdrawn so it should be in my account even though it is not shown. 

As a New York regulated trust company, XX/XX/XXXXis required to maintain accurate account balances and timely resolve consumer issues. At this time, I have been left without my assets and without communication. 

Amount of Cryptocurrency Involved : XXXX XX/XX/XXXX Timeline : XX/XX/XXXX : XX/XX/XXXX staked on XX/XX/XXXX; appears in account XX/XX/XXXX : XX/XX/XXXX no longer visible ; I contact XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX acknowledges ticket XX/XX/XXXX & XX/XX/XXXX : I follow up twice with no response As of today : No resolution, no communication, funds still missing What I am Requesting : I am requesting that XXXX require XX/XX/XXXXto : XXXX. Investigate and locate my missing XXXX XX/XX/XXXX XXXX. Restore the correct balance to my account XXXX. Provide a timely and complete explanation XXXX. Improve communication on this case Supporting Information : XX/XX/XXXXticket number : XXXX and number : XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the Credit Reporting Agencies for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my Drivers License, The FTC Complaint, and a copy of the XX/XX/XXXX report showing my information being exposed in a national data breach and a Validation of Debt letter.

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 2025-11-26 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-11-26 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: AL

Complaint narrative:
I am filing this complaint against Experian for continuing to report inaccurate and unverifiable information regarding a XXXX XXXX XXXX XXXX account that I have disputed multiple times. Despite my disputes, Experian failed to provide any method of verification and continues to report the account in a way that violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. 

As shown in my credit report : Experian is reporting the XXXX XXXX XXXX XXXX account as : Closed Collection/Charge-Off With a {$5000.00} past due balance The remarks state : Merchandise was taken back by credit grantor ; there may be a balance due, which confirms this was a voluntary repossession. 
The account history shows charge-offs for multiple months, even after the vehicle was surrendered. 
No XXXX was issued by XX/XX/XXXX XXXX, despite them stating in a prior CFPB response that I would never be sued for the balance indicating the debt is no longer legally collectible. 

Experian has failed to : Remove the derogatory tradeline even though XX/XX/XXXX XXXX has not provided : An itemized bill of sale from the repossession or auction A deficiency notice or post-repo balance breakdown IRS XXXX Respond with a method of verification or any evidence that the account is accurately reported, despite my disputes filed under FCRA 611 and 609. 

Additionally, Experians reporting differs from XXXX, showing conflicting status codes and remarks which proves that at least XXXX bureau is accepting unverified or fabricated information. 

This situation has damaged my credit, affected my ability to obtain financing, and constitutes defamation of credit character. 
FCRA 611 ( a ) ( 7 ) : Failure to provide method of verification FCRA 1681i : Failure to correct or remove unverifiable and inaccurate information FCRA 623 ( a ) ( 3 ) : Failing to update tradeline accuracy after a consumer dispute XXXX XXXX Guidelines : Improper reporting of charge-off and repossession without full disclosure IRS XXXX Regulations : No notice of cancellation of debt, despite repossession and balance forgiveness FDCPA 809 : No validation of debt documentation provided.

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 2025-11-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am sending to formally dispute multiple inaccuracies, incomplete information, and unauthorized inquiries that currently appear on my Experian, Equifax, and TransUnion credit reports. I have spent substantial time reviewing my credit files in detail, and I have identified several entries that are incorrect, outdated, unverifiable, or inaccurately reported. These errors have caused unnecessary distress and have the potential to significantly impact my financial stability, credit opportunities, and overall quality of life. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute inaccurate information and to request a full and thorough reinvestigation of each items listed below. I expect all information to be verified using original, creditor-level documentation, as required by federal law. Any item that can not be verified, confirmed, or substantiated must be permanently deleted. 

XXXX XXXXXXXX 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation