vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I contacted this company asking them to validate this debt that they claim that I owe. 

I requested validation, made pursuant to the Fair Debt Collection Practices and Acts and the Fair Credit Reporting Act, along with corresponding local state laws. I asked for a purchase agreement and any other copies of any alleged contracts or instruments bearing my signature. Please note that I am requesting VALIDATION that is expert evidence bearing my SIGNATURE, showing I have some contractual obligation to pay you. 

I also asked the company to provide the description of the procedure used to determine the accuracy and completeness of the information about the debt they claim I owe. 

Additionally, I asked this company to please provide the name, address, telephone number of EACH PERSON who personally verified this alleged account, so that I can inquire how they VERIFIED without providing any proof bearing my signature. 

I know that this is impossible because I never had an account with the company they claim that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America was to change my credit card from 1 percent back to the 1.5 percent back. They messed up and split my card from XXXX to XXXX between 2 cards. I told them this is not what I want and that I only want to have my card changed to the 1.5 percent. This was about XX/XX/XXXX. I told them that I didnt it this way and having 2 cards. I requested it be put to one card. They canceled my card that was dated XX/XX/XXXX. The issue is my credit line now shows I just started credit and should show going back to XX/XX/XXXX and has caused my score to be lower. This was a mess up by Bank of America and I would have never tried to get the 1.5 percent card if I knew date and account was going to be change and mess with my credit score. What Im wanting done is that my credit shows back to XX/XX/XXXX. I talked to XXXX and they told me to get with the bank to have the bank fixed it .. Ive called the bank and talk to them and they say XXXX should be able to fix this. Ive hit a brick wall and they are saying each other should take care of it. Ive spent countless hours trying to get the rectified. So now Im reporting it to you in order that you can get them to put my Bank of America credit date to XX/XX/XXXX as length of credit history like it supposed to be.

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint to formally report a fraudulent transaction that occurred through XXXX. I sent two payments one for {$270.00} and another for {$100.00} to an individual I knew personally at the time, through XXXX, which is connected to my Capital One account. 

The payments were made under the clear agreement that I would receive a specific product or service in return. Despite numerous attempts to contact the recipient, I never received what was promised. It has since become clear that this individual had no intention of fulfilling the agreement and has stopped responding to all communication. I have strong reason to believe this was a scam. 

I immediately contacted my bank and requested assistance in recovering the funds. However, I was informed that XXXX transactions are treated like cash and are not protected, even in cases of fraud. This leaves consumers like me without any recourse, despite clear evidence of deception. 

I understand XXXX markets itself as a safe and secure method of payment. However, this situation has shown a significant gap in consumer protection. The lack of fraud protection for XXXX users puts people at risk especially when bad actors use it as a tool to exploit trust and steal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I disputed a tradeline reported by XXXX  XXXX XXXX regarding an XXXX XXXXXXXX XXXX XXXX account, which was sold to XXXX XXXX XXXX. XXXX XXXX continues to report a charge-off with a {$0.00} balance and high balance of {$5000.00}, despite no longer owning the account and lacking a permissible purpose under the FCRA. I requested the method of verification, the furnishers name and contact information under 15 U.S.C. 1681i ( a ) ( 7 ), and proof of permissible purpose, but XXXX XXXX did not provide this information. I am requesting the removal of this tradeline from my credit reports due to inaccurate and unverifiable reporting in violation of the Fair Credit Reporting Act. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is inaccurately reporting a tradeline for my XXXX XXXX XXXX  account that was charged off and sold to XXXX XXXX XXXX. The account should reflect a XXXX balance, but it continues to report a high balance and derogatory status on my credit reports, damaging my credit profile. 

I have requested validation of the tradeline and the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), and the bank has failed to comply. I have initiated arbitration against them under XXXX XXXX # XXXX, and the matter remains unresolved while they continue to report inaccurately. This has caused financial harm, denial of credit, higher interest rates, and damages to my business opportunities. 

I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: NH

Complaint narrative:
I have a XXXX XXXX which I notified Upstart of over a year ago requesting reduction in payments, a reduced pay off amount as original loan was {$4500.00} I have paid XXXX as of todays date the refuse to work with me at all they tell me I can split payments but must have the payment amount for that month, also charge me to prevent sending to collections which I have been paying for 6 months. There is no working with this company UPSTART dispite my pleas for help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: MI

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

1681c-2 ) that you, the Equifax Information 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX MI XXXX ACCOUNTS : XXXXXXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a XXXX XXXX XXXXXXXX veteran receiving protected federal benefits ( VA XXXX and Social Security ). Bank of America previously offset these protected funds from my personal savings account. After I filed a CFPB complaint, BoA acknowledged the funds were protected and refunded the money. 

However, shortly after the refund, BoA again offset additional funds from the exact same account, despite already admitting these were protected benefits. I am now forced to file a second complaint for the exact same issue. 

I believe this is either a pattern of noncompliance or possible retaliation. Either way, it is deeply troubling that Bank of America appears to be repeatedly violating federal protections even after regulators are involved. I am requesting an immediate refund and a formal investigation into whether this practice is occurring more broadly. 

I should not have to go through this every month just to keep my legally protected benefits.

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 2025-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
Issue : Reporting of 90- and 120-day late payments months after last activity. 

Complaint : EdFinancial reported serious delinquencies ( 90 and 120 days late ) in XXXX  despite no payment activity since XX/XX/XXXX. No documentation has been provided to support this timeline, and no forbearance, deferment, or default notices were issued. This appears to be inaccurate or stale data reporting. 

Violations : FCRA 15 U.S.C. 1681e ( b ), 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
on or around XX/XX/year>XXXX  someone opened up a line of credit and withdrew {$2700.00} in my name, when i found out about it i contacted the company and asked them to please cancel the credit account and that it was 100 % fraud but apparently they left the account opened and has incurred another XXXX since i can not access the account i have no idea how or why ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-07-04 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: NY

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 FL XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$53000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00}

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 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I ordered over {$900.00} dollars workshop of items from XXXX back in XXXX for my nephew that was supposed to be mailed to my sisters apartment for his Senior activities this year. 

My sister stayed home to receive the items but unfortunately the tracking stated a date that was inaccurate. The items arrived the next day when my sister returned to work. There was no signature required and items where left wellwe do not know. There was a picture taken upon delivery but based on the picture quality we have no idea if this is the correct building or where items are located IF this is her building. 

We waiting a couple of days hoping items show up and nothing. I reached out to the company and they gave me the run around. Stating it would take 8 days to investigate and they would have XXXX to contact me in which they did but I could not understand what the rep was saying in my voicemail and the number they called from was a dead number. 

Bottom line, I contacted Bank of America and filed a dispute. They opened the claim and 90 days later closed the claim citing with the company. They have emails that were doctored from the company as well as they never reached out to me for any supporting documentation. And closed the claim. Ive been trying to get this reopened but I am told I need to go into a branch and bring supporting documents. I have to now file a police report and get them moving in the right direction. 

This has been a nightmare and headache to deal with. Bank of America Ive now been burned by lack of proper investigation and siding with the company. Thats not right, when I have more than enough evidence of emails of an attempt to resolve with but ignored by the company.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -51002.142 ( b ( 7 ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion, Please delete the following accounts. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I sent a certified debt validation letter to [ Collector Name ] on [ Date ] under FDCPA 1692g ( b ). They responded with only partial information a copy of the original agreement but did not provide an itemized account breakdown or legal proof they have authority to collect this debt.

They are still reporting this debt to the credit bureaus. Under FCRA 1681s-2 ( b ), this constitutes furnishing unverifiable information.

I am requesting that this debt either be properly validated with full documentation or removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent funds to myself from XXXX to my Capital One. I called for an unrelated matter and my account was flagged as suspicious. 
Capital One force closed my account and then has kept my money hostage for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CO

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 non-monetary relief
Consumer complaint received 2025-07-04 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: NY

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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$15000.00}

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