vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: WA

Complaint narrative:
The debt collecting agency is I.C. System Inc. 
The amount of the debt is {$2300.00}. 
The date opened on this debt is reported as XX/XX/2025 however, this debt was previously reported by another agency and the previous report of this debt fell off my credit report suddenly. It has now reappeared with a new agency and a reset date and with no notification of this new debt, which I believe is a violation of the Fair Credit Reporting Act. I requested written validation of any documentation proving the debt is valid, the original day of debt or that they have the right to report it. I sent them a letter requesting this information a few days after it appeared on my account. They have failed to respond and provide me with any of this information.

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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Yes I was only already fully verified, threw the only verification that they asked for, which was two trial deposits, they then asked for further verification which I supplied and successfully verified, which was with my driver 's license. After completing every form of verification, I was busy working and they consistently kept contacting me after already verified and they said my account is being unlocked. They kept harassing and harassing violating my rights and then wanted to do a three-way call when they can already see the account is in my name. This is beyond unacceptable. I'm warning to press charges, but the main outcome I wish to be is I just want my account unrestricted and everything could be dropped. It's very rude and disrespectful of them to violate their own Terms & Conditions in the privacy act, and verification methods in their terms and conditions. Its a closed cut case.I have reviewed the offer and/or response made by the business in reference to complaint ID XXXX, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. The reason for this, is they gave an unprofessional response and apparently did not at all acknowledge my complaint. They took XXXX dollar out of my XXXX  account ending in # XXXX on XX/XX/XXXX, that I more than verified in their terms and conditions with ID and trial deposits, and as well notified me before any transfer was made, your external account is confirmed and ready and available for transfers. Then on XX/XX/XXXX, they took XXXX and on XX/XX/year>, as you can see the image my current and available balance in Capital One is XXXX and XXXX  is still linked. So I repeat, why are they trying to steal from me? No, I am not trying to link an account to add money to my balance, I already have a XXXX balance and an account linked. Tell me, are they this slow in the head? The response they gave was a 2nd grader elementary school response. They do not belong in the financial world, if they are that far behind academically. This is upsurd .. so then I went above and beyond and they told me to send them even more verification, for the credit card, in the document upload email, which was my I. D., front and back, with proof of address, my SS card, and bank statement, and I did all that and sent in 3 years of my taxes from tax returns prior, from h and r block and they still have not gotten back to me. So now this has become one thing..... one hundred percent harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a prepaid {$15.00} XXXX  card, and to my knowledge have not used it since it was gifted. When I went to verify the cards information and balance, using the listed customer service avenues, nothing worked. The phone number led to an automated system that repeatedly said there was an error and they kept asking me to try again ( which I did several times ). I tried accessing the online site, but the link ( www.prepaidgiftbalance.com ) is not functional and leads to an error message. The linked bank is US Bank National Association.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue Type : Problem with a purchase shown on my bank statement ( disputed charge ) Bank Name : Bank of America Account Type : Credit card / Debit card Details of the Issue : I disputed a charge with Bank of America and XXXX for a transaction I did not authorize or was unfair. I provided updated information for the dispute as requested. However, I received a notice saying that Bank of America has closed the case, stating the information I provided was not sufficient, but they did not explain what specifically was missing or why the evidence I provided was rejected. 

I believe I was wrongfully charged and did my part in submitting relevant documentation. I am now being recharged for the disputed amount, and the temporary credit they issued is being reversed. This is causing financial strain and feels unfair without further explanation or a chance to respond. 

I am requesting that the CFPB investigate this matter and that Bank of America provide a full explanation, reconsider the dispute, or provide proper documentation as to why it was denied. 

I would also like a copy of all documents used in the decision-making process, as referenced in their denial letter.

To Whom It May Concern, I am filing a complaint against Bank of America regarding a fraudulent charge that I disputed but was unfairly denied.

I was scammed someone sent me a picture as part of a transaction, and I never received any real goods or services. I disputed the charge through Bank of America, explained the situation, and even submitted updated information. Despite this, I just received a letter saying they are closing the case and removing the credit they previously applied to my account.

I feel extremely angry and disappointed that Im now the one being charged for something I was clearly scammed into. The person who did this is getting away with it, and Im left paying the price. Bank of America didnt tell me what exactly was wrong with the documentation I provided, and I dont think they gave my case a fair review. 

All I wanted was protection as a customer. Instead, I feel ignored and financially punished for being honest about what happened.

What Im Asking : I want Bank of America to reopen the case and take a proper look at the evidence I submitted.

I want the fraudulent charge reversed and the credit restored to my account.

I also want them to provide all documents they used to deny my claim, as Im entitled to see them.

This situation has been stressful, unfair, and deeply frustrating. Im asking for your help in making this right. 

Thank you, XXXX XXXX XXXX XXXX [ Bank of America XXXX XXXX XXXX number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am filing a formal complaint regarding LexisNexis Risk Solutions for the improper collection, use, and reporting of a bankruptcy record on my consumer file. 

The information was not obtained directly from the court. Bankruptcy courts do not furnish, confirm, or verify data to LexisNexis or any credit bureau. Instead, LexisNexis uses third-party vendors admittedly ( PACER ) that are prone to error. 

This practice violates : FCRA Section 607 ( b ) failure to follow reasonable procedures to assure maximum possible accuracy of information, FCRA Section 611 ( a ) failure to conduct a proper reinvestigation when the consumer disputes an item, and Consumer privacy protections by obtaining and publishing personal bankruptcy information without a permissible purpose and without the courts involvement.

I have already disputed this information with LexisNexis in writing. They have failed to provide : 1. The source from which they obtained this bankruptcy record, 2. The name/contact of any court official who verified this information, and 3. Proof that the information was verified directly with the court.

Because no direct verification is possible ( the courts themselves do not verify ), LexisNexis is disseminating unverified and damaging data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX balance {$940.00}, XXXX XXXX XXXX balance {$1500.00}, resurgent XXXX XXXX  {$2500.00}, XXXX XXXX XXXX XXXX  balance {$1200.00}

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 2025-07-31 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: TX

Complaint narrative:
Violations are : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The Consumer Financial Protection Bureaus recent enforcement actions demonstrate the consequences of sham investigations and non-compliance. Your continued inaction places Equifax XXXX at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the XXXX  and Equifax Breach, remain on my credit report despite repeated disputes and supporting documentation : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am disputing inaccurate or unverifiable information reported by XXXX XXXX XXXX on my credit report. Despite my requests, the company has not provided proper validation or documentation proving that I am responsible for this account. The continued reporting of this information is damaging my credit and violates the Fair Credit Reporting Act. 

I want the Consumer Financial Protection Bureau to investigate this matter, ensure that XXXX, XXXX complies with federal law, and have the unverifiable or inaccurate information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question XXXX XXXX XXXX XXXXXXXX XXXX Balance {$230000.00}

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 2025-07-31 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: CA

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MN

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

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 2025-07-31 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am reporting that my identity was fraudulently used by third-party debt collectors without my authorization. I did not open or authorize any accounts with companies such as XXXX XXXX, XXXX XXXX, XXXX XXXX, or any other debt buyer. These entities accessed and reported on my credit file without a permissible purpose under 15 USC 1681b. They are not original creditors, and I never gave them legal consent or signed any agreement allowing them to collect or report on my credit profile. I have filed an official FTC Identity Theft Report and request immediate investigation and permanent removal of all inaccurate and fraudulent entries associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am reporting that my identity was fraudulently used by third-party debt collectors without my authorization. I did not open or authorize any accounts with companies such as XXXX XXXX, XXXX XXXX, XXXX XXXX, or any other debt buyer. These entities accessed and reported on my credit file without a permissible purpose under 15 USC 1681b. They are not original creditors, and I never gave them legal consent or signed any agreement allowing them to collect or report on my credit profile. I have filed an official FTC Identity Theft Report and request immediate investigation and permanent removal of all inaccurate and fraudulent entries associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-31 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: MI

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-31 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: MI

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-31 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:
I am formally requesting the deletion of these unauthorized accounts from my credit file. I did not initiate them, nor was I made aware of their inclusion. As per USC 1681g, I expect their removal within 15 days. Enclosed are the documents to support my claim.

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