vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I logged into my XXXX app on my XXXX and surprisingly was billed for {$120.00} for a yearly subscription when I already pay for a monthly subscription through XXXX. I have sent XXXX different emails to XXXX, opened a problem issue with PayPal. This company has refused to respond for over a week.Their customer support number XXXX, reports that they will respond within 24 hours and they do not. So I am writing to hopefully get these people to wake up and stop duplicating charges, and respond appropriately to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act.

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2.

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Account : Franklin Collection Services - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX charged our credit card WITHOUT OUR CONSENT the amount of {$740.00}. Since that date we have filed a dispute with Citi card which they 'resolved ' by letting the charge stand with NO EXPLANATION. Dispute number : XXXX. I have asked Citi why they didn't ask for a tracking number, a proof of delivery or our signature. There is no proof that XXXX XXXX XXXX send us any product, that we authorized the purchase, or that we even knew they were going to charge us. XXXX XXXX  has not provided a receipt either. Additionally every time I try to contact XXXX XXXXXXXX XXXX there is NO PHONE NUMBER on their scammy website or when I call the number that is on my Citi statement it goes to some XXXX  person for XXXX XXXX XXXX  that you can barely hear let alone understand and they try to tell me that either they didn't charge our card or that we will be billed another {$99.00} on top of what was already charged. The story changes each time I call and yet I can't get anything resolved. I have contacted the Attorney General, the XXXX, the SOS for Wyoming, the DEA and more trying to resolve this. XXXX XXXXXXXX XXXX has thousands of consumers credit card information and is charging people without shipping anything to them. I have asked Citi to reopen the dispute and actually INVESTIGATE, even sending them all my communication which is email after email with a BOT at XXXX XXXX yet Citi has not given us back a credit. Citi can't prove we authorized this charge. To top it all off we use the this card and charge well over XXXX per year. Citi is treating us like XXXX. I'm tired of it. I want this charge reversed and Citi to actually follow up with XXXXXXXX XXXX. Its absolutely inexcusable the way they have handled this with NO investigation what so ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Request for Investigation Capital One Reporting Inaccurate and Unverifiable Charge-Off ( FCRA Violations ) I am filing this complaint because Capital One is reporting an inaccurate and unverifiable charge-off on my credit report. The account information they are furnishing violates several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the CFPB compel Capital One to conduct a lawful investigation and correct or delete the inaccurate data. 

Account Information at Issue : Creditor : Capital One Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Revolving Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pay Status : Charge-Off Balance Reported : {$480.00} Last Payment Reported : XX/XX/XXXX FCRA Violations Identified 1. FCRA 605 ( a ) Capital One is reporting information in a manner that is inaccurate, misleading, and inconsistent, which causes the account to appear more derogatory than it should. 
A charge-off account can not simultaneously show a balance, recent payment activity, or inconsistent status coding. 
The data is not being reported in a way that meets the accuracy and completeness requirements of 605 ( a ). 
2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should reasonably know is inaccurate. 
The account shows contradictory reporting elements ( recent payment during charge-off status, active balance while closed, inconsistent dates ). 
These discrepancies prove the account is not being verified with accuracy before being furnished. 
3. FCRA 623 ( a ) ( 2 ) Capital One has failed to update and correct information they previously supplied that is now inaccurate. 
4. FCRA 611 ( a ) ( 1 ) & 611 ( a ) ( 5 ) During my disputes to the credit bureaus, Capital One has not conducted a reasonable investigation, nor have they provided verifiable evidence supporting the charge-off reporting. 

A charge-off account can not legally show new payments ( Capital One is reporting last payment XX/XX/XXXX after charge-off closure date XX/XX/XXXX ). 
A charged-off account listed as Closed should not show an active balance unless correctly coded as transferred/sold. 
The furnisher is inconsistently reporting dates, making the entire tradeline unreliable and unverifiable. 
The data furnished does not meet the consumer protection and accuracy standards required under FCRA. 

Because the reporting is contradictory and unverifiable, the account does not meet the FCRAs minimum standards of accuracy and integrity, and therefore must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi bank froze my checking account because they said there was suspicious activity, I sold a car to someone and he sent me a wire transfer to my account for {$7000.00} and then he sent a second transfer for {$2500.00} and both wires were in my account and were available, then all of a sudden sofi bank freezes my account for suspicious activity and I couldint access my funds all thru XXXX, then they sent me a email saying they are closing my account and I don't get my available balance which is {$5000.00}. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Credit and Collections Inc.
State: CA

Complaint narrative:
UNITED CR CO is falsely reporting on my credit. I have never had any accounts with them. Per my research UNITED CR CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a death disbursement claim check from XXXX. I took the check to the bank. After refusing the opening of a new investment savings account. I advised I wanted to place the check in my savings. I have a relationship with Bank of America acknowledged as 20 years. I was told XXXX would be released on XX/XX/XXXX, XXXX. Which was consolation for my expressed desire to take the check to another bank. But, even though there was a manager and two other bank representatives witnessing the conveyance. The bank has now changed hold times three times. XXXX states to go in person to the bank branch and call them. They will then provide the bank all necessary information to insure check authenticity. I am here at the bank. I am being told there is no place I can go to be serviced and no one I can speak with to assist in this regard. The check amount is substantial. I feel hoodwinked and helpless... please help me

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 2025-12-04 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: CA

Complaint narrative:
Could you examine this more closely? The entry was made late and may be 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 non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report was accessed by multiple companies without my knowledge, consent, or any permissible purpose, and all three credit bureaus ( Experian, TransUnion, and Equifax ) released my private information in violation of FCRA 604 ( a ).

I did not authorize any of these inquiries, I did not submit any applications with these companies, and no credit account was ever opened as a result of these pulls. The bureaus can not produce my written authorization or a signed application to justify any of these inquiries.

Unauthorized Inquiries Reporting on My File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX duplicate ) XX/XX/XXXX These inquiries were never legally permissible, because a credit bureau may only furnish my report with my written authorization or a credit transaction initiated by me. None of these companies have my consent. Reporting these inquiries violates : - FCRA 604 ( a ) ( impermissible access ) - FCRA 607 ( b ) ( maximum accuracy requirement ) I formally disputed these inquiries and the bureaus failed to provide documentation or a signed application. Continuing to report unverifiable inquiries violates : - FCRA 611 ( a ) ( 1 ) ( failure to reasonably reinvestigate ) - FCRA 611 ( a ) ( 5 ) ( A ) ( must delete unverifiable data ) - FCRA 616617 ( civil liability for negligent/willful noncompliance ) I am requesting immediate deletion of ALL unauthorized inquiries across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurate on my credit report. The details are provided below, separated for each bureau. Kindly investigate and correct the discrepancies as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Can you audit this entry? It was submitted late and may be incorrect.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XXXX XXXX XXXX, I was contacted by someone pretending to be from XXXXXXXX XXXX. They told me my accounts were compromised and that I needed to move my money immediately to protect it. They instructed me to send money through XXXX and XXXX XXXX. I believed I was preventing fraud. These transfers came from my Bank of America account because anywhere I could access XXXX was affected by the scam. The total loss was approximately {$5000.00} ( {$99.00} XXXX XXXX + {$3900.00} XXXX XXXX + {$1000.00} XXXX ). 

Once I realized it was a scam, I contacted Bank of America and XXXX XXXX immediately. I explained that I was manipulated into sending the money under false pretenses. BoA told me that because I technically sent the money, they could not help, even though the situation was induced by fraud. I filed disputes. The {$99.00} XXXX XXXX was temporarily refunded and still shows as researching, but the {$3900.00} XXXX XXXX and the {$1000.00} XXXX claim were both denied without clear explanation. 

These transactions were not legitimate authorizationsthey were induced through deception by someone impersonating a bank. I am requesting CFPB assistance to have Bank of America and XXXX XXXXXXXX properly review my case, classify the transfers as fraud under false pretenses, and reimburse the full amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint because Capital One is reporting my Capital One Spark business credit card ( ending in XXXX ) on my personal credit report with all three credit bureaus. This is a commercial/business account, used exclusively for business purposes, and it is not a consumer credit obligation. 

Under the Fair Credit Reporting Act ( FCRA ), consumer credit reports should only contain credit obligations primarily for personal, family, or household use. This account does not meet that definition and should not be included in my consumer file. 

I contacted Capital One and requested that the tradeline be removed or suppressed from my personal credit report, and they stated they will not remove the business account even though it is commercial in nature. Because of this inaccurate reporting, my utilization appears significantly higher, and another lender ( XXXX ) took adverse action by lowering my credit limit based on an XXXX  report that included the Capital One business account. 

I have no late payments and no delinquencies. This is not a consumer debt, and its inclusion on my personal report is misleading and has already caused financial harm. 

What has the company done so far? 

Capital One refuses to remove the business tradeline, telling me that they report all business cards to personal credit, even though this is not required by law and contradicts FCRAs definition of consumer credit reporting. 

I disputed the account with the credit bureaus, but Capital One continues to verify the account as valid for consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to LVNV Funding LLC. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that LVNV Funding LLC is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to LVNV Funding LLC.

Company response to consumer: Closed with non-monetary relief