vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I opened my 360 checking account on Capital One, the process on paper checks is supposed to finish within a day given I opened a credit with them months ago but they are making me wait long on paper deposits because they believe there is a risk. My previous bank ( XXXX XXXX ) don't need that to verify since zip have been with them for a near decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'I HAVE REPEATED PROVIDED UPDATED DRIVERS LICENSE THAT INCLUDE MY CURRENT NAME AND ADDRESS. THIS FURNISHER REFUSES TO REMOVE AND UPDATE MY PERSONAL INFORMATION. I HAVE A RIGHT TO FAIR AND ACCURATE REPORTING ON MY CONSUMER CREDIT REPORTS.ALL 3 BEAREAUS ARE REPORTING DIFFERENT INFORMATION. THE FURNISHER CONTINUES TO REPORT FACTUAL ERRORS, INCORRECT, AND INACCURATE PERSONAL INFORMATION. I HAVE SENT PROOF OF IDENTIFICATION AND NOTHING EVER CHANGES. AS PER FCRA 15 USC 1681i,a,b,c,n, THIS IS VIOLATING MY CONSUMER RIGHTS.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HF Holdings
State: NC

Complaint narrative:
Today, XXXX XXXX, XXXX I reached out to the agent that has been calling me non stop and emailing me. XXXX XXXX with HF holdings. He sent me a threatening email. So I decided to call as I was unaware if this was an actual dent collector. I spoke with him today on the telephone and he proceeded to verbally abuse me, raise his voice and talk with over me. He kept repeating are you gon na pay this debt, its not my fault you dont pay your bills! He also stated, this is not a threat, this is a promise that he will take action against me. I was trying to get more details about the debt etc. he kept verbally abusing me and would not even let me get a question in. He kept over talking me. I have copied his email below : Dear XXXX, I have not received any response from you since your request for a payment plan. Please understand that these funds are undisputedly owed, and my client is growing increasingly frustrated with the continued delay. This debt relates to work completed in XXXX, and no further extensions will be granted. 
This message serves as a final courtesy before we proceed with legal action against both you and XXXX. If this matter is not resolved immediately, we will move forward with litigation, and upon filing, we will pursue all legal remedies available, including but not limited to : levying bank accounts, garnishing wages, and freezing assets until the full debt is recovered. 
Please advise us without delay on how you intend to resolve this matter. 


XXXX XXXX Senior Recovery Agent Phone : XXXX Ext XXXX Direct : ( XXXX ) XXXX Email : XXXX HF Holdings, XXXX www.hfholdingsinc.com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: FL

Complaint narrative:
My Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I began to request my annual consumer report at the beginning of XX/XX/year>. I emailed documentation such as my personal ID as requested. I have sent numerous emails and made phone calls in an attempt to obtain the requested information which includes my annual report and results of my dispute. LexisNexis continues to sent me a letter with a link and a PIN that results in a message saying : We were not able to validate that PIN- please try again. 
I called early XXXX to report this situation and I was informed that a mail hard copy would be sent. I have not received my reports and dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
Hunter Warfield , Inc. is reporting a collection account on my credit reports for an alleged debt from XXXX XXXX. I vacated the property on XX/XX/year> with no outstanding balance, and I never received an itemized statement of deductions or a final account balance from XXXX XXXX within 30 days of vacating. 

Despite this lack of proper and legal notice, my personal information was given to Hunter Warfield. They reported the debt to credit bureaus without ever sending me validation under the FDCPA ( 15 U.S.C. 1692g ) or providing proof of debt. When I disputed with the credit bureaus, they said the debt meets FCRA standards without showing documentation, a valuation, or any supporting evidence. 

Others in XXXX complaints have reported similar problems with both XXXXXXXX XXXX and Hunter Warfield : being charged for cleaning or damages when they believe there were none ; being denied itemized breakdowns ; being told debts exist without ever receiving proper notice or validation. I believe my experience is consistent with this pattern. 

This situation violates several laws, including : Fair Debt Collection Practices Act failure to validate debt, failure to give notice. 
Fair Credit Reporting Act furnishing inaccurate, unverifiable information. 
Iowa landlord-tenant law requiring itemized statements within 30 days of move-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hereby dispute the referenced accounts as fraudulent. I never authorized their opening, and I request their immediate removal from my record along with a full investigation. Supporting proof is enclosed.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
-- - I am disputing a {$150.00} collection reported by AARGON AGENCY INC. I do not recognize this debt and have not received proper validation from the company. I attempted to resolve the issue through XXXX XXXX and the credit bureaus, but the account remains on my report. The collection is negatively impacting my credit score and my ability to secure financing for business development. I am requesting that this item be investigated and removed if it can not be verified with full documentation

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 2025-09-11 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:
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 2025-09-11 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: FL

Complaint narrative:
Account was previously removed and reinserted although it contains inaccurate, unverifiable, misleading information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: VA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding JEFFERSON CAPITAL SYSTEM in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the JEFFERSON CAPITAL SYSTEM containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Texas Without proof of ownership or a chain of title, JEFFERSON CAPITAL SYSTEM has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information. 

I am requesting the following : XXXX. Immediate deletion of any credit reporting related to this account. 

XXXX. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into JEFFERSON CAPITAL SYSTEM 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : JEFFERSON CAPITAL SYSTEM Original Creditor : [ Original Creditor Name ] Alleged Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate credit score is important to me. However, I continue to find inaccurate and false information reported, despite raising this issue multiple times. This recurring problem has not been corrected and has become both stressful and exhausting. It is unfairly damaging my credit score and negatively affecting my life.

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 2025-09-11 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:
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), inaccurate or unverifiable information must be removed from consumer reports. The Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ) prohibits the reporting of false or misleading information by debt collectors. The Truth in Lending Act ( TILA, 15 U.S.C. 1637 ) ensures accurate disclosure of credit terms, and the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) protects consumers from billing errors, including incorrect late payments.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Apparently, in XXXX, when the Target card was stolen, it was used to buy something at target under {$20.00}. At the time, I was not monitoring my email as well because my mother was very ill. I was taken care of her at age XXXX and then she had to go into hospice making everything very difficult and then she passed away when I did discover this problem I paid the balance off, even though I realize it was not a legitimate charge so I could stop the reporting to the credit bureau. The answer I did get from target was that they had XXXX  days to resolve this they gave me no satisfaction about reporting to credit bureaus. Target canceled my card. I filed the required documents with Target around XX/XX/XXXX about XXXX months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against national debt relief, a debt relief company with which I entered into an agreement on XX/XX/year>. The company promised to assist me in reducing or resolving my outstanding debts and to improve my overall financial situation. Instead, their actions have resulted in significant harm to my credit and financial standing. 



Background On date [ XX/XX/year> ], I signed up for the companys debt relief program after being assured that participation would not negatively impact my credit long-term and that my debts would be negotiated responsibly. 

I made biweekly payments in the amounts of {$420.00} and {$290.00} on time into the program, as instructed totaling : {$14000.00} During the program, the company advised me to stop making payments directly to my creditors, promising they would negotiate settlements. 



Issues Encountered The company failed to negotiate or resolve several of my debts in a timely manner. 

As a direct result, my accounts were reported as delinquent, causing a severe drop in my credit score. 

Late fees, penalties, and additional interest accrued during this period, leaving me in a worse financial position than when I enrolled. 

Despite repeated attempts to contact the company regarding these issues, I received either inadequate responses or no resolution. 



XXXX My credit score has dropped by approximately [ XXXX ] points. I was issued and given a legal judgement against me by XXXX of the creditors I now face increased difficulty obtaining credit, higher interest rates, and lasting damage to my financial reputation. 

The companys practices were misleading and not in line with the assurances provided at the time of enrollment. 



Requested Resolution I respectfully request : A full refund of the fees I paid into this program, totaling [ {$14000.00} ]. 

Assistance in rectifying the negative marks on my credit report that were directly caused by the companys actions. 

A formal investigation into the companys business practices to prevent others from experiencing similar harm. 



I am also submitting this complaint to the Consumer Financial Protection Bureau, my State Attorney Generals Office, and the Better Business Bureau. I request a written response within 30 days of receipt of this letter. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CT

Complaint narrative:
I am filing this complaint against the national credit reporting agencies for their continued reporting of inaccurate and unverifiable accounts on my credit report. Despite my efforts to dispute these inaccuracies directly with the credit bureaus, they have failed to conduct a reasonable investigation and continue to publish erroneous information, in violation of federal law. 

Details of the Complaint : The credit bureaus are reporting accounts that do not belong to me and/or contain inaccurate information. 

I have disputed these accounts as inaccurate under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

The bureaus have failed to meet this obligation and continue to report inaccurate information.

The continued publication of false and unverified information violates my rights under : FCRA, 15 U.S.C. 1681e ( b ) : Mandating credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information.

FCRA, 15 U.S.C. 1681i ( a ) : Requiring a prompt reinvestigation of disputed items.

FCRA, 15 U.S.C. 1681c : Restricting the reporting of outdated information.

In cases where these accounts are reported by debt collectors, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits the use of false, deceptive, or misleading representations.

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