vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
* * To the Consumer Financial Protection Bureau, * * I am filing a complaint against Capital One for improperly denying my credit-card dispute regarding a defective and unsafe service charge from * * XXXX * * ( Transaction date : XX/XX/year>, Amount : {$98.00} ). 

On * * XX/XX/year> * *, the bank requested specific supporting information. I promptly provided all of the materials requestedincluding receipts, correspondence with the merchant, screenshots, and a full written explanationwithin their stated deadline. 

However, in their final letter dated * * XX/XX/year> * *, the bank stated that my response * * lacks all of the previously requested information needed to validate your dispute * *. 

This statement is * * factually incorrect * * and * * misrepresents the record * *, as I submitted every item of information they had requested. The only difference was * * format * * I did not use their template, but my submission contained all required data in full. 

The banks denial appears to be procedural rather than substantive, effectively ignoring the documentation I supplied. I request that the CFPB review this case to ensure that : 1. The bank properly reviewed the materials I submitted ; 2. The dispute investigation was conducted in compliance with Regulation Z ( 12 CFR 1026.13 ) ; and 3. The bank provides a fair reconsideration of my dispute based on the evidence already on file.

Supporting documents include both the banks letters ( XX/XX/XXXX and XX/XX/year> ) and my full submission package. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: WA

Complaint narrative:
I am filing a complaint because TransUnion refuses to remove two student loan accounts reported by XXXX XXXX These accounts are inaccurate, unverifiable, and represent a predatory XXXX XXXX XXXX XXXX XXXX that was forgiven/discharged years ago. 

My current legal name is XXXX XXXX. 
My former legal name ( during the original loan ) was XXXX XXXX ( P-A-Y-N-E ). 

TG Trellis is not the original lender. They can not produce the promissory note, chain of title, discharge records, or any proof that this account is legally valid. This debt was previously removed from my credit report as part of a discharge process. 

TransUnion verified the account using only an electronic data response from XXXX XXXX and did not investigate the accuracy or legality of the reporting. 

This violates FCRA 602 ( A ), 607 ( B ), and 611, because the information is : inaccurate unverifiable time-barred previously discharged being illegally re-reported I am requesting CFPB intervention to force TransUnion to conduct a full investigation, require XXXX XXXX to provide documentation, and delete these accounts if they can not validate ownership and legal standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: NV

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
In XX/XX/year> I called Indigo bank customer service number and asked for a payoff letter to confirm the date and amount that I paid to close the account and confirm the date the account was closed. 

I provided my mailing address and it has been well over 30 days and I have not received any information regarding the payment and closing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I entered into a written pay-for-delete agreement with XXXX XXXX XXXX ( XXXX XXXX for a collection account, stating that upon full payment, the account would be permanently deleted from all credit reports. I paid the full balance of {$590.00} via XXXX on XX/XX/year>. Despite this, the account remains on XXXX XXXX and TransUnion reports as of XX/XX/year>. 
XXXX responded to my prior CFPB complaint on [ insert response date if known ], confirming the payment and stating they would request deletion from the CRAs within approximately 30 days of posting. However, this delay is unjustified and continues to cause imminent harm, including impacts on pending credit applications and financial opportunities. 
This ongoing reporting violates multiple laws, warranting immediate enforcement for deletion within 24 hours : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must follow reasonable procedures for maximum accuracy ; maintaining a paid account post-agreement is inaccurate and misleading.

FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Requires CRAs to conduct a reasonable reinvestigation and delete inaccurate information within 30 days, but willful non-compliance and ongoing harm justify expedited deletion.

FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Mandates deletion if information can not be verified ; PRA 's confirmation verifies the agreement, yet no action taken.

FCRA 623 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ) : Prohibits furnishers from reporting inaccurate or incomplete data ; failure to update post-payment breaches this.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers must correct/delete after dispute notice ; delay constitutes violation.

FDCPA 807 ( 2 ) ( A ) & ( 10 ) ( 15 U.S.C. 1692e ( 2 ) ( A ) & ( 10 ) ) : False representation of debt status and deceptive practices in not honoring agreement promptly.

CFPA 1031 & 1036 ( 12 U.S.C. 5531, 5536 ) : Unfair, deceptive, or abusive acts causing foreseeable harm ; requires immediate remedy.

Due to potential willful violations ( FCRA 1681n ), which allow for statutory damages, punitive awards, and fees, I demand PRA immediately direct deletion within 24 hours, with CRAs confirming removal and CFPB enforcing compliance to prevent further damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
In response to the collection attempt, I requested full validation of the alleged XXXX loan, including the original signed agreement, the complete payment history, and the chain of title showing every transfer of ownership of the debt as required under the FDCPA. The company only provided a copy of the contract and a partial payment history, but they failed to provide the chain of title or any documentation proving that Jefferson Capital legally owns or has the right to collect this debt. Despite not providing complete validation, they accessed and used my personal credit information without a permissible purpose and proceeded to file a lawsuit against me. I am requesting an investigation because the company did not fully validate the debt and obtained my information without proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
According to 15usc 16802 company supposed to let you know that they are putting anything on your credit, and give you a chance to opt in or out. They failed to follow law codes by putting information that is inaccurate on my credit report, and did not mail me anything letting me know they are putting this info on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX legal debt collection firm located in XXXX XXXX, MI, regarding an alleged debt owned by LVNV Funding. They sent the letter to a former address where I haven\'t resided in more than 3 years. This a sneaky tactic that debt collectors use in hopes that consumers will not respond in a timely manner. This former address happens to be my parents\' address and they informed me that I had a letter from a law firm. XXXX-XXXX  responded to XXXX XXXX XXXX XXXX XXXXia USPS certified mailXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXequesting VERFICATION of debt--not "validation" there is a [legal] difference in those two words. I requested a SIGNED and NOTARIZED purchase agreement/bill of sale/forward-flow agreement between their firm and the original creditor. Provided thirty-five (35) calendar days [allowing for the Federal Labor Day holiday observance on XXXX XXXX XXXX for their response. 35 days from XXXX XXXX XXXX  (when they received my letter) would have been XXXX XXXX XXXX XXXX received a letter dated XXXX which contained nothing that I requested as per usual with debt collectors who believe consumers are stupid and don\'t know FDCPA and FCRA law. XXXX responded to letter dated XXXX via USPS certified mailXXXX XXXX XXXX XXXX XXXX XXXX XXXX, making them aware that their response was untimely and contained nothing that was requested. Letter demanded an immediate cease & desist and to not contact me again regarding this alleged debt that they could not VERIFY\n\n- received a letter dated 1XXXX which contained the EXACT same information as the letter received on XXXX ( which was XXXX XXXX drafted letter to be sent USPS certified mailXXXX XXXX XXXX XXXX XXXX XXXX XXXX  (I keep a few USPS certified postal slips on hand) requesting immediate payment for XXXX  made out to: Shelomi D. Smith for violation of 15 USC 1692k after they had been issued a cease and desist letter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SSN : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : Re : Formal Dispute of Collection Account Resulting from a Data Breach Under 15 U.S.C. 1681i, 1681s-2 ( FCRA ) and 15 U.S.C. 1692e, 1692f, 1692g ( FDCPA ) To Whom It May Concern : I am formally disputing the collection account that appears on my credit file. This account is the result of a data breach, and therefore the reporting is inaccurate, unverified, and invalid. 
Account Name : Collection from Data Breach Account Number : ( Collection Management, XXXX XXXX and etc ) Original Contract, Original, Signature, Copy Security Social, and Authorization 1. This debt resulted from a data breach and is fraudulent or unauthorized.

Under the FCRA, you may not report any information unless it is accurate and verifiable.

Since this account was caused by a breach, it is not legally attributable to me, and the furnisher can not provide proper validation.

2. FCRA 15 U.S.C. 1681i requires a reasonable reinvestigation Because I dispute this item, you must reinvestigate within 30 days.

If the furnisher can not prove : The account belongs to me I legally authorized the charges My personal info was not compromised It must be deleted.

3. FCRA 15 U.S.C. 1681s-2 requires accurate and verified reporting The furnisher is prohibited from reporting : Fraudulent information Unverified information Incomplete or incorrect data If the debt came from a data breach, the furnisher can not verify lawful ownership.

4. FDCPA 15 U.S.C. 1692g Lack of proper debt validation If this debt is held by a collection agency, they must provide proper validation.

Anything resulting from a data breach can not be validated and violates federal law.

5. FDCPA 15 U.S.C. 1692e & 1692f False and unfair reporting Reporting debt caused by a breach is : Deceptive Misleading Unfair My Request I am requesting the following action : Delete the collection account immediately because it is fraudulent or unauthorized due to a data breach and can not be legally validated.

Provide me with an updated copy of my credit report after the investigation is completed.

I am keeping copies of all correspondence for my records.

Thank you for your prompt attention to this matter. 
I expect full compliance within 30 days as mandated by law. 

Sincerely, 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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Ive been banking with SoFi for awhile now and on XX/XX/year> I accessed my account to move some money over from my Savings account to Checking prior to purchasing the rest of my XXXX items, only to see that both accounts were restricted due to unusual activity. I then contacted SoFis security team as to why restrict my accounts and the only explanation they would give me, is unusual activity and that they were in the process of closing my account and will mail a check out when the process is done. I was highly upset because I dont see a reason to just up and restrict someones account, then have me called in only for SoFi to tell me theyre in the process of closing my account. Ive received no valid reason but just what everyone says on most complaint websites, unusual activity. This is highly unprofessional on their part. To rely on those funds in my account to pay for my bills and take care of my family only to have this happen is beyond me. Ive reached back out to SoFi today, the XXXX of XXXX about my remaining funds and all I get is my account profile is in the process of closing but they have to get to other profiles as well. Once it closes, theyll then mail the remaining funds to my mailing address on file. This is ridiculous and very frustrating. This is no way to treat your customers and I understand if Im in the wrong or have used my account for other reasons that would violate banking protocols but clearly, I havent done anything but spent my hard earned money on what needs to be taken care of like caring for my family and paying my bills with it. I hope this complaint reaches them and I will get the answers I deserve. I would also like for SoFi to send me my funds in both my savings and my checking account asap because I have a family to take care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: NY

Complaint narrative:
Information being reported on my credit report is 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 explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION
State: CA

Complaint narrative:
This is a follow-up complaint regarding my co-signer release request for a XXXX student loan for XXXX XXXX XXXX XXXX number ending in XXXX, amount approximately {$31000.00}, applied XX/XX/year> ). Sallie Maes previous response was bogus and unsatisfactory, stating that only the borrower can apply for release, without addressing my concerns about fraud, misrepresentation, and my status as a senior co-signer. 

I requested to be released as a co-signer starting XX/XX/year>. Sallie Mae provided the co-signer release process, but the borrower has refused to follow it, claiming she alone is responsible. Additionally, her XXXX, who initially promised to assist with repayment, has now denied any responsibility. As a result, I am left fully liable for the loan despite being fraudulently induced to co-sign. 

I am over XXXX XXXX XXXX, and this is a clear case of fraud : the borrower and her XXXX  conspired to induce me to co-sign by promising I would be released, while planning to deny that release once I signed. The borrower was apparently studying law, which may have aided this conspiracy. Their actions constitute fraud, misrepresentation, and senior harassment, causing significant stress and financial risk. 

Despite following Sallie Maes instructions and repeatedly attempting to submit the release form, Sallie Mae has refused to intervene, stating that only the borrower can apply. This is unreasonable and unjust, given the deliberate fraud by the borrower and her XXXX. 

What I want : Immediate review of my request for co-signer release without relying solely on the borrowers cooperation.

Removal of my obligation as a co-signer for this loan.

Guidance from Sallie Mae on how a co-signer over 60 can be released when the borrower refuses to cooperate, particularly in cases of fraud and conspiracy. 

Acknowledgment that I was fraudulently induced to co-sign and protection from further harassment or unfair treatment. 

Summary : This is a case of fraud, misrepresentation, and senior harassment, involving a deliberate conspiracy by the borrower and her XXXX  to make me fully liable for a loan I was promised I would be released from. I request that CFPB intervene to ensure Sallie Mae resolves this issue promptly and protects my rights as a co-signer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation