vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Capital One in connection with an account they charged off XXXX ( the closed out my account and I dont have access to the full account number as I never received anything in the mail for it. 
The company charged off my debt in the amount of {$5100.00} in XX/XX/year>, but failed to issue IRS XXXX XXXX, which is required when a debt of {$600.00} or more is canceled. This form is necessary for me to comply with my federal tax obligations and accurately report potential canceled debt income. 

I have made multiple attempts to contact the company to request this form and to receive proper validation of the debt. However, I have not received a response or the necessary documentation. This lack of compliance has caused me confusion about my tax obligations and raised concerns about whether the debt was legally and properly handled. 

I am requesting the following resolution : Issuance of IRS Form XXXX for the canceled/charged-off debt. 
Full debt validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 
Assurance that no further negative reporting will be made to the credit bureaus regarding this account until this matter is resolved. 
I respectfully ask that the CFPB assist in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX : {$300.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$1400.00} Open Date XX/XX/XXXX XXXX  Balance : {$21000.00} Open Date XX/XX/XXXX XXXX Balance : {$98.00} Open Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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 am writing to file a formal complaint regarding an inaccurate and unverifiable medical collection account that recently appeared on my credit report. 

The account in question is being reported by XXXX XXXX XXXX, identified as a hospital bill. However, I have no knowledge of this debt, and upon reviewing my records, I am confident that this bill does not belong to me. 

Upon noticing this entry on my credit report, I immediately contacted XXXX XXXX and requested validation of the debt, specifically asking for the date of service, the original creditor, and itemized billing details. Despite my request, no supporting documentation was ever provided. Nevertheless, they reported the account as " verified '' with the credit bureaus. 

This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require debt collectors to provide consumers with proper verification of the debt before continuing collection efforts or reporting it to the credit bureaus. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that this collection account is either : Properly validated with all relevant documentation, or Removed from my credit report entirely due to lack of verification.

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 2025-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding an inaccurate and unverifiable medical collection account that recently appeared on my credit report. 

The account in question is being reported by XXXX XXXX XXXX, identified as a hospital bill. However, I have no knowledge of this debt, and upon reviewing my records, I am confident that this bill does not belong to me. 

Upon noticing this entry on my credit report, I immediately contacted XXXX XXXX and requested validation of the debt, specifically asking for the date of service, the original creditor, and itemized billing details. Despite my request, no supporting documentation was ever provided. Nevertheless, they reported the account as " verified '' with the credit bureaus. 

This action violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require debt collectors to provide consumers with proper verification of the debt before continuing collection efforts or reporting it to the credit bureaus. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that this collection account is either : Properly validated with all relevant documentation, or Removed from my credit report entirely due to lack of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My name is XXXX XXXX I have a gm card by XXXX XXXX XXXX XXXX on XX/XX/XXXX I called because I could see my virtual card a service they offer online I called in did every verification required text call several calls they said its under review after and my accounts been restricted since then for no reason I did all identity verifications made several phone calls and still restricted and not able to use my card or account I made several complaints and no response I been with gm since the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-06 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: NM

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC is attempting & reporting a debt to collect that does not belong to me the original creditor XXXX XXXX XXXX  account was previously removed/ blocked from being reported to all credit agencies over a year to 2 years ago. Actually I have a open credit account with XXXX XXXX Bank that is in good/ pays as agreed status but this previous account with XXXX XXXX XXXX XXXX found to be fraudulent or not being opened by me so LVNV FUNDING IS VIOLATING THE FAIR CREDIT REPORTING ACT BY REPORTING A FRAUDULENT ACCOUNT THAT I XXXX XXXX XXXX NOT RESPONSIBLE FOR I REQUEST LVNV FUNDING LLC STOP/BLOCK & REMOVE REPORTING THIS ACCOUNT TO ALL CREDIT AGENCIES IMMEDIATELY PURSUANT TO FCRA SEC. 608,611 & MD. LAWS AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
XXXXI'm a victim of the Equifax data breach and upon checking my credit report I discovered these unauthorized accounts! I also have proof of the breach and my identity. XXXX XXXX XXXX XXXX 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 2025-05-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of accounts with a {$0.00} balance that are negatively affecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. The reporting of negative marks on accounts with a {$0.00} balance is misleading and violates my consumer rights. The following accounts are being disputed : 1. XXXX XXXX XXXX and Account # XXXX Basis for Dispute : Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Additionally, FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to request documentation verifying the accuracy of the reported information. Because these accounts have a {$0.00} balance, they should no longer carry negative reporting, such as late payments. Continuing to report derogatory marks on accounts that are no longer active obligations is inaccurate and does not comply with FCRA accuracy standards. Requested Action : I request that your agency promptly investigate and take the following corrective actions : 1. Verify the accuracy of the negative reporting on the accounts listed above. 2. Remove the negative information if it can not be properly verified. 3. Update the accounts to reflect either accurate positive reporting or delete them entirely from my credit file.Supporting Documentation : To assist with your investigation, I have enclosed the following : A copy of my credit report, highlighting the disputed accounts. A copy of my government-issued ID for identity verification. Proof of address, such as a utility bill or bank statement. Response Deadline & Next Steps : As required by FCRA 611 ( a ) ( 1 ), please complete your investigation and provide a written response within 30 days of receipt of this letter. If the negative reporting is verified, I request that you provide documentation detailing the verification process, including all records relied upon. Failure to comply with these requirements may result in further action to enforce my consumer rights. Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. Sincerely, XXXX XXXX XXXX XXXX XXXX and Account # 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am a Capital One credit card customer with XXXX active accounts : a Capital One Quicksilver card ( APR XXXX  % ) and a Capital One Platinum card ( APR XXXX % ). I contacted Capital One seeking help because the high interest rates are making it extremely difficult to pay down my balances. I have been making payments and am actively trying to get out of debt, but these interest rates are causing my payments to go almost entirely toward interest rather than the principal. 

I politely requested a temporary APR reduction or enrollment in a hardship or fixed repayment program. The customer service representative told me that because the APR is variable, there was nothing they could do. When I asked to speak to a XXXX, I was told the same thing that no further escalation was possible and no alternative assistance was available. 

I find it unreasonable and predatory that interest rates over XXXX XXXX XXXX XXXX XXXX  are being charged during a time when Im seeking responsible ways to repay my debt. I am not trying to default or walk away from my responsibility I am simply asking for a fair chance to get out of debt. 

I appreciate the CFPB reviewing this matter and helping ensure that financial institutions treat struggling but responsible consumers fairly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the transfer of my student loan account to MOHELA. This loan was previously serviced by XXXX and, as per my records and the Total and Permanent XXXX ( TPD ) Discharge process, should have been fully discharged.

I was granted a discharge due to Total and Permanent XXXX and received confirmation that all eligible loans under XXXX servicing had been XXXX accordingly. I am deeply concerned that despite this, the loan has now been transferred to MOHELA and is being reported as active. 

Please consider this letter a formal request to review and correct this matter. I am requesting that MOHELA : Cease all collection or reporting activity on this account while the dispute is under review.

Verify the discharge status of the loan with the U.S. Department of Education and/or the TPD Discharge Servicer ( currently Nelnet ).

Provide written confirmation of the loans discharge or a detailed explanation of why the account was transferred if it was believed to still be valid. 

Update all relevant records to reflect the proper status of the loan. 

Enclosed you will find copies of any documentation I have regarding my XXXX  discharge, including the approval letter and any communication from XXXX or XXXX. If further information or forms are needed from my end to assist in resolving this matter, please let me know promptly. 

I appreciate your attention to this matter and expect a resolution in accordance with federal regulations governing TPD discharges. 

Sincerely, XXXX XXXX Account Loan Number # XXXX Enclosures : Any supporting documentation Let me know if you'd like to personalize this further or add specific dates or documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-06 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: TN

Complaint narrative:
I am writing this letter on my own behalf to formally request that your agency provide a detailed explanation of the steps taken to ensure the accuracy and completeness of the information under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to receive a description of the reinvestigation procedure used by your agency, including the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed items. 

Please respond to this request within the 15-day period as required by law.

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 2025-05-06 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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