vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
This complaint concerns XXXX XXXX failure to properly investigate my billing dispute under the Fair Credit Billing Act ( FCBA ), as well as their repeated procedural errors when requesting and processing evidence. 

I disputed a {$1000.00} XXXX charge that appeared on my XX/XX/year> statement. I filed the dispute within the XXXX FCBA window, and the basis of my dispute is merchant misrepresentation, not buyers remorse. 

The item I purchased had a XXXX return window. During that period, XXXX repeatedly gave me contradictory information : At first, they confirmed the item was returnable and even generated a XXXX return pickup label ( which is only possible if the item is eligible for return ). 
Days later, still within the XXXX window, another representative told me the item was not returnable. 
I escalated to a manager, who clarified that the item was returnable and extended my return window to XX/XX/XXXX. 
When I attempted to return the item within this extended timeframe, XXXX reversed position again and said it was no longer returnable. 
I provided Capital One with evidence showing this misrepresentation, including the return policy, the chat transcripts, and the XXXX pickup confirmation. 
However, Capital One repeatedly closed my dispute without telling me what specific information they needed. Each time a denial letter vaguely stated that required information was missing, I had to call customer service to find out what Capital One actually wanted. I uploaded everything they requested, yet my case was closed again for the same vague reason. This cycle happened multiple times. 
I continued to call Capital One after every closure to ask what was missing, and each time I promptly uploaded the documents they requested. Eventually, after I submitted all the evidence they asked for, Capital One suddenly closed the case again, now stating that the timeframe has expired. This is despite the fact that : I filed the original dispute on time, I repeatedly submitted requested documents within the time they told me, and The delays were caused by Capital Ones vague and incomplete instructions, not by me. 
By repeatedly closing my case without specifying what information was needed, and then later refusing to review the required documents by claiming the timeframe had expired, Capital One failed to conduct a proper reinvestigation as required under the FCBA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company 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 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: LA

Complaint narrative:
Charged overdraft fees on multiple repayments Dates XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX all in the amount of {$35.00} each

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-26 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:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2025-11-26 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverified late payment information being furnished about me to the credit reporting agencies ( XXXX XXXX XXXX XXXX ). The information being reported is not accurate, not fully substantiated, and the furnisher has failed to validate or properly investigate the disputed late payments as required by federal law. 
Violations of Federal Law The furnisher and credit reporting agencies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 602 ( A ) Mandates maximum possible accuracy of information contained in consumer reports.

FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation of disputed information and mandates deletion of information that can not be verified.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Requires furnishers to report accurate information and prohibits the reporting of information they know or should know is inaccurate.

Despite my prior disputes, the late payment entries in question continue to be reported without proper validation. 
Request for Validation I am requesting that the furnisher and credit reporting agencies provide full validation of the alleged late payments, including : A complete payment history for the relevant period ; Proof that the payments were actually late, including the exact due date, posting date, and method of calculation ; Documentation showing the reported information was verified through a reasonable investigation as required by FCRA 611. 
If the furnisher can not provide legally sufficient validation, the FCRA requires the information to be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am submitting this complaint because LVNV Funding LLC and XXXX XXXX XXXX are reporting XXXX ( XXXX ) separate collection accounts on my TransUnion credit report and have filed a lawsuit regarding XXXX of them. I sent written disputes and validation requests for all XXXX accounts, but LVNV/Resurgent did not provide proper validation after receiving my certified letter. They have continued collection activity and continued reporting all XXXX accounts without responding to my dispute. 

XXXX of Events : XX/XX/year> : LVNV Funding prepared a lawsuit on XXXX of the accounts. 
XX/XX/year> : The lawsuit was filed in the Supreme Court XXXX XXXX XXXX, NY. 
XX/XX/year> : I received a packet of generic documents from the attorney for XXXX on XXXX account ( chain-of-title documents, bills of sale between multiple companies, and old statements ). This packet was sent BEFORE my certified dispute and did not respond to my validation request for any of the XXXX accounts. 
XX/XX/year> : I mailed written disputes and debt validation requests via XXXX XXXX Mail for all XXXX XXXX Funding accounts to Resurgent Capital ( servicer for LVNV ) and to TransUnion. 
XX/XX/year> : XXXX tracking shows my certified letter to Resurgent/LVNV was delivered in XXXX, SC. 
XX/XX/year> : I was served with the lawsuit for XXXX of the accounts, XXXX day after they received my dispute. 
As of today ( XX/XX/year> ) : LVNV and XXXX have not mailed me any validation in response to my certified dispute for any of the XXXX accounts. They have continued collection activity ( including a lawsuit ) and continue reporting all XXXX accounts to TransUnion without validating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  experienced a widespread phishing attack in which professors emails were hacked and messages were sent impersonating faculty, claiming that free school supplies were available from another professor. I was one of the XXXX targeted, and believing the email was legitimate, I responded, unaware that my institutions system had been compromised. It was not until five hours later that the school notified XXXX  that the messages were a scam. I immediately contacted Capital One, but I was told that they could not reverse the charge until it finished pending. Once it posted, I filed a claim on XX/XX/XXXX and asked how to submit proof that this was part of an institutional phishing attack ; I was told Capital One would reach out to me, but no one ever did, and my claim was quickly denied. I called again to ask why it was denied and how I could submit supporting documents, which I then emailed, but never received any acknowledgment. When I called again on XX/XX/XXXX due to the lack of response, I was told to mail physical documents to Capital Ones official address. I compiled and mailed everything, but when I called again on XX/XX/XXXX, I was told that the documents were missing and could not be located.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I am beyond frustrated seeing these inaccurate late payments still stuck on my credit report. I refreshed the page hoping it would finally update, but nothing happened. I urgently need those documents I sent to be inspected seriously so this does not keep tormenting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
My truck payment was taken out twice once on the XXXX of XXXX then again on the XXXX of XXXX. I called my bank XXXX to tell them I was charged twice I filed a dispute. The bank is continuing to dispute with them but they did reversed the charges. And XXXX gave me back my money while the dispute is ongoing. Now the truck Finance place Exeter is charging me a late fee, increased my payment and they added an additional {$20.00} fee. They have a chat bot to talk to an agent explain the situation to the agent that was no option for me to copy and paste my bank information and they kept trying to get me to call them I said I don't want to call I said I want a paper trail conversation was ended I tried again following day very directly telling them the situation. And demanded copy of my transcripts they ended the conversation again telling me to have a good day click. The only thing I could think of to do was take pictures with my cell phone because they would not give me copies of the transcripts. Showing I was trying to get this resolved. I'm mailing them a certified letter today. I have clearer pictures but I want to send you screenshots with date and time. But you can clearly see trying to resolve it not my fault they took it out of my account twice and then my bank is disputing with them and it's in limbo not my fault I am always on time with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a laptop on XX/XX/year> at BestBuy with my Best Buy Credit card. I canceled that order, but they kep billing me for it. I called twice and was placed on hold about 7 times and was eventually told that they would correct het issue and I was still beign charged. I used their from online to submit a dispute for the change, and a few weks later I got a response that they will remove the charge, but they still did not remove the charge. I'm hoping for some assistance with getting Best Buy Credit Card to remove the charge for an order that was canceled months ago.

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 2025-11-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation