vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
On XX/XX/year> I made a charge for {$730.00} on my Capital One card for a hotel reservation at the Clevelander in XXXX XXXX Florida for XXXX nights for XX/XX/XXXX to XX/XX/year>. 
My mom got sick and had emergency XXXX on XX/XX/XXXX with a hospital stay for 5 days. She was XXXX on XX/XX/XXXX and I am the only caretaker for her. 
I called Capital One on XX/XX/XXXX and asked for a cancellation and refund back to my Capital One credit card after explaining the situation. They said they will reach back out to me. They sent an email to me on XX/XX/XXXX that the merchant denied the request. 
I called them again XXXX weeks later and explained once again explained the situation. They asked me to documents about the XXXX and hospital stay, which I emailed back to them. Today, is XX/XX/XXXX and I have not heard back from Capital One. 
I dont understand why the merchant will not refund back my money because I did not use their property and gave enough notice of the cancellation. They said they merchant is making a profit from me and as for Capital One, they are not processing this request as services not rendered. I am looking for a credit back to my card of {$730.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of XXXX, and I may have to consider legal action.

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 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: AL

Complaint narrative:
A rental record under the name of XXXX appeared during a housing screening. I have no knowledge of this alleged account and the property name no longer exists, making verification impossible. 

Under the FCRA 15 U.S.C. 1681c ( a ) negative rental information can not be reported beyond 7 years and the Statute of limitations in Tennessee is 6 years. This alleged record appears to be obsolete, inaccurate, and unverifiable. Any amount associated with it is legally invalid and constitutes a false representation of debt status. 

This outdated information is interfering with my ability to secure housing for my family cause material harm. I am demanding that this record be investigated and deleted immediately, and that written confirmation be provided of its removal from any tenant screening systems and consumer reporting files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 am sending this complaint to formally dispute multiple inaccuracies currently reported on my Experian, Equifax, and TransUnion credit files, which materially affect my creditworthiness and misrepresent my financial history. The following accounts require immediate correction or reinvestigation due to inaccuracies or potential fraudulent reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending this complaint to formally dispute multiple inaccuracies currently reported on my Experian, Equifax, and TransUnion credit files, which materially affect my creditworthiness and misrepresent my financial history. The following accounts require immediate correction or reinvestigation due to inaccuracies or potential fraudulent reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have been having issues with chime since XXXX of this year. I have filed several XXXX  complaints. The first issue was back in XXXX I sent money to someone that turned out to be a scam. I contacted chime and chime did absolutely nothing to get my money back. I then filed a complaint repeatedly. Just recently they sent out something stating if you didn't agree with terms your account would be closed. Basically I didn't agree with the terms because the terms were basically so you can't sue if you have an issue. I have been unable to use the account and the issue started as soon as they sent the message. I am now looking for an attorney to sue. I have had ACHs that were suppose to be sent to the account and it was flagged for unknown error. This has caused me not to receive funds. I called chime on multiple occasions with NO RESOLVED solution. The issue start around XX/XX/XXXX. I have to this day been unable to receive any funds. This was reported and chime did absolutely NOTHING to resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MO

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-05 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: GA

Complaint narrative:
I am sending this follow-up complaint to Experian, Equifax, and TransUnion to formally report an incident of identity theft that has had a significant negative impact on my credit reports. Through my research on the procedures for correcting unauthorized accounts, I understand that I must submit documentation as part of the resolution process. Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-1 ), credit reporting agencies are legally required to promptly block and remove any information that results from identity theft once proper documentation is received. Specifically, I am disputing and requesting the immediate correction and removal of the unauthorized account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$810.00}, which I did not open or authorize. Supporting documentation is attached to facilitate and verify this correction.

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 2025-11-05 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: GA

Complaint narrative:
I am sending this follow-up complaint to Experian, Equifax, and TransUnion to formally report an incident of identity theft that has had a significant negative impact on my credit reports. Through my research on the procedures for correcting unauthorized accounts, I understand that I must submit documentation as part of the resolution process. Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-1 ), credit reporting agencies are legally required to promptly block and remove any information that results from identity theft once proper documentation is received. Specifically, I am disputing and requesting the immediate correction and removal of the unauthorized account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$810.00}, which I did not open or authorize. Supporting documentation is attached to facilitate and verify this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Identity Theft Accounts ( Subject to Immediate FCRA 605B Deletion ) Accounts : XXXX XXXX ( multiple accounts ) XXXX XXXX XXXX  Account Services XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX series Required Corrective Action ( 5-Day Deadline )

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/year> To : Resurgent Capital Services , L.P . 

Account Number XXXX RE : XXXX This letter serves as a formal re-dispute of the inaccurate or unverifiable information you are reporting regarding the above-referenced account. I previously submitted a dispute providing the account number ; however, your response indicated that there were " too many accounts to locate '' and that you could not proceed. 
Your response constitutes noncompliance with both the federal Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the California Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.25 et seq. ). Under these laws, you are required to conduct a reasonable investigation when a consumer disputes information and to report accurate and verifiable data to any credit reporting agencies. 
By refusing to conduct a proper investigationdespite being provided with the identifying account informationyou have effectively attempted to dismiss the dispute without fulfilling your legal obligations. 
Therefore, I demand that you : 1. Reopen and conduct a full reinvestigation of this account in compliance with the FCRA and California FCRA. 
2. Provide written verification and documentation supporting the accuracy of any information you continue to report. 
3. If you can not verify the account, delete or correct the inaccurate information with all credit reporting agencies to which it was furnished. 
Please provide your written response within the required time frame under federal and state law. Failure to comply will leave me no choice but to file a formal complaint with the California Department of Financial Protection and Innovation ( DFPI ) and the Consumer Financial Protection Bureau ( CFPB ) for your failure to properly investigate a consumer dispute. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I am sending to formally dispute multiple items appearing on my consumer credit report that are inaccurate, unverifiable, or misleading. This request is made under the Fair Credit Reporting Act ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), 605 ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ). I request a full reinvestigation of each items and written verification of your findings within 30 days. Any items that can not be fully verified must be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-05 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We are submitting this complaint regarding the conduct of Select Portfolio Servicing ( SPS ) in relation to our agreed-upon Loan Modification Program originally initiated with XXXX XXXX. Per the terms outlined in the official documentation, we were instructed to make XXXX trial paymentsdue by the end of XXXX, XXXX, and XXXX. Upon successful completion, our missed payments would be deferred to the end of the loan term, and a new, reduced monthly mortgage payment would take effect. 
We complied fully with the payment schedule and received confirmation of our new mortgage servicer, SPS, shortly thereafter. In good faith, my husband and I began contacting SPS to make our XXXX payment. We called repeatedlyon XX/XX/XXXX, XXXX, and XXXX, and again on XX/XX/XXXX and XXXX. Each time, SPS representatives advised us to wait, stating that our Loan Modification documents had not yet been uploaded into their system. We were pressured and told to keep waiting. To file new documents and wait. 
Trusting their guidance, we waited. However, after multiple delays, I sought legal counsel. The attorney warned us that SPSs repeated instructions to delay payment were suspicious and could jeopardize our modification and home. Acting immediately, I went to the bank and sent certified mail the Modification payments on XX/XX/XXXX and XXXX for both XXXX and XXXX to SPS, including documentation explaining the dates and reasons for the delay. SPS cashed both payments. 
Despite this, SPS is now denying the modification, claiming they did not receive the XXXX paymentdespite having explicitly instructed us to wait. Had we not consulted an attorney, we believe SPS would have continued to stall, ultimately undermining our agreement and risking our home. 
We are requesting a formal investigation into SPSs handling of our Loan Modification and a resolution that honors the original terms agreed upon with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
XXXXExperian is reporting information that does not belong to me and is inconsistent with the other consumer reporting agencies.\nIt lists multiple names and a missing portion of my date of birth, which has caused confusion and potential mixed-file errors.\nExperian also continues to report disputed collection accounts that have not been validated, including accounts from XXXX XXXX XXXX and XXXX XXXX XXXXThese tradelines appear with differing information across the other bureaus, showing Experian has not maintained reasonable procedures to assure maximum possible accuracy.XXXX XXXX XXXX XXXX I disputed these inaccuracies in writing via Certified Mail to Experian.\nThe agency received my dispute, as confirmed by the signed USPS Form XXXX (tracking no. XXXX XXXX XXXX XXXX XXXX XXXXMore than 30 days have passed without a reinvestigation, correction, or response.\nExperians failure to act after verified receipt constitutes a willful violation of FCRA 1681i(a)(1).\n\nStatutes involved:\n\nFCRA 1681e(b): failure to maintain reasonable procedures for accuracy\n\nFCRA 1681i: failure to conduct a reasonable reinvestigation after dispute\n\nFCRA 1681g: failure to provide complete file disclosure'

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