vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I submitted a credit dispute to Experian regarding a XXXX XXXX account XXXX. that has a reporting error. Specifically, the item lists a date invalid instead of an accurate payment or reporting date, which is clearly incorrect and misleading. 

I mailed my dispute via certified mail on XX/XX/2025 and USPS shows it was delivered on XX/XX/2025 ( see attached documentation ). Under the Fair Credit Reporting Act ( FCRA ), the credit bureau was required to investigate and respond to my dispute within 30 days of receiving it.

As of today, it has been over 30 days, and I have received no response and no update to my credit report. This is a violation of my rights under the FCRA. 

I respectfully request that the CFPB require Experian to : 1. Remove the inaccurate XXXX XXXX item from my credit report due to failure to investigate in time, 2. Provide a written response confirming the outcome of the dispute, 3. Ensure they are held accountable for violating the FCRA.

Supporting documents uploaded : A copy of my original dispute letter Certified mail receipt USPS tracking and proof of delivery Thank you for your time and assistance.

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 2025-06-17 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Capital One XXXX ( through Capital One Mastercard ) regarding a fraudulent hotel booking and the companys failure to provide a refund or resolution after more than a month of communication. 

On XXXX XXXX XXXX XXXX, I booked a hotel stay through Capital One XXXX, using XXXX rewards points ( equivalent to {$930.00} ) from my Capital One Mastercard. The hotel was XXXX XXXX XXXX XXXX XXXX XXXX. Upon checking in, the conditions were completely unacceptable : rooms reeked of cigarettes and XXXX, windows were broken, and the environment was unsafe. The property clearly misrepresented itself and should not be available for booking through a major credit card travel portal. 

When I addressed these issues with the motel manager, I was laughed at and told to leave and get a refund from my credit card company. I left the property within an hour and had to find alternative accommodations. 

Upon returning, I contacted Capital One support immediately and spent over a month following up with multiple departments and escalations. I was repeatedly told they needed to contact the hotel, but no real action was taken, and no resolution or refund was ever provided. 

On XX/XX/XXXX, I received an email stating that the hotel denied the refund and no reason could be given, effectively closing the case. This response is not only inadequate it reflects a lack of consumer protection and accountability by Capital One, which continues to list this property despite its fraudulent and unsafe conditions. 

I am requesting the CFPB to investigate Capital One Travels practices, including the lack of quality control on third-party listings, and their failure to protect customers from fraudulent merchants. I demand the return of my XXXX mileage points or their cash equivalent. 

This experience has been extremely distressing, costly, and unfair. I believe Capital One and its travel partner have violated fair consumer practices and must be held accountable. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was emailed by multiple credit reporting sources of mine that a hard credit inquiry was made and was notified it was through Capital One. I then contacted them and was notified that an application was submitted under my information. I requested to cancel this application due to fraud. I contacted the local police to attempt to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Logging into my mobile banking application on XXXX XXXX at around XXXX and it said account blocked. I called the number provided in the application and spoke with a representative who verified my identity and asked me a question if I added my debit card to XXXXXXXX XXXX I informed the representative that I did add my debit card to XXXXXXXX XXXX and tried to get my account unlocked and after a few mins she had to transfer me to the correct department. The next representative needed to verify me again and my phone number that is on file with them I provided to the second representative and she told me that since the number doesn't verify to my name that she would be unable to assist and that I would need to call back and provide a number that verifies to me. I know my number verifies to my parents due to family plan but I asked for other methods to verify since I work in bank fraud and we have other alternatives like taking pictures of government ID or passport and upload it. The representative said that all methods were used. The representative only focused on the phone number

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to the lack of response or a response that I classify as frivolous, the credit bureaus involved have failed to honor the FCRA regulations and my lawful request for verification under 15 U.S.C. 1681i. Despite my formal disputes, the account remains inaccurately reported with no proper documentation provided to substantiate the late status. This has negatively impacted my credit profile and overall financial standing .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-06-17 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX, I submitted formal disputes to XXXX regarding XXXX XXXX accounts XXXX XXXX ( reported around XX/XX/XXXX ) and XXXX  ( reported around XX/XX/XXXX ). I provided documentation proving that the balances being reported were incorrect XXXX XXXX  : reported as {$180.00}, but my records show the balance was {$180.00} XXXX XXXX reported as {$340.00} at charge-off, but the correct amount was {$320.00} Despite sending clear evidence, XXXX responded that the information was verified as accurate without giving me any proof or documentation from the original creditor. They also made unrelated updates, while ignoring the core issues I disputed.

Additionally, both accounts continue to be reported as charge-off every month after the account was closed. This is inaccurate and misleading. A charge-off should only appear once, in the month it was first reported not repeatedly each month. This violates the Fair Credit Reporting Act ( FCRA ) and causes unfair damage to my credit profile.

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 2025-06-17 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: GA

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I have recently discovered that I am a victim of identity theft, and there are several accounts and inquiries listed on my credit report that I did not authorize or apply for. These entries are inaccurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove the unauthorized accounts and inquiries from my credit report. Enclosed, you will find a list of the disputed items, as well as a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

I kindly ask that you initiate a thorough investigation into these items and take prompt action to delete them from my credit report. Additionally, I request written confirmation once these corrections have been completed.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
I am submitting this complaint because of inaccurate and misleading information being reported on my XXXX  credit report. 

The account in question is listed as a collection from " XXXX XXXX XXXX  '' and is classified as a utility debt for the amount of {$180.00}, with the collection agency listed as FirstPoint Collection Resources. 

However, I contacted FirstPoint directly, and they confirmed the following : This is not a utility bill but a medical debt originally from XXXX XXXX XXXX. 

The account has been pulled from collections and returned to XXXX XXXX XXXX. 

FirstPoint no longer owns or services the account. 

There are several serious issues : The creditor name listed ( XXXX XXXX XXXX ) is completely inaccurate. 

The type of debt is misclassified as utility instead of medical. 

The reporting is outdated, as the collection agency no longer owns the account. 

Most importantly, the balance is only {$180.00}, and per the updated credit reporting rules, medical debts under {$500.00} should no longer be reported by any of the XXXX major credit bureaus including XXXX. 

Despite submitting a formal dispute with XXXX  and sharing the information above, my dispute was closed without correction or removal of the account. This inaccurate reporting is hurting my credit and is likely a violation of the Fair Credit Reporting Act ( FCRA ) and recent credit industry policy changes related to medical debt. 

I respectfully request that this account be either : Corrected with accurate creditor information, classification, and ownership status, or Removed entirely, as it is a small-balance medical debt no longer eligible for reporting under current credit bureau guidelines . 

I have written documentation from FirstPoint confirming these details and can provide it upon request. 

Thank you for your assistance in resolving this issue fairly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a personal credit account opened at XXXX XXXX. On XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX amounts of {$7500.00} another account opened at XXXX XXXX ( all state fire ) opened on XX/XX/year> account number XXXXXXXX XXXX XXXX * amount of {$170.00} these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. ive attached a list of the hard inquiries in question ALL hard inquiries showing on my report are as a result of fraud as well as a copy of the FTC criminal complaint report as none of the accounts above were not opened, made, or initiated by me. all of the aforementioned accounts are the results of identity theft and or fraud.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion

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 2025-06-17 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT PURSUANT TO 18 USC 1028A. I NEVER AUTHORIZE THESE ACCOUNTS TO REPORT ON MY CREDIT REPORT. I WAS AFFECTED BY THE XXXX  DATA BREACH

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I received notifications via email of unauthorized transactions on a cash app account I didn't know I had and never have used. I notified my bank, XXXX, and they froze my accounts. Money continued to be transferred despite account changes. I filed a claim with XXXX to dispute the charges and was notified they are not able to refund over {$15000.00}. I was given a copy of the transactions on my bank account and saw cash app transactions. I was able to find an account in my name and a ton of recent transactions not made by me. I contacted the XXXX support team of cash app and disputed the charges. They did not give me a claim number and I have not heard back from anyone. I also told them I did not want the account open and it needs to be closed and the money returned. I have not heard back from the support team and my account shows no dispute of any transactions.

Company response to consumer: Closed with explanation