vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: OK

Complaint narrative:
I am filing a formal complaint against Capital One regarding their mishandling of a VXXXX XXXX XXXX XXXX, lack of transparency, and refusal to fully reimburse expenses I incurred as a direct result of their error. 

My family of XXXX  ( XXXX XXXX XXXX XXXX ) booked a return flight from XXXX to XXXX for XX/XX/year> through Capital One Travel more than 10 months in advance. Months before departure, Capital One changed our booking from a XXXXXXXX XXXX flight to an XXXXXXXX XXXX XXXX XXXX flight. I called Capital One at that time to confirm our entire party was correctly rebooked, and the representative assured me we were confirmed on the new XXXXXXXX XXXX flight. 

On the day of departure, I was unable to check in XXXX XXXX XXXX  passengers online. I immediately called Capital One, and the representative again reassured me that all passengers were confirmed and instructed me to check in at the airport. When we arrived at the XXXX XXXX, XXXX XXXX informed us that XXXX XXXX XXXX XXXX passengers were not recognized in their system and we were denied boarding. 

I then spent over two hours on the phone with a Capital One supervisor, who admitted the mistake and reassured me that : Our original flight cost would be credited, and the out-of-pocket costs we incurred would be reimbursed. 

Because of this mishandling, we were stranded in XXXX and had to pay for additional nights of hotel accommodations for XXXX people, meals for our family during the delay, multiple XXXX trips between the airport and hotel for XXXX passengers. 

I paid for these expenses with my XXXX XXXX card, and they are accruing high interest charges while I wait for resolution. 

To date, Capital One has credited back the original flight and reimbursed the replacement one-way flight we had to purchase only after multiple call to their customer service lines and almost a month of waiting for resolution. However, they have refused to reimburse the out-of-pocket expenses ( hotel, meals, XXXX ) and have only offered a limited-use travel credit, which does not resolve my financial loss. 

Adding to the problem, the XXXX flight booking in question has now disappeared from my Capital One Travel portal. All of my other bookings remain visible, but this one is missing. Capital One has also refused to provide written communication about this matter, requiring me to repeatedly call and retell the entire situation to different representatives and supervisors, with no continuity or accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
Our mortgage is held by the Global Credit Union and when my husband and I got laid off at work in 2021 after getting XXXX we reached out to get mortgage assistance and once we got all the paperwork work in that they requested we never got any help or were contacted by them about the paperwork being processed. We have filed for mortgage assistance, a repayment plan, and refinancing help over 18 times in the last several years. They refuse to accept any payments we have tried to make because they wanted over {$10000.00} up front due to late payments. We have tried everything to work with them to get caught up with our payments and we just keep getting the run around. Our house is now due to be auctioned off beginning of XXXX and we only got notified of this the end of XXXX, giving us 2 full months to figure out what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/25 XXXX XXXX Date : XX/XX/25 XXXX Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates claims to be collecting on an account placed by XXXX XXXX XXXX, XXXX on XX/XX/XXXX, account number XXXX. 
In their XX/XX/XXXX letter, Wakefield acknowledged receiving my disputes through the credit bureaus but insists the debt is due and owing. They also confirmed they have furnished the account to the credit bureaus and dispositioned it as cease communication. 

I dispute this debt and object to Wakefields continued furnishing of negative credit information. The reporting is inaccurate and incomplete, and the company has failed to provide proper validation. Their actions are causing ongoing damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Yesterday I was able to access my credit score on Experian and Equifax. They both had incorrect information with my name and phone number. I edited the information and today I tried to sign onto their websites but I am unable to. I have tried for over an hour to talk to someone at Experian but the phone numbers they provide are worthless. There is absolutely no way to talk to a real person only an automated system. One of the problems is they are sending responses to my XXXX email. XXXX had informed me that my storage was full and I am unable to send or receive emails. I have the XXXX email on both Experian and Equifax. XXXX is trying to coerce me into paying for extra storage. I have a second XXXX email that I rarely used. XXXX won't let me use it.

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 2025-09-02 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX MA XXXX Date : XX/XX/year> American ExpressAttn : Customer Service / Legal DepartmentXXXX XXXX XXXX XXXXXXXX, TX XXXX Re : Cease and Desist Account ending in XXXX XXXX, XXXX To Whom It May Concern : I am writing to formally notify you to cease and desist from any further collection efforts, phone calls, or written communications regarding the above-referenced account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me in relation to this matter. Any future communication should be made in writing only and directed to my mailing address listed above. 
Please be advised that failure to comply with this request may constitute a violation of federal law, and I reserve the right to pursue all remedies available to me under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
This letter is not an acknowledgment of debt nor a waiver of any of my legal rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made two separate payments ( {$300.00} on XXXX and {$400.00} on XXXX ) from my Truist Bank accoun to a XXXX bank account at XXXXXXXX XXXX held by XXXX XXXX XXXX, account number XXXX. I did not receive the services promised by the account holder. I immediately notified my bank from which he funds were drawn, Truist Bank, and they refused to recall these amounts and provide me with a " hold harmless '' letter. I have reported these transactions to the FBI. I want the amounts to be recalled and returned to my bank account.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Debt Collector Complaint Template ( CFPB & XXXX  ) Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding LVNV FUNDING LLC in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect. 

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the LVNV FUNDING LLC containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title, LVNV FUNDING LLC has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into LVNV FUNDING LLC 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : LVNV FUNDING LLC Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: FL

Complaint narrative:
In XXXX 2025, XXXX XXXX disconnected my phone line and refused to let me port my number out to another carrier, despite the account being in good standing. I began contacting XXXX immediately to request my number back all within the 50-day porting window. I was repeatedly told the number could not be recovered, only to later find out this was false and the number couldve been restored if I had been given accurate information. 

XXXX  misleading responses caused me to miss the 50-day deadline they claimed prevented recovery, even though they themselves blocked me from doing so.

At one point, I offered to pay the entire alleged balance plus more if they would give me back my number. I was told that despite my offer, it was too late because I had " missed the deadline. '' That deadline was missed because of XXXX 's own deception. 

To make matters worse, XXXX also disconnected both my XXXX  parents lines, leaving our entire family without working phones. This happened while my cousin had XXXX  XXXX  and XXXX  of the XXXX  XXXX  XXXX. My father and I were among the only remaining family and she couldnt reach us. 

Device Scam 36-Month Charge for a Phone Used for 5 Days : After XXXX disconnected my fathers line, they charged us over {$1000.00} for a phone he had only had for 5 days, on a 36-month device payment plan. He never had a chance to use the device, and XXXX disabled the line without warning, yet they still billed the full cost of the phone as if it was a legitimate contract. This was predatory, exploitative, and cruel. 

Collection Abuse by MRS BPO ( XXXX Agent ) : Weeks later, I received a collection notice from MRS BPO , LLC, claiming I owed {$5900.00} to XXXX. When I called and asked for : The signed contract Itemized bill Any documentation showing what the debt was for Their representative admitted on a recorded call that : They do not own the debt My account is still with XXXX They can not provide a contract or itemized statement They could only send a vague bill in the mail within 510 business days I also asked what commission they receive for collecting they refused to answer. 

Despite this, they still attempted to collect. They even offered a {$4100.00} settlement, then withdrew it when I asked to pay by check pressuring me to pay over the phone the same day. 

Ive also requested the contract and billing records directly from XXXX multiple times theyve never provided anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation