vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed multiple disputes ( at least four times ) with the credit reporting agencies and the furnishers regarding several inaccurate and unverifiable accounts, late payment notations, and personal information on my credit reports. Despite clear and repeated disputes, these items remain uncorrected or undeleted, which constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 607 ( b ), as well as 15 U.S.C. 1681s-2 ( b ).

The furnishers and bureaus continue to report false, inconsistent, and incomplete information that is not Metro 2 compliant and fails to meet the standard of maximum possible accuracy required by law. In particular, EdFinancial, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX are reporting conflicting data regarding late payments, balances, and charge-off statuses across the three bureaus.

I have never received competent documentary evidence to verify the alleged late payments or charge-offs. The continued reporting of unverifiable and inconsistent data after multiple disputes is reckless, negligent, and unlawful. 

In addition, there are several inaccurate personal identifiers being reported on my credit file, including a wrong name, incorrect date of birth, multiple false addresses, and an inaccurate employer listing. These items were also disputed and remain uncorrected, which further demonstrates a failure to maintain reasonable procedures to ensure accuracy under FCRA 607 ( b ).

The credit reporting agencies and furnishers have ignored my lawful demands for verification and correction, violating my rights and damaging my credit reputation through the continued reporting of false and unverifiable data.

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 2025-10-10 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: CL Holdings LLC
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I request a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Credit transunion, experian and Equifax bureaus shows erroneous and misleading information. When I apply for increase credit with XXXX XXXX they report for the credit bureaus that Im delinquent and my XXXX XXXX does not reflect with what I have with my Fico scores

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 2025-10-09 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: DE

Complaint narrative:
Credit transunion, experian and Equifax bureaus shows erroneous and misleading information. When I apply for increase credit with XXXX XXXX they report for the credit bureaus that Im delinquent and my XXXX XXXX does not reflect with what I have with my Fico scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

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 TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against XXXX regarding a disputed order that was never received. 

In XX/XX/year>, I placed an order for a camera on XXXX using XXXX ( order # XXXX ). I never received the item. I opened a case with XXXX, but I accidentally clicked Return this item instead of Didnt receive item, and because of that, XXXX  system treated it as a return even though I never got the product. 

XXXX has confirmed that this was an error on their end, but they are unable to reopen or fix the case. They told me to contact my payment provider, XXXX. However, XXXX refuses to assist because the order is over XXXX days old and keeps directing me back to the merchant. 

This situation has left me being charged for an item I never received. I have proof of communication with both XXXX and XXXX showing that I have been trying to resolve this since XXXX. I am requesting help in having XXXX investigate this further or remove the charge from my account since I never received what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL NEGATIVE ACCOUNTS THAT ARE REPORTING INACCURATELY AND WITHOUT MY KNOWLEDGE. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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 PULLED MY CREDIT REPORT AND NOTICED SEVERAL NEGATIVE ACCOUNTS THAT ARE REPORTING INACCURATELY AND WITHOUT MY KNOWLEDGE. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Dear [ Collection Agency Name ], I am writing in response to a notice I received from your company regarding an alleged debt. Please be advised that under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g * *, I am requesting that you provide validation of this debt.

Specifically, I am requesting : 1. The name of the original creditor and the amount of the debt ; XXXX. A copy of any agreement bearing my signature indicating that I agreed to assume this debt ; XXXX. Documentation showing that your agency has the legal right to collect this debt ; XXXX. A full account history, including all payments made, interest, fees, and other charges added ; XXXX. Verification that the statute of limitations for collecting this debt has not expired. 

Please note that until this debt has been properly validated, you must * * cease all collection activity * * and refrain from reporting or continuing to report this alleged debt to any credit reporting agencies. 

If this debt is found to be valid, I will review the documentation and determine how to proceed. However, if you can not provide the requested verification, please remove all references to this debt from my credit report and cease further contact. 

Thank you for your cooperation. I expect a response within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXXXX/XX/year>, I noticed that my card declined when I was trying to purchase food. Upon checking my Capital One app, my account had been locked due to too many false attempts at signing into my account ). However, there was no email, call notification or letter sent to me that something had happened with my account. I immediately called Capital One as at this point the account had only been open for a week and I had only made XXXX purchase. They told they couldn't give any information or turn my card back on because they didn't believe I was the real account owner. I first had to send them copies of my drivers license and bill statements faxed or emailed and also give them my social security over the phone. About XXXX  days later, they for some reason called my brothers phone requesting for me to contact them. This made me very uncomfortable as my brother is not listed on the account and we do not have a relationship. I claled Capital One the same day to see fi they could unlock my account as I couldn't even pay my bill. They still were not able to fix my account as it stayed locked and still would not give me an explanation about the attempts to sign in to my account and why it is locked. Today i have finally been able to log back in and upon logging in to the account there is no record of any credit card account being open in my name. However, I called the XXXX credit bureau as I would like to cut ties with the company and would like the credit inquiry removed from my credit report. However, XXXX told me I must obtain a credit removal form from the account to do this. Note : XXXX  said that while they have a record of the credit inquiry they show no open account in my name. Upon calling Capital one and requesting the credit inquiry removal form they said to obtain one I must first pay my balance on the account. However, my app was showing that there is no balance or open account, to which the representative told me I must pay online. I have now missed a full day of work and spent many hours trying to resolve the issue as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
MCA MGMNT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research MCA MGMNT CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was told after multple calls to see why I never got a notice for who garnished my funds and after contacting the court, they are telling me I do not have a levy or anything like that and also same with my normal purchases. Im under the impression that banks are legally required to either send out a notice explaining who and why the funds was garnished but I have not been told anything about that from anyone. They all tell me Im sorry I do not have anymore information at this time. I am not a wealthy individual so those funds being gone are hurting my life. I would really prefer to just handle this with a quick notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-09 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing this complaint to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my finance institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB is finding indicates zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
my mortage lender Wells Fargo said my home insurance lapsed for a couple months and then imposed a forced policy on me that more than doubled my monthly payment. 

i do in fact have a home insurance policy and the annual premium is only {$1000.00}. Wells is charging me more than {$2500.00} per month for this policy I don't need. 

they told me that if my insurance lapses even for one day, then they impose this forced coverage until the end of the loan term which is years away. that sounds crazy to me and I wondered if this is even legal. Well, turns out, this is in violation of federal law. 

What Wells Fargo is telling me is NOT legal, and they have a documented history of exactly this kind of abuse. 

Federal Law Protection Under federal law ( RESPA Regulation X, 12 CFR 1024.37 ), when I provided proof of insurance, Wells Fargo is legally required to cancel the forced-place insurance within 15 days and refund all overlapping charges. The law explicitly requires servicers to refund all force-placed insurance premium charges paid by borrowers for any period of overlapping insurance coverage. 

The claim that it must stay in place " until the end of the loan term '' is completely false and violates federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
There was an error in my reports for Experian, Equifax, and Transunion. A collection was reported that did not belong to me. I disputed it with the XXXX Bureaus. It was removed between my XX/XX/year> report and XX/XX/year> report. It was then added back in by another collector. It is the same debt that was already removed. This is an obvious violation. I highlighted in the attachment the relevant parts in my 3 Bureau report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was an error in my reports for Experian, Equifax, and Transunion. A collection was reported that did not belong to me. I disputed it with the XXXX Bureaus. It was removed between my XX/XX/year> report and XX/XX/year> report. It was then added back in by another collector. It is the same debt that was already removed. This is an obvious violation. I highlighted in the attachment the relevant parts in my 3 Bureau report.

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