vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One approved my bank account using my correct legal IRS name and Social Security information. They mailed my debit card to the wrong address. They updated my address after I called for the matter but they never send out the replacement card, I called them again requested a replacement card, they refused to send one unless I upload a drivers license that shows the same name as on my account. ( My Identity was verified when the address was updated, but my identity cant be verified when requesting a replacement card? ) My drivers license currently shows my former legal name, but the Social Security Administration has updated my correct legal name, which is the name Capital One used to approve my account. Because I can not upload ID with my now legal name, Capital One placed a restriction on my account, and I can no longer access my own funds. 

Worse, customer service representatives advised me to change my IRS legal name back to the old name solely to satisfy their system. This guidance is improper and could expose me to federal legal issues. 

Capital One : 1. Verified my correct legal identity during account opening 2. Incorrectly mailed the debit card to the wrong address 3. Refuses to issue a replacement card 4. Restricted my account and blocked access to my funds 5. Provided advice that conflicts with IRS regulations I need immediate access to my money and proper handling of my legal identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-02 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My XXXX mortgage was fully paid off in XX/XX/year>. Shellpoint/NewRez emailed written payoff confirmation, recorded a Discharge of Mortgage, and refunded an overpayment. XXXX months later, they recorded a Vacation and Rescission of Discharge of Mortgage without any legal basis. After payoff, they continued reporting late payments and derogatory information to the credit bureaus. I sent multiple written disputes and a new XXXX requesting complete records, an explanation of the rescission filing, and correction of the tradeline to Paid-in-Full/ {$0.00} balance with no late payments after payoff. They have not corrected anything, and the false reporting continues to harm me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
LVNV Funding LLC is actively violating the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ) by furnishing inconsistent and inaccurate information. 

1. * * Deletion Event : * * On XX/XX/year>, XXXX confirmed the * * DELETION * * of the two LVNV accounts.

2. * * Inconsistency : * * Despite this deletion, LVNV is violating the FCRA by continuing to report these same debts to XXXX and XXXX as active collections, creating a severe data inconsistency problem. 
3. * * Refusal to Correct : * * On [ XX/XX/year> ], I contacted LVNV 's representative who stated they " aren't sure why XXXX  deleted the account '' but still refused to provide a letter on company letterhead confirming deletion across all three bureaus. They also kept asking me " why was it disputed? '' trying to obtain information from me to reverify the debt. This refusal to correct the record demonstrates that LVNV has * * reasonable cause to believe the data is inaccurate or unverifiable. * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am writing as a consumer who is simply trying to fix and clean up my credit report. I am requesting your help in properly investigating and correcting the inaccurate and inconsistent information listed below. These items are harming my credit and do not reflect complete or accurate reporting as required under the FCRA. 

CHARGED OFF Disputed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX {$1100.00} INQUIRIES Disputed XXXX XXXX XX/XX/XXXX LATE PAYMENTS Disputed 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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken oft immediately. 

Capital One Acct # XXXX. Acct Balance {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am disputing inaccurate information that Equifax is reporting in my credit file. I am simply a consumer trying to fix my credit. Under the FCRA, you are required to maintain accurate and verifiable data. The account listed below is not reporting correctly, and I am requesting a complete investigation. 

Charged Off Account in Dispute : XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this formal identity theft complaint under FCRA 605B and requesting that TransUnion immediately block and remove the fraudulent information appearing on my credit file. This fraudulent, inaccurate, and unauthorized information consists of a XXXX  account under account number XXXX with a balance of {$5600.00} opened on XXXX, and a XXXX Card account under account number XXXX with a balance of {$830.00} opened on XXXX. These accounts were added to my TransUnion credit report without my knowledge or authorization and are the direct result of identity theft, not any legitimate consumer transaction. 

I am including my FTC Identity Theft Report, Report XXXX XXXX, as required by law to substantiate my request. Pursuant to FCRA 605B, Equifax must block and remove this fraudulent information within four ( 4 ) business days of receiving this request and supporting documentation. I am also requesting that this matter be escalated for a full manual investigation rather than an automated response, as this is a legally protected identity theft blocking request.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I received an offer for the Capital One Savor card that advertised 0 % interest for 12 months. After receiving the card, I contacted Capital One to confirm the terms. The representative assured me that the promotion included 0 % interest for 12 months along with a {$300.00} balance transfer fee. It clearly says 0 % for 12 months on the website.

Recently, I discovered that I am being charged interest. When I contacted Capital One for clarification, I was informed that my account had allegedly been set up under a different optionno transfer fee but a 28.99 % interest ratewhich I did not select or authorize. Multiple representatives provided the same response, and I was unable to speak with a supervisor or anyone with the authority to address or correct the issue.

As a result, I am now paying significantly higher interest than on the card from which I transferred my balance. This situation is extremely concerning, and at this time, there appears to be no clear resolution path offered by Capital One.

I would also note that I have been a loyal Capital One customer for over 12 years, holding three credit cards and bank accounts with the company. This experience has been highly disappointing and has raised serious concerns about the accuracy and transparency of the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Company closed my account and my dispute on the XXXX day, didnt provide any information, i dont have a bank account to receive my paycheck, they violated all the regulation E guidelines. 
Im going to go homeless because of them, this is my first time ever filing a CPFB claim. Please help me theyre trying to ruin my life and prey on 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 2025-12-02 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
I am submitting a complaint regarding Radius Global Solutions and their unlawful reporting practices. I previously disputed a collection account they are reporting for XXXX XXXX XXXX ( Account # XXXX ). After I filed the original dispute, Radius Global Solutions changed the Date Opened on the account to XX/XX/XXXX, which is factually impossible and a direct violation of the Fair Credit Reporting Act ( FCRA ). 

This XXXX XXXX XXXX account was active long before XXXX. I have documentation of an XXXX XXXX XXXX XXXX purchase delivered on XX/XX/XXXX. This proves the account existed years earlier. However, Radius updated the Date Opened to a future date after I disputed the accountthis is textbook illegal re-aging.

This change appeared on my XXXX  credit report immediately after Radius verified the account. This has caused substantial damage to my credit score, extended the reporting period of the derogatory account, and is interfering with my ability to obtain a mortgage for my family. 

I believe Radius Global Solutions is knowingly furnishing false, inaccurate, and manipulated account information.

What I believe Radius Global Solutions violated FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably expected to be inaccurate FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure maximum accuracy FCRA 611 Failure to conduct a lawful reinvestigation FCRA 605 ( c ) Prohibition on re-aging accounts Changing a delinquency or open date to a newer/future date after a dispute is illegal and considered a deceptive practice.

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 2025-12-02 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal requ

est for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EXPERIAN continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with 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 explanation