vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
b"To Whom It May Concern,\n\nIt is important to know that I have NEVER BEEN LATE ON ANY OF MY BILLS AND SPECIFICALLY THIS ACCOUNT EVER!!! I have always had an 800 credit score until KOHL's inadvertantly and wrongfully put a late payment on my credit report costing me a mortage approval at a premium rate!\n\nI am writing regarding my Kohls Capital One credit card account XXXX XXXX XXXX XXXX to formally dispute a late fee that has been reported to the credit bureaus.XXXX XXXX 2025, I received a bill that included a late fee. I promptly contacted Capital One customer service on XXXX  to resolve the issue and pay the balance. The representative I spoke with reviewed my account and confirmed that I had never previously incurred a late fee. They removed the fee and provided me with the balance due of XXXX, which I paid over the phone. At that time, I also updated my name and address, which were incorrect.\n\nI understand that Kohls credit cards transitioned to Capital One this year, and I suspect that the combination of the transition and my address change may have contributed to the confusion. I believed the matter was resolved and that my account was paid in full.\nHowever, I later received another bill due XXXX that included a late fee. I immediately called Capital One on XXXX and spoke with a representative named XXXX. He reviewed my account, removed the late fee, and informed me that my remaining balance was XXXX I paid this amount over the phone, and XXXX assured me that my account was now paid in full with a zero balance. The money was there in my account all along I've provided proof of the bank statement to be exact! This is laziness on KOHL's part not mine and needs to be fixed XXXX a recent credit review, I discovered that the late fee had been reported to the credit bureaus. I contacted Capital One two additional times to address this, with my final call on XXXX XXXXo a supervisor named XXXX. I requested a review of my account and the previous three calls. When I asked why I wasnt given the correct balance during my initial call, XXXX responded, People make human errors, and suggested that I should have reviewed my account XXXX am respectfully requesting that the late fee be removed from my credit report. The fee was ultimately waived, and I have never had a history of late payments. My XXXX  score was over XXXX  prior to this issue, and I had sufficient funds to pay the full balance had I been given accurate information. The account has since been resolved, paid in full, and closed.\n\nThank you for your time and consideration. I have included a copy of the November statement showing a zero balance as confirmation.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Yes I contacted the debt company to ask about the debt that was on my collection. The provided me with the wrong mailing address or my physical address for the debt. I have lived at XXXX XXXX XXXX for the last XXXX. I have never lived on XXXX XXXX from where the debt is owed for a cable bill and cable boxes. I have contacted Eastern Account System they are trying to collect the debit for the account. I have filed a police report for identity theft stating I never lived at the home attached to the debt and never opened an account. The police report and my id is attached below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries reported on my credit report. After reviewing my credit reports from Equifax, XXXX XXXX XXXX, I have found discrepancies and incomplete data that violate the Fair Credit Reporting Act ( FCRA ). The following is a detailed breakdown of the accounts and inquiries in dispute : Charged Off Accounts : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Can you recheck this entry? Its behind schedule and could be flawed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am filing a complaint regarding a student loan account serviced by UAS. On XX/XX/year>, I missed a payment due to not receiving my statement. The mailing address on file with UAS was incorrect, so I never received the physical bill. I paid the full balance immediately upon realizing the missed payment. 

The account was reported to the credit bureaus as 30 days late on XX/XX/year> e.g., 46 days after the missed payment. I contacted UAS, submitted a goodwill letter, and called to request that the late payment be removed due to my long history of on-time payments and the fact that I did not receive the statement because of their error. UAS informed me that the XXXX late would remain on my credit report, though they confirmed the account would now be reported as current going forward. 

I believe this late payment is inaccurate or unfairly reported because it resulted from an administrative error on the companys part, not from negligence on my end. I am requesting CFPB assistance to have this late payment corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Please examine this entry ; it's late and might have errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
The car was paid off in full in XX/XX/XXXX. I have never received the Title. Additionally, Santander Consumer USA took a payment of {$390.00} from XXXX Bank XXXX XXXX XXXX Account in XX/XX/XXXX. AFTER the car was paid off. I have called their " Customer Service '' Number countless times. I have been hung up on. Twice I have been told that a Refund would be mailed and should be received within 7 days. It never arrived. The last time on XX/XX/XXXX, I was promised delivery by XX/XX/XXXX. It is very difficult to reach anyone by phone. Today, I was on hold for XXXX minutes before reaching a representative and then placed on hold several more times. She told me that I would need to call XXXX and they would provide the refund on a card. That is a non-working number. This has been dragging of more almost 9 months and is unacceptable. I want my {$390.00} Refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX set up our loan through Momnt. XXXX XXXX did not finish our remodel and left our shower incomplete. The company went out of business and no one ever did anything to rectify the situation with our bathroom. Momnt is saying I have to pay the loan because I signed a contract. However the contract was for work completed, work was not completed and they refuse to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Click n' Close, Inc.
State: NM

Complaint narrative:
XXXX XXXX, I called my mortgage servicer, Click N ' Close, because there was no option to pay via the online portal. I was told this capability was not available to my account because the loan was due to be transferred to XXXX XXXX. That was the first I was informed of this. I called XXXX XXXX today and had this confirmed. 

Pointedly, Click N ' Close and XXXX XXXX are both delinquent in their responsibility to provide at least 15 days notice of this transfer, as specified by statutes 12 U.S.C. 2605b and 12 U.S.C. 2605c, respectively. Instead, they left me to discover this by myself after calling in and navigating their automated systems to reach representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Requesting Navy Federal Credit Union to honor SCRA and reduce interest rate on my mortgage and auto loan. 
Both loans were initiated prior to my mobilization on XXXX. 
I am a member of XXXX XXXX XXXX reserve who received orders to mobilization on XXXX. 
My mortgage and auto loans were both started prior to my mobilization orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am experiencing serious financial hardship and reached out to Sallie Mae multiple times requesting assistance so I could avoid delinquency and default. Instead of helping me enter an affordable payment plan, hardship program, or temporary deferment, Sallie Mae refused to accept any payment below the full minimum due. I repeatedly explained that I can not afford the minimum payment and asked for a solution that would prevent delinquency. They still insisted that anything below the full amount would not count and pushed me toward default rather than working with me. 

As a result, Sallie Mae has now reported a negative delinquency on my credit report, which immediately damaged my credit by over XXXX points. This has impacted both me AND my co-signer, even though I have actively tried to pay what I can and requested assistance. 

I made multiple requests for : Hardship repayment options Reduced minimum payments Temporary deferment or forbearance Any alternative plan to avoid default Sallie Mae refused every option and continued demanding the full payment only. I was not warned that partial payments would not prevent delinquency. I was told to just pay with a credit card even though I do not have the funds. Because they refused to help, my credit and my co-signers credit are now severely damaged. 

I am urgently requesting : XXXX. Removal of the delinquency report from my credit and my co-signers credit XXXX. Immediate placement into a hardship-based modified repayment program or reduced minimum payment plan XXXX. Protection from default while I am actively trying to pay I am not refusing to pay I am trying to pay responsibly based on what I can afford. Sallie Maes refusal to offer ANY relief during financial hardship is pushing me into deeper financial crisis and causing unnecessary harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute the following accounts currently reporting inaccurately under my credit file with Equifax. These discrepancies are related to charged-off accounts, inquiries, and late payments. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Issue : This account is reported as charged off but should not reflect as such due to inaccuracies in reporting. 

Late Payments : XXXX XXXX  Account Number : XXXX Issue : I dispute the late payment reporting as this is inaccurate and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
These accounts should be deleted within XXXX  days since they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Chime Financial Inc
State: CA

Complaint narrative:
Sunday XXXX XXXX, I went to XXXX to get a drink from the soda fountain, I purchased only XXXX fountain drinks using my CREDIT BUILDER CARD that total came out to {$3.00}. After that I left than hours later I get a text massage from CHIME that my card XXXX was being charged for {$75.00} and asked if I made the transaction and I responded NO. I checked my account and I was charged {$47.00} at XXXX that same day I went to buy XXXX drinks. If I was to spend that much that means XXXX getting gas but I didnt. After that I froze my card and requested a new one but the card was still attempting to get charged at XXXX and XXXX, I said NO to all transactions even tho my card is already frozen. There was XXXX more but it didnt asked me to say Yes or No, I just got notified by the App. I put in a dispute after the charge got settle cause thats what I was told by the app to do and the first dispute is completely false and I shouldnt have received the amount of {$7.00}. XXXX of them was from XX/XX/XXXX, but I reported my card stolen In XXXX almost a month later so how would that make since, obviously I made those purchases totaling {$7.00} myself. I put in another dispute cause I sent documentation that those transaction wasnt right and it got ignored so this time the person put the right transaction for {$47.00} but it got denied. It makes no sense why I shouldnt be getting my money back for a transaction i obviously didnt make and the screenshots can show that. If I have to escalate this further I will and Im starting to think Chime isnt a bank thats going to protect my money in the future to come.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/year> I was on my Credit karma account when I seen it say the approval odds for this card is outstanding and it was for the XXXX XXXX secured credit card. The minimum deposit was {$49.00} {$100.00} or {$200.00} and because it was a secured card I figured {$200.00} would be a good security deposit so I applied with the {$200.00} security deposit. It stated my approval odds were outstanding and it withdrew my {$200.00} same time. 

After about a week after confirming that the deposit was taken I didn't see a card in the mailbox or received any info about the account. So I then contacted Credit Karma who stated the deposit was taken out by XXXX XXXX not them so I should contact XXXX  XXXX. Then, I did and was told it was from Credit Karmas Karmas approved guarantee and they were who took out the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is a follow-up to my original complaint regarding the debt collectors reporting accounts in my name without providing proper documentation or proof that these debts are actually mine.

Since filing my initial complaint, I have begun receiving letters from the debt collectors stating that the debts are true and verified. However, none of these responses provide * * any * * supporting documentation proving ownership of the debts, nor do they provide validation that the information being reported is accurate, complete, or belongs to me.

The only information being provided by the collectors and credit Bureaus is the same unverified information already shown on my credit report. This does * not * meet the requirements for proper validation under the FDCPA or FCRA.

I also sent written requests directly to the debt collectors and to all three credit bureaus, requesting : XXXX. Proof that these debts belong to me, XXXX. Documentation confirming all reported information is accurate, complete, and up to date, and XXXX. That verified documentation be sent to both me and the credit bureaus. 

To date, none of this has been done. The debt collectors and credit Bureaus continue to send generic account summaries copied from my credit report, which does not constitute verification or validation. 

I am seeking to get real documentation that verifies the reported information belongs to me as well as the information being reported is accurate from all XXXX major credit Bureaus as well as JEFFERSON CAPITAL SYST, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Letters have been sent XXXX  days ago.

Company response to consumer: Closed with explanation