vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been a Capital One credit card customer for over 6 years. In XX/XX/XXXX, I lost my job and struggled financially while supporting my child. I used my Capital One credit card to cover essential expenses and eventually maxed it out. 

I stopped using the card in XX/XX/XXXX, and since then Ive made over {$900.00} in payments. Despite this, my balance has continued to grow due solely to interest charges and late fees, not new purchases. My minimum payment is currently {$670.00} and continues to increase, making it completely unaffordable and unrealistic. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX, I called Capital One and spoke with XXXX ( ID # XXXX ), who transferred me to XXXX ( ID # XXXX ). I explained my situation and requested : A hardship repayment plan A pause or removal of interest charges A waiver of late fees A realistic long-term payment plan XXXX informed me there were no programs available currently for my account and suggested that I simply make the minimum payment of over {$600.00}. I said to XXXX, Are you saying that there is nothing you can do to help me, even though Ive been a Capital One customer in good standing for over six years and now that Im going through a financial hardship, the only option is for me to make a minimum payment of over {$600.00} while still being charged interest and late fees? 

He responded once again stating that there were no programs available for my account, and suggested I make the minimum payment. When I asked to be escalated or to have a supervisor follow up, I was told that my request to speak with someone had already been fulfilled, and no further action would be taken. I also asked for written confirmation of this denial and was told that could not be provided. 

Im not avoiding my debt. Ive made several large payments since the card became inactive, and Ive been trying to resolve this account. I am asking for a path forward and being blocked at every step. 

I am requesting that Capital One : Remove interest and late fees added since XX/XX/XXXX Place the account in a hardship program that pauses or reduces interest going forward Offer a reasonable long-term repayment plan so I can bring the account current and begin rebuilding my credit Capital Ones refusal to escalate, assist, or document anything in writing is unacceptable and deeply harmful to consumers in hardship situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). They did not conduct a proper or reasonable investigation into the disputes I submitted. Although I clearly identified inaccurate and negative items on my credit report, these accounts continue to appear without sufficient verification. As a result, my credit score has been unfairly damaged, restricting my access to financial opportunities and causing significant personal and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-07-16 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my transuion credit report it shows a name of XXXX XXXX XXXX and XXXX XXXX XXXX on my ss card and dl my name shows as XXXX XXXX XXXX I dont know who is applying with that name but neither is not my name and I have disputed with transunion several times to remove these names from my credit 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 explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am highly dissatisfied with your response and am requesting immediate corrective action for the following reasons : Failure to Provide Proof of Verification or Original Contract As permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I formally requested that Transunion provide : Documentation verifying the accuracy of the disputed item, Specifically, a copy of the original contract bearing my signature as proof of a valid consumer relationship. To date, Transunion has not provided any such documentation. You are required to conduct a reasonable reinvestigation and provide supporting evidence upon consumer request. Failure to provide these documents demonstrates that a proper reinvestigation has not been conducted. Untimely Response As outlined under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ), credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. Transunion has not responded within this timeframe, which is a clear violation of the statute. Demand for Deletion of Unverified Information According to FCRA 1681i ( a ) ( 5 ) ( A ), if an item can not be verified after reinvestigation, it must be deleted from the consumer 's credit file.

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 2025-07-16 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-16 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 am writing to formally dispute a negative mark on my credit report and request assistance regarding a credit card account that was reported as Charged Off on XX/XX/year>. 

The charge-off occurred after a payment was returned by my bank, not due to a refusal to pay or neglect on my part. I had attempted to make a payment close to the due date, but due to the timing and unforeseen issues with my bank accountwhich was closed without notice shortly after the returned paymentthe transaction did not process successfully. Unfortunately, this situation escalated quickly and resulted in my account being charged off. 

I have since worked to resolve the matter directly with the creditor and would like to request that this charge-off be reviewed and removed from my credit report. It does not accurately reflect my intent or payment history, and the circumstances were outside of my control.

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 2025-07-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX account f XXXX Jefferson Capital Systems , LLC To whom it may concern : this letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. By provisions of 15 US section1681i of the fair credit reporting act, these items need to be investigated. Please provide me with proof of these items, Specifically the contract bearing my signature .Failing that, please update the record to show as Paid in Full/As Agreed or Remove this from my credit as soon as possible. this is a very serious matte affecting my everyday life. The out lined item as a very serious error in reporting. please update this information. This account is listed as charged off account on my credit report but i have never received a 1099c for this charged off/ closed debit. can you please provide me with a 1099c to accurately reflect this charge off for tax purposes and please update my credit report and delete immediately. Pursuant to 15 US section 1681i { 6 } { a } of the fair credit reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be providedwithin15 days of completion of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi Dear, that credit card appears on my credit report and it doesn't belong to me. can you help me solve the problem? thank you.

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 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
Hello, We have had several issues with Round Point Mortgage since they took over the servicing of our loan. Everytime there is an escrow shortage we pay the shortage directly through their website but it never applies correctly causing our scheduled payment to change. When we try to contact them to fix the issue there is literally noway to get a hold of them. When we call the que is more than XXXX people. We request a callback through their phone system and we never ever get back. We email customer service and they never return the email. This company should be sued! This should be illegal! This is our mortgage on our personal residence. This is not loan service. They should be shutdown! When I go online to reddit and other sites many other customers are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than XXXX days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
AFFIRM INC account XXXX was requested the method of verification. 
My message " I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide ( XXXX Mail ) with receipt displaying my signature. If not, please delete account XXXX XXXX immediately from my report.per U.S. Code 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I'm requesting the method of verification, the description of procedure, please provide all of the documentation retrieved during the investigation that proves this information is reporting accurately. If you believe you sent proper notification, please provide ( XXXX Mail ) with receipt displaying my signature. If not, please delete account # immediately from my report or I will have take further legal action. 

This was not honored and still remains on my consumer report according to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} 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