vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX RE : 623 ( a ) / 611 ( a ) ( 1 ) Metro 2 Factual Dispute XXXX XXXX XXXX XXXX Report date XX/XX/XXXX ) Dear TransUnion Dispute Department , Under 15 U.S.C. 611 ( a ) and 623 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am disputing several * * inaccurate or incomplete items * * that violate Metro 2 reporting standards. Please reinvestigate and * * delete * * the tradelines listed below within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Missing Date-of-First-Delinquency ( DOFD ) * * Metro 2 Field 25 required for charge-offs. : contentReference [ oaicite:1 ] { index=1 } 2. * * Contradictory status codes * * Charged off as bad debt ( Status 97 ) * * and * * consumer comment Account closed by consumer. Metro 2 prohibits mixing these codes. : contentReference [ oaicite:3 ] { index=3 } 3. * * Balance exceeds credit limit * * ( {$3200.00} bal. > {$2500.00} limit ) in violation of Metro 2 balance rules for revolving accounts. : contentReference [ oaicite:5 ] { index=5 } 4. * * Payment-history grid omitted * * Metro 2 requires a 24-month history or proper no history indicator ( this account clearly has history ). : contentReference [ oaicite:7 ] { index=7 } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX XXXX Missing DOFD * * on a charged-off installment account. : contentReference [ oaicite:9 ] { index=9 } 2. * * Payment-history grid entirely blank ( Unknown payment history ). * * : contentReference [ oaicite:11 ] { index=11 } 3. * * Inconsistent reporting across bureaus * * ( see XXXX section below ) violating Metro 2 Appendix E parity guidelines. 

Because these tradelines are * factually defective *, I request : 1. Deletion of each tradeline if the furnisher can not correct all Metro 2 fields, * * OR * * 2. Full correction, with written confirmation and an updated consumer disclosure. 

Please mail me the results of your reinvestigation per 611 ( a ) ( 6 ). If you verify, provide the * * Method of Verification * * ( 611 ( a ) ( 7 ) ) including the name, address, and phone of the furnisher and a copy of the data relied upon. 

Sincerely, 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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint regarding Capital Ones mishandling of a fraudulent charge dispute on my credit card account ending in XXXX. 

On XX/XX/year>, a charge for {$74.00} appeared on my account from a merchant listed as XXXX XXXX, processed through XXXX. I have no XXXX account, do not recognize this merchant, and did not authorize this transaction. I received no goods, services, or benefits from this charge. 

Despite promptly disputing it, Capital One concluded the transaction was valid. I reviewed the so-called evidence Capital One provided, and I can say unequivocally : I did not make this transaction. 

Key Questions and Concerns : I am submitting this complaint not just to challenge the outcome, but to question the flawed reasoning behind it. I ask the Bureau to consider the following : Does a charge 's appearance on a ledger inherently prove authorization? Or does it merely reflect that a transaction occurred, regardless of its legitimacy? 

If the charge occurred via a XXXX account I do not control, how can it be reasonably linked to me? Did Capital One verify account ownership or simply assume a connection? 

How can I provide documentation to refute a transaction I never made, with a merchant I never interacted with, through an account I dont own? Isn't it logically impossible to prove the absence of an action? 

If Capital One can not produce login records, IP addresses, device data, or account linkages that connect me to the transaction, on what basis is the charge being deemed authorized? 

Should a financial institution presume validity in the absence of affirmative proof or should it bear the burden of demonstrating a customers authorization? 

Capital Ones response assumed guilt without evidence. This is not my first experience with such negligence : several years ago, a wire transfer was fraudulently sent from my account to the XXXX destination with which I have no personal or financial ties. That too was marked valid, with no explanation and no accountability. 

What I Am Requesting : A reinvestigation of the {$74.00} charge from XX/XX/year>. 

A clear explanation and documentation of what Capital One used to conclude I authorized this transaction. 

A review of Capital Ones dispute resolution process particularly its tendency to assume transaction validity in the absence of verifiable customer authorization. 
This experience raises serious questions about Capital Ones fraud procedures, consumer protections, and evidentiary standards. I hope the CFPB will hold them accountable to a higher standard of fairness and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I submitted identity theft dispute packets to TransUnion, Experian, and Equifax under FCRA 605B, supported by a notarized affidavit of fact, an FTC Identity Theft Report ( filed XX/XX/year>2025 ), and proof that I was impacted by the Equifax Data Breach ( Engagement ID : XXXX ). My credit reports contain accounts, public records, and inquiries that are unrecognizable, unverifiable, and inconsistent across all three bureaus. 

The disputed items include : Fraudulent tradelines ( e.g., XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ) False mortgage/deed records from XXXX XXXX XXXXXXXX XXXX XXXX Inquiries without permissible purpose ( e.g., XXXX, XXXXXXXX XXXX  ) Personal data inaccuracies ( name, address, employer ) I mailed full identity theft dispute packets via Certified Mail with Return Receipt to each bureau and have not received a response or legally compliant reinvestigation or deletion. These are violations of FCRA 605B, 609 ( a ), 1681e ( b ), 1681b ( f ), XXXX XXXX Format, TILA 1026.13, and UCC 3-501.

I am now requesting CFPB enforcement to ensure immediate compliance.

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 2025-06-03 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:
To Whom It May Concern, Subject : Round 2 Dispute Demand to Update Accounts as Paid Never Late Under FCRA Sections 602, 607, 611, and 623 I am writing to formally dispute and request immediate correction of reporting errors concerning the payment history on the following accounts currently appearing on my Experian Equifax and Transunion credit report. Despite successfully resolving this issue with TransUnion and Equifax, Experian has failed to accurately update these accounts in accordance with Metro 2 standards, which mandate consistent, accurate, and complete reporting across all bureaus.

Pursuant to the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ), I demand that these accounts be updated to reflect an accurate status of Paid Never Late. The accounts in question have never been late, yet derogatory information or coding has been reported in error. Any information that can not be 100 % verified as accurate, complete, and consistent across all bureaus must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Subject : Round 2 Dispute Demand to Update Accounts as Paid Never Late Under FCRA Sections 602, 607, 611, and 623 I am writing to formally dispute and request immediate correction of reporting errors concerning the payment history on the following accounts currently appearing on my Experian Equifax and Transunion credit report. Despite successfully resolving this issue with TransUnion and Equifax, Experian has failed to accurately update these accounts in accordance with Metro 2 standards, which mandate consistent, accurate, and complete reporting across all bureaus.

Pursuant to the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 607 ( B ), 611 ( A ), and 623 ( A ) ( 1 ) ( A ), I demand that these accounts be updated to reflect an accurate status of Paid Never Late. The accounts in question have never been late, yet derogatory information or coding has been reported in error. Any information that can not be 100 % verified as accurate, complete, and consistent across all bureaus must be corrected or deleted.

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 2025-06-03 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: FL

Complaint narrative:
According to 15 usc 1681 l have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. ( XXXX account )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WEICHERT FINANCIAL SERVICES
State: PA

Complaint narrative:
I purchased a property in XXXX Pennsylvania for the amount of {$320000.00}, my down payment was {$200000.00}.. The mortgage company XXXX XXXX XXXX PA, my loan XXXX, XXXX, phone number XXXX, ordered an appraisal even after my payment of over 60 % was applied. I argued this many times, and it fell on deaf ears.I feel this is bad business practice, there was no reason to order an appraisal since I was putting down over 60 % of the value of the home. I feel that this was a fee that couldve been waived. Buying a home is very expensive these days, and any place where you can cut and trim helps a lot. To pad the bill and additional {$750.00} for an appraisal that I feel was not necessary, thats a lot of money not to mention the credit report fee of {$190.00}.. 
Is there anything that can be done to prevent this from happening to someone else, and perhaps getting a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 
Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 
If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXXXXXX, 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 2025-06-03 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: NY

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 
Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 
You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-03 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: CA

Complaint narrative:
I am disputing multiple inaccurate late payments reported on my credit report by Equifax. These late payments are falsely reported for several months in 2023, despite my records showing all payments were made on time. I have formally disputed these inaccuracies with Equifax and the creditor, but the errors remain. This misinformation is damaging my credit and causing financial harm. I am requesting a thorough investigation and immediate correction of my credit report to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I recently received my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I recently received my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX these remarks have been detrimental to my life and credit health.

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 2025-06-03 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: TX

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 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
I received an unsolicited check from Worth Financial Corp. it was in the amount of XXXX with an APR of 91.25 %. I never asked for this. If this would have been stolen or lost in the mail, it would have been disastrous. These companies should not be allowed to do business like this.

Company response to consumer: Closed with explanation