vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I contacted Capital One regarding a hardship or settlement option for my XXXX XXXX XXXX credit card ( Account ending in XXXX ). A representative informed me that I qualified for a reduced payment and settlement offer and that paperwork would be sent by mail. 

In XX/XX/XXXX, I followed up by phone. Another representative confirmed that the request was still being processed and accepted a payment from me as part of the settlement initiation process. I continued to receive emails from Capital One inviting me to select an offer, which indicated that my account was still under active review. During another phone call in XX/XX/XXXX, a representative acknowledged the continuing activity on my file. 

By XX/XX/XXXX, I had still received no written confirmation of the promised offer, and I was unable to reach a live agent by phone despite multiple attempts. As a result, I sent a formal written complaint and request for a written settlement offer by certified mail in XX/XX/XXXX. 

After receiving no response, I sent a second certified letter on XX/XX/XXXX to : Capital One Collections Department XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX This letter included : My identifying information Account number ending in XXXX Case number XXXX A summary of all previous communications A request for a written settlement offer A formal XXXX opt-out request Capital One responded only by mail stating they could not fulfill " my '' request through written correspondence and referred me to call XXXX. However, the automated system does not allow me to further connect me to a live agent and no account is active with Capital One, and I have not been able to resolve the issue. I was later informed that my account was sold without prior written notice, closure of the open case, or a response to the settlement terms that were repeatedly discussed. 

I believe this mishandling violates : The Fair Debt Collection Practices Act ( FDCPA ) Californias Rosenthal Fair Debt Collection Practices Act My rights under the California Consumer Privacy Act ( CCPA ) and CPRA I am seeking : A written copy of the settlement offer discussed Confirmation of my account status and any transfer details Written assurance that my personal data has not been sold or shared without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: FL

Complaint narrative:
I am filing this complaint against Checkr , Inc. for accessing, storing, or distributing my personal dataincluding Social Security number, date of birth, or background informationwithout my knowledge, consent, or any lawful authorization.

I have no known relationship with Checkr or any of its clients. I did not submit an application, sign a consent form, or authorize any background check through this company. I only learned of Checkr 's involvement through third-party disclosures, raising serious concerns about identity misuse and unauthorized reporting.

Checkrs possession of any information related to my identity constitutes a clea
r violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b No permissible purpose or consumer authorization exists.

15 U.S.C. 1681e ( a ) No procedures were followed to verify legal access.

15 U.S.C. 1681g I was never notified of any file, nor provided disclosure of any records generated.

I submitted a formal demand for deletion, full disclosure, and a permanent opt-out. Checkr has not provided a legal justification or shown compliance. I now seek regulatory assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are inquires on my credt reports : ( i.e., XXXX XXXX and Equifax ) for items that I did NOT beseech. 
I have tried passel times to have it removed via disputes with the credit reporting agencies to no avail. Thus this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account XXXX : [ XXXX ]

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX there were several unauthorized transactions made on my PayPal account. XX/XX/XXXX a transaction or transfer in the amount of {$860.00} was made, another transaction in the amount of {$23.00} was also made and on XXXX XXXX a transaction was made in the amount of {$21.00}. The transaction made in the amount of {$860.00} was completed using a XXXX debit card ending in XXXX let be very clear I do not have or own this XXXX debit card!! I have never added this card to my PayPal account. The other transactions were made to XXXX for {$23.00} and {$21.00}. XXXX told me they never charged my card for these transactions yet they showed up in my PayPal transaction history. I have spoken to PayPal regarding these transactions, the response i got from PayPal is these transactions were authorized by me because they saw no inconsistencies. I vehemently disagree with PayPal because as I stated I do not own and I have never owned any XXXX debit card with the number ending in XXXX. There is no way I could have linked or added this card to my PayPal account since I do not have it!! Plus why would I report it to PayPal if I was the one who made these transactions, it makes no sense, I would already have the money. What i think may have happened was someone made it appear as though it was me who made these transactions and transfers without raising Suspicion with PayPal

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

Complaint narrative:
My name is XXXX XXXX XXXX and I am formally disputing several accounts and charge-offs reported on my credit file that are a direct result of identity theft and misconduct by an educational institution. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as relevant provisions under the Higher Education Act and U.S. Department of Education regulations regarding student loans. XXXX XXXX and XXXX, multiple credit card accounts were opened in my name without my consent or knowledge. These unauthorized accounts are a result of identity theft. I never applied for, authorized, or used these credit lines. I am asserting my rights under, FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires credit bureaus to block and remove information resulting from identity theft, FCRA 604 ( a ) ( 2 ), prohibiting credit pulls without my express written consent, FCRA 611 ( 15 U.S.C. 1681i ), which mandates a reasonable investigation upon dispute. Additionally, I am disputing a student loan that was fraudulently taken out in my name by a for-profit institution I had applied to. I was never provided any educational services, nor did I attend, participate, or consent to loan disbursement. This school has since declared bankruptcy and was found to have laundered federal student loan funds. 
Under the Higher Education Act, and specifically per guidance from the U.S. Department of Education, a borrower has the right to borrower defense to repayment when a school misrepresents the educational services or engages in misconduct. Under FCRA 611, I am disputing the accuracy and completeness of the following charge-offs, closed accounts, collections and student loans that are now reflecting inaccurately due to identity theft and fraudulent activity : 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 non-monetary relief
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-07 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-07-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Commercial Credit Counseling Services Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I hired XXXX XXXX XXXX for debt restructuring services and began making payments. Over a two-year period, I paid them a total of {$8600.00}. 

In return, they were supposed to contact my creditors, negotiate settlements, and help restructure my debt. However, I later found out and have written confirmations that multiple creditors were never contacted at all. 

Their representative, XXXX XXXX XXXX, stated in our emails that their attorneys would be contacting my creditors. That never happened. I was left to deal with ongoing creditor calls and financial stress while the company held my money. 

In XX/XX/XXXX, I formally requested a refund of {$7600.00} due to their failure to deliver services. They denied the refund and instead claimed I owed them over {$20000.00} despite providing no substantial services. They threatened arbitration as a pressure tactic rather than addressing my valid complaints. 

I believe they misrepresented their services and violated consumer protections. I am requesting that the FTC review their practices and hold them accountable.

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

Complaint narrative:
I submitted documents to have fraudulent information deleted from my credit report ON XX/XX/year>. It has been more than 30 days and the CRA 's have been non compliant and willfully violate consumer laws and rights. 

To date, THE CRA 'S have failed to respond adequately and lawfully. You are required to conduct a reasonable investigation and delete or correct any unverifiable, inaccurate, or outdated information. 

Despite my legal request, you have continued to report inaccurate information in violation of the above statutes. This is not only negligent but a willful failure to comply with federal law. I provided evidence supporting my dispute that my information was in several data breaches. 

You Are Now On Notice I now demand that you immediately : Reinvestigate or delete the following accounts from my credit file : [ List each account you're disputing by name, creditor, and account number ( partial is okay ) ] Provide documentation validating that each account listed was : Reported with my written authorization ( 1681b ), Verified with the original creditor under FCRA 623, and Not a result of identity theft, if applicable ( 1681c-1 and 1681c-2 ). 

Failure to Comply Will Result in Legal Action If you do not comply within 15 days of receipt of this letter, I will have no choice but to take further action which may include : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General Seeking relief through civil litigation for damages under 15 U.S.C. 1681n and 1681o You have had more than sufficient time to correct these violations. I expect full compliance now. 

Sincerely, XXXX XXXX MY NAME AND ADDRESS SHOULD ONLY SHOW 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 non-monetary relief