vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have XXXX hard inquiries from Capital One that are over a year old, but have not fallen off of my credit report. I would like to have these hard inquiries removed. XXXX is from XX/XX/year> and the other is from XX/XX/year> I also have a hard inquiry from XXXX from back in XX/XX/year> that has not fallen off my credit report yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One has an issue mailing me things. I have asked them to stop on 3 separate occasions. They told me wait 45 days. Its been about 4 months since the first call and i am still receiving their junk mail. I have never had an account with them and likely wont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-04-27 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: NC

Complaint narrative:
I have a number of disputes with experian from 2022. Every time I would dispute an account it comes back VERIFIED. I know this credit bureau didn't properly investigate the accounts disputed which is why this would be my last time disputing the accounts in question that no other credit bureau is reporting on my credit report. This has been happening and its time for them to be exposed with their fake investigation and generic " VERIFIED " that is done by a computer and not with the merchants themselves. 

They have totally violated my rights as a consumer and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2025, I received an email notification stating that my Capital One Shopping account had been terminated. I immediately attempted to reach out to customer service to understand and remediate the issue. However, the only communication I received simply reiterated that my account was terminated, without providing any explanation or basis for this decision. 

I also attempted to review its terms and conditions and privacy policy. However, I was unable to open the given link on the website. 

I find this action to be unjust and lacking in transparency. As a customer, I believe I am entitled to a clear explanation regarding the termination of my account. Therefore, I am formally requesting a detailed clarification of the reasons behind this decision and a review of my case. 

I hope to resolve this matter amicably and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
Back on XX/XX/year>, I purchased a pair of jeans from a company called XXXX XXXX. I received the merchandise, but the pants were damaged. I contacted XXXX XXXX, but it was tough to get hold of them. I finally got in contact with them via email. Every time someone replied, they changed their saying. I never got a concrete answer from them. I wanted to return the pants, but the company wanted me to pay a lot for shipping when they should have been the ones who paid shipping due to the condition in which I received the item. Their XXXX page claims they are a company based in XXXX. That's a lie. They wanted me to ship the item back to XXXX. This is an unlawful business, which makes it a federal crime. I bought the pants using my Apple credit card. I tried contacting Apple Credit multiple times about the problem. The dispute case number is XXXX. I provided all the necessary documentation for the chargeback, but each time Apple denied it. I told them about the situation, but they ignored it. I told Apple Credit about the unlawful business, XXXX XXXX was doing, but I guess they support those kinds of businesses, instead of supporting loyal credit customers. I tried multiple times to fix this problem with Apple, but it always led to them not approving my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( XXXX XXXX XXXX, Account # XXXX ) Under the Fair Credit Reporting Act ( FCRA 611 ) and California Consumer Credit Reporting Agencies Act ( CCRAA ), I demand deletion of the following inaccurate information : Violations Requiring Deletion : Fraudulent " Past Due '' Balance The account is marked " Charged Off '' but reports a {$5300.00} " past due '' balance ( updated Apr 2025 ).

FCRA 623 ( a ) ( 5 ) : Charged-off debts can not be reported as active obligations.

Fabricated Payment History The p
ayment timeline shows conflicting statuses ( " ND '' in 2021 vs. " 180 '' in 2020 ).

FCRA 607 ( b ) : Data must be verifiable and consistent.

No Legal Basis for Post-Repossession Balance XXXX XXXX XXXX failed to provide : Repossession sale documents. 

Calculation of the {$5300.00} deficiency. 
No Accounting for the sale of the Post-Repossession Balance XXXX XXXX XXXX  is still collecting for the original balance after repossession.

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 2025-04-27 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: FL

Complaint narrative:
Subject : Immediate Action Required : Dispute Over Experian Data Breach Consequences To Whom It May Concern, I'm compelled to write this letter because I'm fed up with Experian 's reckless mishandling of my personal information during the notorious data breach. Your negligence has harmed my credit standing, and frankly, it's unacceptable. 

Affected Account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX This is a call to action. Experian needs to own up and remedy the chaos it has unleashed on my financial life. I demand the immediate elimination of all false and derogatory marks on my credit report that were investigated by fraudulent acts from your breach. 

Here 's what I expectno excuses, no delays : XXXX. Launch a thorough investigation without wasting time and provide me with a comprehensive report of each action you're taking.

2. Immediate removal and correction of every single piece of false information on my credit file.

3. Quick and clear communication about all updates made to my credit reportno more waiting and wondering.

Attached here are documents that underscore my case : - A copy of my ID, bill - Additional documentation, such as affidavit, etc.

This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for Experian to investigate and resolve my dispute within a 30-day window. This isn't a suggestionit 's your obligation.

Should you fail to promptly rectify this situation, I am fully prepared to take legal action and pursue compensation for the distress and damages incurred by Experian 's failure. 

Expecting your reply soon with a detailed plan of action. 

This matter is pressing, and I trust you'll treat it with the gravity it deserves. 

Sincerely,

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 2025-04-27 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: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX * * * * Balance : {$6800.00} & TRUIST Date of Inquiry XX/XX/year>

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 2025-04-28 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-27 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: CA

Complaint narrative:
I disputed debt settlements on my report, they claimed it was removed but it is still showing on my 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 non-monetary relief
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
BBB was previously contacted as early as XXXX XXXX. 
CC bill is only XXXX cycles behind. {$90.00} over the XXXX limit. Capital one will not cease relentless and intolerant calls at all times of the day even after repeat contact attempts to XXXX  to rectify hours and clarify. They send XXXX push or email notifications per day, in the app I had to uninstall it because it was sending me nonstop reminders about being late. When I did they would send me XXXX emails per day on top of the calls. 
Today XX/XX/XXXX XXXX Capital One XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX illegal contact XX/XX/XXXX XXXX + XXXX emails + phone reminder XX/XX/XXXX XXXX + email XXXX XXXX XXXX  and XXXX + email XXXX XXXX XXXX  and XXXX XXXX illegal contact XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX + email + phone push notif XXXX XXXX XXXX XXXX XXXX illegal contact XX/XX/XXXX XXXX + email XXXX XX/XX/XXXX XXXX These are all taken from my phones call logs when searching their XXXX number. The number used to call me often was XXXX over XXXX in the last XXXX weeks. 
This is all in relation to a missed bill cycle for XXXX that has barely gone past the XXXX day mark, prior to this I was making most of my payments and was never late typically. My car broke down and I was laid off as a result. I informed them of this and they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Item is listed on my credit report, XXXX is not the original creditor and no notifications have been recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time and paid of all full and all acount close long time already. The consumer reporting agencies need to report all information with complete accuracy. I'm now requesting you investigate this account and update these payments to paid on time And update account good standing immediately. Thank you for your understanding.

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 2025-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc.
State: SC

Complaint narrative:
In XXXX, during a period of financial and emotional distress due to job loss, I applied for a forbearance program through Essex Mortgage. I was subsequently placed on what I believed was a XXXX, interest-free partial claim relief program. 

This understanding was based on conversations with Essex Mortgage representatives and XXXX materials XXXX which describe the partial claim as a 0 % interest, no monthly payment, no fee program. I was explicitly told that the amount would be added to the back of my mortgage not that a separate XXXX would be created. 

While under contract to sell my home in early XXXX, my title company discovered a {$27000.00} XXXX  XXXX XXXX XXXX that I had never been properly informed about. Prior to this, I raised questions about any lingering obligations and was reassured there were none. I immediately contacted Essex Mortgage for explanations. 

On XX/XX/XXXX, I issued a formal escalation letter demanding clarity, citing TILA, RESPA, and FTC Act violations. Essex Mortgage responded on XX/XX/XXXX, but failed to resolve the concerns. Their explanation was vague, confusing, and contradictory. 

Key issues : Over {$12000.00} in undisclosed interest was included in the lien, despite advertising the partial claim as " interest-free. '' I was misled about the XXXX structure ; I was told it would simply extend the mortgage balance. 

A {$6800.00} escrow shortage was added without proper explanation or documentation. 

I was unemployed and vulnerable when signing and relied on XXXX representations. 

Due to their actions, I was forced to take out {$28000.00} in personal loans under extreme duress to close my home sale ( XXXX loan funded XX/XX/XXXX ; XXXX XXXX funded XX/XX/XXXX ). This caused severe financial strain, emotional distress, and negatively impacted my credit score, which I can document. 

Additionally, my Realtor 's team confirmed internally that this situation was highly irregular, underscoring the abnormality of XXXX actions. 

I am requesting a full investigation into XXXX XXXX handling of XXXX  Partial Claims, financial relief for damages, and enhanced regulatory oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
I requested Debt validation and got no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Unauthorized Credit Inquiry Dear Sir / Madam, I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. 
HUNTER WARFIELD - XXXX XXXX XXXX  - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via certified mail as it requires your prompt attention and response. Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : * * Request for Clarification on Credit Boost Reporting Dear Consumer Financial Services Team, I hope this message finds you well. I am writing to address an issue regarding my account, [ Account NumbeXXXX : XXXX. Despite signing up for the XXXX XXXX program twice, my consistent payment history has not been reflected on my credit report. 

For over XXXX years, I have been regularly paying my electric bills, XXXX, water bill XXXX XXXX along with other accounts such as XXXX account XXXX, XXXX, XXXX and XXXX These payments should qualify for reporting through the XXXX  XXXX program. However, it seems that they have not been included in my credit file. 

Could you kindly provide clarification as to why these payments are not being reported? I have taken great care to ensure timely payments and would appreciate your assistance in resolving this matter promptly. 

Thank you for your attention, and I look forward to your response. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation