vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been disputing this Capital One tradeline for over a year. On XX/XX/XXXX and XX/XX/XXXX, I mailed certified debt validation and dispute requests to Capital One at their XXXX XXXX XXXX address. They received my letters but never provided any validation or documentation supporting the alleged debt. 

Despite their failure to validate, Capital One continues reporting this account as a charge-off with a {$5300.00} balance, and with remarks such as Account Previously in Dispute Now Resolved Reported by Subscriber. 

On XX/XX/XXXX, Capital One responded only by confirming that they will continue reporting and that the account was charged off on XX/XX/XXXX. They provided no signed agreement, no payment history, and no proof of validation as required under 15 U.S.C. 1692g ( b ) ( FDCPA ). Their continued reporting without verification violates the FCRA, including : 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverifiable information, 1681s-2 ( a ) ( 3 ) failing to properly flag the account as disputed, and 1681e ( b ) failure to ensure maximum possible accuracy. 

Capital Ones own correspondence shows they are continuing to report without validation, which is deceptive and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : There are no charged-off accounts listed for Experian in this case. 

Inquiries : XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) Dispute : This inquiry was made without my consent. I request that it be removed from my credit report. 

XXXX XXXX XXXX XXXX ( Date : XX/XX/year> ) Dispute : This inquiry is unauthorized. Please investigate and remove it 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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of a goodwill adjustment request. My credit score dropped XXXX points overnight from exceptional ( around XXXX ) to good due to a single late payment reported on my Capital One credit card. 

This occurred because I rarely use the card and forgot about a small {$19.00} purchase my wife made in XX/XX/XXXX. The account has been in good standing since I opened it in XXXX, and I have never missed a payment prior to this one instance. 

I want to make it clear that I am not disputing the charge and I understand Capital One reported the payment accurately. The purchase was valid and has been paid in full. My concern is with the severe credit impact from a single oversight on such a small amount, after years of consistent on-time payments and responsible account management. 

I immediately made the payment as soon as I became aware of it and reached out to Capital One to request a goodwill adjustment. Unfortunately, my request was denied without consideration of my perfect five-year payment history and overall positive relationship with the company. 

I am asking the CFPB to review this matter and request that Capital One reconsider their decision. A single overlooked payment on a {$19.00} balance should not outweigh years of responsible credit behavior. I am seeking removal of the late mark as a goodwill adjustment, or at minimum, a detailed written explanation from Capital One regarding their refusal to assist. 

Dates : XX/XX/XXXX ( missed payment ) ; [ insert date you contacted Capital One ]. 
Amount : {$19.00}. 

Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Over the past XXXX months, my Navy Federal account has been flagged for fraud or locked a total of XXXX times despite no change in my behavior, devices, or location. I continue to log in using the same browser, computer, phone, Wi-Fi network, and home address. 

Each time this occurs : My transactions are declined and XXXX transfers are cancelled My credit card limit is reduced from {$36000.00} to {$0.00} Scheduled payments are cancelled automatically, leading to late fees and account disruptions I must spend XXXX minutes or more on the phone with customer service to restore access Navy Federal representatives have repeatedly stated that these restrictions are caused by a new fraud detection system. However, this system appears to be malfunctioning or misapplied in my case, since there is no evidence of fraudulent activity on my account. 

Impact These repeated account holds and credit limit reductions have caused : Financial hardship due to cancelled payments and missed due dates Credit risk from sudden reduction in available credit Severe emotional distress from being repeatedly denied access to my funds Reputational and trust damage with vendors and payees I have contacted Navy Federal multiple times to resolve this issue directly, but the problem continues to occur. Each time, I am told only that it is part of the fraud detection system. 

These repeated errors constitute unfair and negligent handling of my consumer account. I am seeking assistance and accountability through this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX XXXXXXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/year> with a balance of {$0.00}. I request that this account be reviewed and corrected for any inaccuracies in its reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-31 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: OH

Complaint narrative:
I am kindly requesting a thorough review of the following accounts and inquiries appearing on my credit file. I am simply trying to clean up and fix my credit, and I have found what appears to be duplicated, outdated, or inaccurate information. 

The accounts in dispute are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: SC

Complaint narrative:
At the conception of the new Loan, the maturity date for the payoff on the loan was XX/XX/2026 payments were made in excess which accelerated the payments. The current payoff is in XX/XX/XXXX XXXX months sooner than the actual payoff date. Loan was paid ahead. It should not be reported as a XXXX or XXXX  day past due. Requesting report to be corrected and Lights removed from our bureaus due to the account being paid in advance XXXX months prior to the actual payoff.

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 2025-10-31 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because my credit report contains several serious inaccuracies that have not been properly investigated or corrected by the credit reporting agencies. These errors are damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). 
Wrong Addresses ( Not Mine ) Please remove the following addresses from my credit file as they are completely inaccurate and have no connection to me : XXXX XXXX XXXX, XXXX, CA XXXX These addresses are not associated with me in any way. I have never lived or received mail at these locations. 
Inaccurate Account Reporting XXXX XXXX XXXXXXXX Account # XXXX Open Date : XX/XX/XXXX | High Credit : {$1400.00} | Status : Charge-Off This account is being inaccurately reported as a charge-off. I have no knowledge of this account and have never been notified or provided verification of such debt. Please conduct a thorough investigation and remove this account from my credit report if the furnisher can not provide complete validation, including signed documentation linking me to this debt. 
Unauthorized Inquiries The following hard inquiries appear on my report without my authorization or consent. Please remove them immediately as they violate FCRA 604 ( a ) ( 2 ) regarding permissible purposes : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX I did not apply for credit with any of these entities, nor did I authorize these inquiries. Please delete all listed inquiries immediately. 
Requested Resolution I am asking the CFPB to investigate and ensure that : 1. All wrong addresses are permanently deleted from my credit file.

2. The XXXX XXXX XXXXXXXX charge-off account is either fully verified with legal documentation or removed if unverifiable. 
3. All unauthorized inquiries listed above are deleted from my credit reports across all credit bureaus.

4. The credit reporting agencies confirm compliance with FCRA accuracy and reinvestigation standards. 
Supporting Information My full name : [ Your Full Name ] Date of Birth : [ MM/DD/YYYY ] SSN ( Last 4 ) : [ XXXX ] Current Address : [ Your Current Mailing Address ] I am submitting this complaint because my previous disputes with the credit bureaus did not result in proper investigation or correction. I am requesting CFPB oversight to ensure full compliance and protection of my consumer rights. 
Thank you for your assistance and attention to 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-31 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-10-31 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-31 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal factual dispute and complaint against Equifax regarding XXXX XXXX XXXX  accounts that are being falsely reported as charge-offs. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Both accounts are being reported as charge-offs on my Equifax credit file, but these accounts are not mine. I have no knowledge, no contractual relationship, and no authorization related to XXXX XXXX for either account. This is a clear case of mixed-file or identity contamination, which has caused severe harm to my credit and reputation.

First, under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy in consumer reports. Reporting XXXX separate charge-off accounts that do not belong to me is a direct violation of this federal requirement. The data being reported is false, unverifiable, and inconsistent with factual accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-31 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: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to LVNV Funding LLC. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect LVNV Funding LLC to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to LVNV Funding LLC.

Company response to consumer: Closed with non-monetary relief