vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one reports a XXXX XXXX XXXX closed collections debt in error. This account should be deleted off of my credit report due to it being older than XXXX years and still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am not sure when this account was opened. All I could see on my credit report was it was opened the year of 2023. 
Ive been disputing this debt for years since then. I recently found out they opened a lawsuit and subpoenaed someone with my name apparently but it wasnt me and the address on file is not mine! Ive already made a police report and made an account with identity theft. Gov yet this keeps getting reported as accurate debt. I am speaking to a lawyer if this can not get removed from my credit and off my report as Ive already sent necessary documents I plan to take this debt collection agency to court for falsely reporting information not accurate to me on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: DC

Complaint narrative:
I am filing a complaint against Experian for inaccurately reporting late payments on my XXXX XXXXXXXX account. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers of credit information are required to ensure the accuracy of the data they report. Despite this legal obligation, Experian has reported late payments that I believe to be incorrect as I have made payments to this account, yet they have not been updated on my credit report. 

I have attempted to resolve this matter with Experian but have not received a satisfactory response.

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 2025-02-22 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: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/year>, XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :

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 2025-02-22 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint against Capital One Financial Corporation regarding their inadequate fraud protection and customer service concerning a disputed transaction on my account. 

On [ date of transaction or dispute ], I was charged for a Soft Sensitive Teeth Protection risk-free trial product, which resulted in the following charges : Subtotal : {$120.00} Taxes : {$11.00} Total : {$130.00} USD Despite my efforts to report this issue and seek assistance from Capital Ones fraud department, I have not received a satisfactory resolution. I believe that Capital Ones failure to properly investigate and remedy this unauthorized or misleading charge has caused me financial harm and unnecessary inconvenience. 

I have attempted to resolve this matter directly with Capital One through their customer service channels, but my concerns have not been adequately addressed. I respectfully request that your office review my case and take appropriate action to help protect consumers from such deficiencies in fraud protection and customer service practices. 

Enclosed with this letter are copies of relevant documentation, including transaction details, correspondence with Capital One, and any other supporting materials. 

Thank you for your attention to this matter. I look forward to your response and guidance on how to proceed further. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information. 

Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
I have disputed 2 collection accounts with XXXX with Transunion and Equifax only to be ignored. Transunion and Equifax failed to properly investigate my disputes. Transunion removed the collection accounts only to reinsert them 2 weeks later. I have no signed agreements with XXXXXXXX XXXX  what so ever. I asked the company to provide the contract and or a forward flow agreement which they could not. As a consumer Transunion and Equifax has failed as they are reporting inaccurate, incomplete and untrue information on my credit report. This is a violation of the FCRA guidelines. I have attached my identification and a copy of a utility bill as Transunion and Equifax trys to use that as a loophole to not view my claims as valid.

Experian has found my claims to be valid and has removed these accounts entirely from my credit report and I expect Transunion to follow suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has no complains system. The only way os over the phone and there is no record of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately XXXX % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on XXXX  scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
I am filing a formal complaint against Equifax for failing to conduct a proper investigation into my credit dispute. Despite my legitimate concerns regarding inaccurate information on my credit report, Equifax has dismissed my dispute as " frivolous '' without ever conducting a real investigation. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Equifax 's failure to investigate my dispute from the beginning is a violation of my rights. I am now formally demanding that the accounts listed in the letters sent to Equifax be deleted or conduct a proper investigation into this matter and provide me with a detailed response, including any supporting documentation you used to verify the disputed information. Since Equifax has continued to disregard my dispute without conducting a legitimate investigation, I am forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action. I strongly disagree with this determination, as my dispute is legitimate and was never properly investigated in the first place. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an actual and thorough investigation into any inaccurate or incomplete information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15C USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the collection accounts listed under The Bureau and XXXX XXXX XXXX. This dispute is based on the following violations : Failure to Provide Notice of My Right to Dispute Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide a written notice of my right to dispute the debt within five days of initial communication. Neither The Bureau nor XXXX XXXX XXXX provided me with this legally required notice, which is a direct violation of my rights under federal law. 

Unlicensed Collection Activity in Florida According to Florida Statutes 559.553, all collection agencies must be licensed to collect debts in the state of Florida. After researching both The Bureau and XXXX XXXX XXXX, I found that neither company is registered or licensed to operate in Florida. Since they are engaging in unlawful debt collection practices, these accounts should not be legally reported on my credit file. 

I have attached evidence, including screenshots confirming that both The Bureau and XXXX XXXX XXXX are not licensed in Florida, as well as records showing their failure to provide written notification of my right to dispute the debt. 

Given these violations, I am requesting the immediate removal of these accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires credit bureaus to correct or delete inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Validation and Cease-and-Desist Request. 
Account # XXXX Dear XXXX I am writing to formally dispute the alleged debt associated with the account number! 
XXXX that you claim is mine. 

I previously requested validation of this debt, but the information you provided does not suffice as proper validation under 15 USC 1692g ( a ). You have not provided adequate proof that this debt is tied to me, and you have failed to meet your obligation to validate and accurately report this information.

Furthermore, the information you are reporting regarding this account is severely inaccurate and conflicting across all three credit reporting agencies. It is your legal responsibilitynot mineto ensure that all information reported is accurate, verifiable, and consistent. I can not and will not validate this information for you. 

To clarify, this alleged debt should not be reported at all unless it is properly validated. Therefore, I demand the following : XXXX. Proof that your company retains ownership rights to this account, including documentation showing how and when the debt was acquired through a transfer of ownership or assignment.

2. A detailed explanation for the discrepancies in how this debt is reported across the three major credit 3. A complete and itemized breakdown of the debt, including the original balance, any intere payments, and credits, as well as the current balance.

4. A copy of any assignment or transfer agreement from the original creditor to your company my name and original account number. 
5. Documentation detailing how you verified and validated the alleged debt, including the Proof and the supporting records.

This letter serves as formal notification that I expect the immediate removal of this collection from my credit report and the cessation of all collection activities. Should [ XXXX ] fail to comply, I will escalate this matter further by pursuing all available legal remedies and filing complaints with the CFPB, the Federal Trade Commission, and my states attorney general. 
I demand that the CFPB take swift action in investigating this matter and ensure that my rights under the FDCPA are fully upheld. Please provide me with confirmation that this complaint has been received and is being reviewed. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AZ

Complaint narrative:
I've called Capital One about 8 times already, I have been transferred, hung up on and NO body resolves the unauthorized charges. XXXX keeps charging my credit card for unauthorized charges. I last used XXXX in XX/XX/XXXX on vacation because we didn't have any other option. I spoke to a supervisor at Capital One named XXXX in Virginia on XX/XX/XXXX employee number XXXX, he said XXXX was charging the virtual card and he deleted and blocked the merchant. Today XX/XX/XXXX ALL 22 unauthorized transactions totaling {$280.00} were charged back to my account. How do I get credit for unauthorized charges? I've attached both statements of the adjustment and the charges that were put back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
Due to a data breach with all 3 credit bureaus. Errors on the data that is being reported to all three credit bureaus. All charge offs, closed accounts, bankruptcy information, late payments, hard inquiries, soft inquires

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 2025-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX  has froze my account with a large sum of money and refuses to help get it unfroze their is NO customer service to speak to about the matter and just sends the same dead end email over and over i am at my wits end with this and have things i need to pay that i am unable to I am literally going to be HOMELESS because XXXX  just decided i broke a rule which i did not but i cant even speak my side of the story because of them having the worst automated system ive ever seen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: SC

Complaint narrative:
On XX/XX/year> I called equifax to have them remove dispute for XXXX XXXX and XXXX XXXX  from my credit report as it was keeping me from getting a mortgage approval. When I spoke to the customer service rep he said it would not affect my credit score however, the next day XX/XX/year>, my score went down XXXX. I called equifax immediately and asked them why this happened but was not given a reasonable explanation. I spoke with 3 people, the 2nd was a supervisor and he told me there was no reason, it just happened. No reason! Finally, after getting very upset, I pulled my report up online and saw that the 2 debts I wanted the disputes removed from were re-reported as if they were brand new. I called back and the rep couldnt verify my identity, which was strange because my identity had been verified over and over throughout this process.

Company response to consumer: Closed with non-monetary relief