vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-25 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-25 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-25 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: LA

Complaint narrative:
I mailed my monthly payment on XXXX/25, due on XXXX/25. On XXXX/25 I attempted to use my credit card and it was declined. I called Capital One, and was told " we received the check XXXX/25, but we couldn't locate the date of transaction '', so they didn't cancel it, told me 'we returned it ''. I never received any notification, I never got the old check back. I made an electronic payment and now the card works again. Went to my bank today. I have a very new checking account, used a bank-issued check to make this payment. The bank discovered they made an error when printing my checks, and will issue me an apology letter, for me to give to the credit card, to excuse any late fees. Then today XXXX/25 I received an email notifying me of the declined check. So they got my check, didn't cash it, didn't say a word to me, then let me become delinquent. I could have made an electronic payment the first week of XXXX if they'd contacted me. Unacceptable. I actually did try to resolve with them ( see above ) but they didn't offer any kind of resolution other than taking the electronic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One I was a victim of fraud -- someone must have copied/cloned my chip card and while I was at work, several fraudulent transactions came in -- they were pending at the time. I was alerted because I received a text from Capital One asking me if a purchase for over {$400.00} was me or fraud... I immediately responded no and called Capital One to let them know. I flagged all the transactions that were pending that were fraudulent -- they were back to back and for the same amounts ( obvious fraud ). 

The rep on the phone told me not to worry -- but that I would have to wait until the transaction 's posted since they were still pending but that they shut down my card and issued me a new one. She also told me that since I called right away to report this, I would be fine as they have a very good fraud protection program. 

I was issued a temp for credit and that an " investigation '' would ensue once the transactions posted... I received an email about 10 days later that they were removing the credits and that my dispute was denied because a chip card was used. 

This is impossible. I had the card in my possession the entire time and I was clocked in at work. It is well known that chip cards can be cloned... The very rapid spree these folks went on with the same amount being purchased and the fact that the system flagged a purchase for fraud should be of consequence. Moreover, what investigation was done? I received a page that had a few questions ( the ones I answered on the phone ) and a line stating a " chip card used '' This is unacceptable. Capital One says they have a strong policy and XXXX liability for the consumer....? 

Moreover, you can not speak to anyone, you to have to make a rebuttal which I did, and provided proof of the text that alerted the fraud and yet nothing. 

I am now out over {$700.00}....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Credit Karma, LLC
State: MN

Complaint narrative:
I purchased a portable dishwasher from XXXX for XXXX. On XXXX XXXX 2025 I contacted XXXX because I had not received the item they said had been delivered. The customer representative apologized for the inconvenience and said someone would be in contact with me in 1-10 business days and also told me to contact my credit card Credit Karma. I filed a dispute with with Credit karma on the same day XX/XX/2025. On XX/XX/2025 Credit Karma notified me the dispute was denied. I went to file an appeal but they are just running me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Loan number XXXX Newrez XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My payment logic was changed. I have paid withdrawals from my account twice a month since XXXX held the loan. The payments are made on the second and XXXX of every month. The company has been putting the second payment toward principal instead of the monthly payment for the past few months. This is a problem I have recently had to call about repeatedly, and have the XXXX payment reversed from principal to the monthly payment. I even tried to make an extra payment myself to have the system catch up to the payment, in case time had somehow set the payment logic behind ( which it should not have ), so that my XXXX and XXXX payments are correctly set to pay the following month, but that didn't fix it either. 

My payment logic needs to be switched back to the proper setting so my XXXX of the month and the XXXX of the month properly pay the current month due payment ( ie XX/XX/XXXX + XX/XX/XXXX payments = XX/XX/XXXX payment is paid ) without me needing to call in every month for them to reverse the second payment from principal to the montly payment set up like that for decades and should not be changed because they do not like it. Unfortunately, the customer service people keep saying they are changing it. This, but it does not happen. This month, I was told the system will not allow them to change. So, someone changed it mid-loan and locked the logic so it can not be corrected. 

In addition, where I was once able to get payment information for up to a year at a time, for example, XX/XX/XXXX - XX/XX/XXXX, the company will only give me information from XX/XX/XXXX to now.

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 2025-04-25 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: FL

Complaint narrative:
Personal Information Removal Letter Subject : Demand for Immediate Removal of Inaccurate Personal Information To Whom It May Concern, This letter is a formal DEMAND under the Fair Credit Reporting Act ( FCRA ) for the immediate deletion of all incorrect and outdated personal information from my credit file. The following items MUST be removed : Misspelled names Old addresses Outdated employer information Incorrect phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -this isnt my address This outdated and incorrect data does NOT belong on my report and is potentially harming my credit standing. You are required by law to maintain accurate and verifiable records. I expect a confirmation of removal within 30 days of receipt of this notice. 
Failure to act accordingly will result in formal complaints to the CFPB, FTC, and State Attorney General. 
Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully reviewing the information tied to this account, Ive noticed several discrepancies that raise concerns. Some of the data does not appear to be mine, and there are entries that I dont recognize or recall authorizing. This includes inconsistencies in personal details, activity records that dont align with my usage, and other anomalies that suggest the account may contain mixed or inaccurate data. Given the nature and volume of these issues, I no longer have confidence that the data on file accurately reflects my information alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was scammed by the dentist office that I used to attend. They were adding balances to the card without me acknowledging. Things that they were also charging outside of the card. I stopped paying the card because I couldnt do it anymore it was too much, as well as the fees and interest continue growing as well I paid the dentist office so I still feel scammed. XXXX XXXX  doesnt stop calling me every hour every day early mornings and late nights even weekends. I feel harassed. I already tried to speak with them and settle the debt but they ignored me and continue harrasng me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I XXXX XXXX pulled all three of my Credit reports and I discovered that I am a victim of Identity theft due to the fact that I have 13 unapproved, unauthorized, unsigned for, Fraudulent Items that I was not aware of on my Credit report. So I went to the Police station and filed a Police Report and called each company. Now I am taking all of the necessary steps to make sure that all of the unauthorized accounts get removed from my Credit report file. Please send the above information to each Vendor so that they can remo
ve the item from my Credit File. I can send you a copy of the Police Report and List all of the Items that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I XXXX XXXX pulled all XXXX  of my XXXX XXXX  and I discovered that I am a victim of Identity theft due to the fact that I have XXXX unapproved, unauthorized, unsigned for, Fraudulent Items that I was not aware of on my XXXX  XXXX. So I went to the Police station and filed a Police Report and called each company. Now I am taking all of the necessary steps to make sure that all of the unauthorized accounts get removed from my XXXX XXXX XXXX 

Please send the above information to each XXXX so that they can remove the item from my XXXX XXXX. I can send you a copy of the Police Report and XXXX all of the Items that don't belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I XXXX XXXX pulled all three of my Credit reports and I discovered that I am a victim of Identity theft due to the fact that I have 13 unapproved, unauthorized, unsigned for, Fraudulent Items that I was not aware of on my Credit report. So I went to the Police station and filed a Police Report and called each company. Now I am taking all of the necessary steps to make sure that all of the unauthorized accounts get removed from my Credit report file.

Please send the above information to each Vendor so that they can remove the item from my Credit File. I can send you a copy of the Police Report and List all of the Items that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MOHELA
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXXXXXX ( MOHELA ) XXXX  and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation