vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : COAF Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$72.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$72.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 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: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT LOAN FROM MY CREDIT REPORT. 



XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In XX/XX/year>, Capital One Auto Finance sent me a written settlement offer on my auto loan ending in XXXX. The offer stated that if I paid {$10000.00} ( with a payment plan ), my account would be considered settled in full and I would not be responsible for the remaining balance. I accepted this settlement in good faith, and Capital One issued written confirmation of my payments on XX/XX/year>. 

When I first purchased the vehicle, I made a {$9000.00} down payment and continued making regular monthly payments for over a year before I fell behind. Despite later payment difficulties, Capital One still offered me the settlement as a resolution, and I relied on that written offer. 

Now Capital One is refusing to honor the settlement. They are claiming my vehicle was a total loss and are attempting to void the agreement. The settlement letter never disclosed such a condition. Instead of applying my payments toward the agreed {$10000.00}, Capital One is now trying to say I owe over {$53000.00} ( the original loan balance ). 

I have multiple emails from Capital One confirming the settlement terms and payment reminders, as well as recorded phone calls with Capital One representatives acknowledging my settlement and payments. These documents and recordings show clearly that Capital One is trying to add new conditions after the fact. 

This is unfair, misleading, and a violation of the settlement agreement I accepted. 

I am requesting that Capital One be required to : XXXX the written XX/XX/year> settlement agreement. 
Apply all payments already made toward the settlement. 
Confirm my remaining balance is only the agreed amount ( approximately {$7700.00} ) and not {$53000.00}. 
Cease any collection or reporting based on the original loan balance. 

Additional Note : Capital One is now attempting to use a total loss clause after the fact to cancel my settlement agreement. My official Settlement Arrangement Confirmation letter dated XX/XX/year> makes no mention of a total loss condition. It clearly lays out the terms of settlement for {$10000.00} with monthly payments, which I began making in good faith. 

However, on XX/XX/year>, I received a new letter from Capital One stating my settlement was cancelled because my vehicle was deemed a total loss. This contradicts the original written confirmation I received on XX/XX/year>. The total loss excuse was never part of the agreement and appears to be a post hoc attempt to void the settlement I was already performing under. 

I request the CFPB ensure Capital One honors the XX/XX/year> written settlement confirmation and stops trying to alter the terms after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: JPMORGAN CHASE & CO.

Complaint narrative:
Hello good afternoon : I made a hotel reservation on XX/XX/25 using my Chase credit card ( ending in XXXX ). 

I contacted the hotel via app & message to modify or clarify the reservation, but the hotel did not respond and ignored my messages. I never received the service ( the hotel stay ). 

I opened a dispute with Chase on XX/XX/25. On XX/XX/25, I received a notice that my dispute is being reviewed, on XX/XX/25 I receive a notice that my dispute was denied, even though I provided proof that I did not receive the service. 

Why I am filing this complaint : Chase did not properly investigate or resolve my dispute. The merchant ( hotel ) charged me without providing the service, and Chase refused to issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
As allowed under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting an immediate reinvestigation and correction or deletion of the information outlined below. 
These items are harming my creditworthiness and do not accurately reflect my credit history. 
After careful review of my report, I identified the following issues : INACCURATE ADDRESSES TO BE REMOVED : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX These addresses are not associated with me and were never my place of residence. They are inaccurately attached to my credit profile and must be deleted under FCRA 1681e ( b ), which mandates the reporting of only verifiable and accurate identifying information. 

COLLECTION ACCOUNT TO BE REMOVED : 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 XXXXXXXX : {$0.00} XXXX : XXXX : {$0.00} I do not recognize this collection account, and I believe it may be inaccurately attributed to my file. 
Please provide full documentation validating the debt, including the original account agreement, payment history, and verification of ownership. If it can not be verified, it must be deleted.

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 2025-09-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-10 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

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 explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report, this issue appears to be violation of the provisions of 15 U.S. code & 1666b and other relevant sections of the fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, especifically sections 15 U.S. code & 1681i and 15 U.S. Code & 1681s-2. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/XXXX & XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Dear CFPB, We are filing a formal complaint against Carrington Mortgage Services , LLC ( XXXX XXXX XXXX, licensed in XXXX XXXX as a mortgage servicer and collection agency ) for failure to comply with federal servicing requirements under Regulation X ( 12 C.F.R. 1024.35 & 1024.36 ).

Background Our property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX is secured by a XXXX loan currently serviced by Carrington Mortgage Services under the Movement Mortgage powered by Carrington servicing platform. 

We are in the process of completing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Carrington.

Violation of Servicing Standards On XX/XX/year>, we received an email from XXXX XXXX, Negotiator, Liquidations, Carrington Mortgage Services regarding the XXXX review. When attempting to reply directly, our responses were blocked by XXXX XXXX XXXX servers, resulting in undeliverable notices. 

We immediately contacted Carrington by phone, and a company representative confirmed that this is how Carrington does business. This statement demonstrates that Carrington intentionally prevents direct email correspondence with its borrowers.

Legal Basis for Complaint Under 12 C.F.R. 1024.35 & 1024.36 ( Regulation X / RESPA ), mortgage servicers are required to : Maintain reasonable communication policies and procedures with borrowers. 

Ensure borrower inquiries and responses are acknowledged and answered through accessible means. 

Refrain from obstructing communication channels in a way that creates borrower disadvantage.

Carringtons deliberate blocking of email responses and refusal to accept written borrower correspondence constitutes a direct violation of Regulation X and CFPB servicing standards. 

Evidence Multiple undeliverable response emails from XXXX XXXX, proving blocked correspondence.

Phone call record with Carringtons representative acknowledging this is standard business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: MO

Complaint narrative:
On XXXX XXXX, I rec 'd a letter from the IRS stating that a 3rd party reported income of {$22000.00} to my SSN for the tax year of XXXX and that I owe back taxes of {$8800.00}. This 3rd party is Block , Inc.F/K/A Square , Inc XXXX In this letter, they listed account information including a possible account number of XXXX, XXXX XXXX, form XXXX At that time, I requested an extension to investigate this matter further. My main concern was that I have never opened or had an account through any of these companies. Through phone conversations and email, I contacted Square and they found a CASH APP account under the details I had given them. A cash number on the Square side is XXXX. On XXXX XXXX, the tax team from Square verified that they had found an account with Cash App related to my information given. AGAIN... I have never opened or had an account related to me through Square, Block, or Cash App. This has been relayed many many times to all of these companies. On XX/XX/XXXX, another email was rec 'd stating there was evidence consistent with identity theft concerning a Cash App account. At that time, the offending account was closed. Plus a corrected XXXX form was issued to reflect {$0.00} and submitted to the IRS. In this same email, I was given a link to open and copy the corrected XXXX form for my records. Unfortunately, I failed to open the link. Needless to say, the link expired just days later. This all being said, I thought this was closed and everything was good with the IRS. To my suprise, IT IS NOT!! Fast forward to the present. I have tried, unsuccessfully, to have this link reopened or even just to send the corrected XXXX form. Cash App continues to make this request impossible. Every time I think I'm getting closer to this request, it backfires with them saying to use my account information to retrieve this request. I have no account information because this is fraud. A police report has been filed. I am now on another deadline of XX/XX/XXXX, with the IRS. I don't know why this company can not give me this information. I have spoken again with the IRS and they say they have not rec 'd the corrected XXXX but in the same breath, she mentioned they were backlogged. If possible, I desperately need assistance in obtaining this vital form.

Company response to consumer: Closed with explanation