vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX a written letter disputing the alleged debt and requesting : 1. Full chain of title/assignment, 2. Verification of ownership, and 3. Confirmation whether the debt is time-barred under Maryland law . 

The debt XXXX claims to be collecting is allegedly from Capital One with a stated balance of {$1100.00}. PRAs own letter admitted the balance as of XX/XX/XXXX, which shows the debt is more than XXXX XXXX XXXX. Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX, credit card debts have a three-year statute of limitations. Therefore, the debt is time-barred and can not be sued on. 

Violations 1. Failure to Validate the Debt ( FDCPA 1692g ) PRA has not responded to my written dispute or provided any validation, chain of assignment, or proof they own the debt.

2. Attempting to Collect a Time-Barred Debt Without Proper Disclosure XXXX continues collection efforts even though the debt is time-barred and has not provided disclosures required when collecting debt past the statute of limitations.

3. Continued Credit Reporting of a Time-Barred Debt XXXX continues reporting the account to the credit bureaus without verifying accuracy, which may violate the Fair Credit Reporting Act ( FCRA ).

4. Failure to Respond to Consumer Communication XXXX failed to respond to my written request dated XX/XX/XXXX, which is required under federal law when a consumer disputes the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 ( XXXX ), Truth in Lending Act ( TILA ), and the XXXX XXXXt ( XXXX ). 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 XXXX 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 XXXX 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 ( XXXX ), 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 2025-11-15 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: CO

Complaint narrative:
This is for Capital One card. Due to 120 days past due from my husband being hospitalized due to XXXX XXXX capital one. My mom sent my payments to manually to Capital One Ive never been a prior to has been late due to my husband being hospitalized in XXXX due to XXXX. I had an unexpected in the next couple of charge off unexpressed hospitalized due to my family being sick unexpectedly health issue leading to family member death unexpectedly time into my account XXXX late charger off XXXX capital one accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My bank account was closed because a check was attempted to be cashed in my bank account and shortly after, I discovered that my account had been hacked. Ive been working with the bank to verify the fraudulent activity and clear up the situation, but the closure happened as a security measure to protect my 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 2025-11-15 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: OH

Complaint narrative:
I was a victim of predatory lending by XXXX XXXX. Their loan terms were unfair and the reporting on my credit is inaccurate. 

Under the Fair Credit Reporting Act, - 15 U.S.C. 1681 requires all credit reporting to be fair, accurate, and verified. 
- XXXX make credit bureaus and furnishers liable for reporting false or unverifiable information. 

Im requesting an immediate reinvestigation and deletion of this account if it can not be fully verified with original documentation. 


This dispute is made in good faith under my rights granted by the FCRA. Please provide confirmation and the results of your reinvestigation.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NV

Complaint narrative:
XXXX SETUP AUTOPAY BUT THE COMPANY NEVER SETUP CORRECTLY. XXXX CALL BUT DISCOVER XXXX XXXX OFFER ME REFUND XXXX BUT NEVER FIX THE PROBLEM. DISCOVER REPORT 30 OR MORE DAYS LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XX/XX/2024, I became ill from work injury, I notified the loan company Santander, they pushed XXXX. I was still out, I reported that XXXX still out of work with no source of income, offered a letter from both my employer and attorney, loan company declined. They threatened to take my car. I made some payments after borrowing money from my father. I then at XXXX point unable to make payments due to no source of income, workers comp was denied. I asked for the hardship program, was denied. I had issues logging into my account several times, which they were aware of. I told them when I enter my social security, it says no account found. They gave me a temporary password each time, but still was unable to access my account. They told me that I changed my password while on the phone with them, which I didn't. I asked them to escalate this to the XXXX Department, they said they would, but never did. I asked again for them to email, mail me an itemized bill of the payments I made, I received responses of " Ok, we will '', or " We can't ''. I told them, im not going to pay for something that until I have access to my personal account because of past Identity Theft problems. They contacted me several times a day for months. They threatened me by saying we have ways to track where your car is, no matter what, your car will be repossessed. I received letters for XXXX XXXX forgiveness, which im not in the military or never requested information. I asked them to find out who set this up, they never did. Ive asked again for a loan forgiveness or a payment arrangement, because XXXX still out of work and only receive Unemployment, any hardship programs, were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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 sending to formally dispute inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ) and related sections. Upon reviewing my report, I identified two accounts that contain incorrect information : XXXX XXXX Balance {$25.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> -REPORTING IN 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 2025-11-15 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: AZ

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED 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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates is reporting XXXX different versions of the same debt, and both versions contain false, inconsistent, and impossible information across the credit bureaus. 

XXXX XXXX ( Account # XXXX ) : Shows a Date of Last Activity of XX/XX/XXXX Reports the account as Open, even though this is a collection Shows Late 120 Days with 90 days late 25 times, which is impossible Past due amount reported as the full balance ( {$1600.00} ), which is not how collections work XXXX XXXX XXXX XXXX  XXXX Account # XXXX ) : Shows a different Date of Last Activity of XX/XX/XXXX, and another bureau says XX/XX/XXXX Reports the account as Closed on XXXX bureau and Open on another Shows a Collection/Chargeoff status even though Portfolio is not the original creditor Past due amount shows {$0.00}, but the balance is {$1600.00}, which contradicts the XXXX version These can not all be correct for the same account. The dates, statuses, and payment history are completely different across all three bureaus. 

I have disputed this several times with the credit bureaus, and each time Portfolio verified the account without fixing any of the contradictions. I do not believe a proper investigation was done because the errors are obvious and conflict with each other. 

This inaccurate and inconsistent reporting is hurting my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IN

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that require further review and verification. Under Late Closed, my XXXX  account ending in XXXX shows a balance of {$0.00}, as does my XXXX account ending in XXXX, which is inaccurate. Under Collections, my XXXX XXXX XXXX XXXX  account ending in XXXX reports a balance of {$10000.00}, and my XXXX XXXX XXXX XXXX account ending in XXXX shows a balance of {$830.00}. Additionally, the following inquiries included in dispute remain unverified : XXXX XXXX XXXX dated XXXX, and XXXX dated XXXX. These inaccuracies and unverified inquiries are negatively impacting my credit report and require prompt attention.

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 2025-11-15 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: IN

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that require further review and verification. Under Late Closed, my XXXX  account ending in XXXX shows a balance of {$0.00}, as does my XXXX account ending in XXXX, which is inaccurate. Under Collections, my XXXX XXXX XXXX XXXX  account ending in XXXX reports a balance of {$10000.00}, and my XXXX XXXX XXXX XXXX account ending in XXXX shows a balance of {$830.00}. Additionally, the following inquiries included in dispute remain unverified : XXXX XXXX XXXX dated XXXX, and XXXX dated XXXX. These inaccuracies and unverified inquiries are negatively impacting my credit report and require prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing this complaint because Capital One is reporting incorrect, outdated, and inconsistent information on my credit report. I have disputed this account several times with the credit bureaus and nothing has been corrected, even though the errors are obvious. 

The account is showing a Date of Last Activity of XX/XX/year>, but the account was Closed and marked as a charge-off long before the date it continues to update. A closed, charged-off account should not update with new delinquency activity as if it is a current, active account. 

The account is also reporting the full balance as past due, even though the account is closed and charged off. Closed charge-off accounts can not legally continue to show ongoing past due statuses. This is misleading and inaccurate. 

Capital One also reported that this account was previously in disputenow resolved. However, nothing was corrected, and the account still contains inaccurate information. This gives the impression that a proper investigation was done when it clearly was not. 

The amount reported ( {$4700.00} ) matches the past due amount, which does not make sense for a closed charge-off. Charge-offs do not have ongoing past-due balances ; they have a charge-off amount. 

Additionally, the late payment reporting is excessive and inconsistent, showing 90 days late XXXX times, which is not possible within the timeline of the accounts history. 

I have attempted multiple disputes through the credit bureaus and nothing has been updated or corrected. The account continues to harm my credit unfairly because the information is not being reported accurately or in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I am sending to formally dispute the reporting of inaccurate and unverifiable late payment accounts currently appearing on my credit report. After reviewing my records, I found several accounts reflecting late payment notations that are incorrect and do not align with my verified payment history. These entries are misleading, harm my credit standing, and appear to be the result of either a reporting or billing error. I take my financial obligations seriously and have maintained a consistent payment record, so these inaccuracies require immediate correction and reinvestigation.

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 2025-11-15 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: GA

Complaint narrative:
I am sending to formally dispute the reporting of inaccurate and unverifiable late payment accounts currently appearing on my credit report. After reviewing my records, I found several accounts reflecting late payment notations that are incorrect and do not align with my verified payment history. These entries are misleading, harm my credit standing, and appear to be the result of either a reporting or billing error. I take my financial obligations seriously and have maintained a consistent payment record, so these inaccuracies require immediate correction and reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I made a payment of {$700.00} through XXXX using the XXXX XXXX App to a seller named XXXX XXXX in XXXX XXXX, FL, who advertised a set of XXXX XXXX  golf clubs as authentic on XXXX XXXX XXXX After receiving the payment, I inspected the product more closely and discovered that the clubs were counterfeit. I confirmed this by contacting XXXX directly, who informed me that the serial number on the irons did not match their records, and the insert placement was inconsistent with authentic Titleist specifications. 

I immediately attempted to contact the seller for a refund through XXXX, but I found that the seller had removed the XXXX XXXX listing and blocked me, preventing any further communication. Given the fraudulent nature of the transaction, I reached out to both XXXX and XXXX to request a cancellation or reversal of the XXXX payment. 

However, despite my efforts, both XXXX and XXXX have been inactive in addressing my issue. I was told by XXXX that XXXX transactions are typically irreversible, but I was not provided with a satisfactory resolution or further assistance. XXXX keeps directing me to contact XXXX. After I reported the fraud to XXXX via phone call, they closed the case within a day, without conducting a thorough investigation or providing meaningful support in recovering the funds. Both parties have failed to take any meaningful action to resolve the fraud, despite the clear evidence of wrongdoing. 

Services like XXXX and XXXX XXXX offer fraud protection, but XXXX does not. There is no way for customers to assume that XXXX offers no protection, although it is now a prevalent cash-sending service in the XXXX through XXXX, XXXX of the biggest banks, especially for transactions that clearly involve fraud. 

As of now, the payment has not been refunded, and I have been left without the product and without any meaningful support from XXXX or XXXX. I am filing this complaint to seek immediate assistance in recovering the {$700.00} and to ensure that XXXX and XXXX are held accountable for their failure to provide proper support in this case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
I am submitting this complaint because my credit reports from Experian and TransUnion contain multiple inaccuracies that are misleading and harmful to my credit profile : my addresses are reported inconsistently, with XXXXXXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX in Experian, while XXXX  lists XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX, XXXX, FL XXXX XXXX none of which fully reflect my current or historical residences ; additionally, my XXXX  XXXX XXXX account shows conflicting activity dates and reporting datesExperian lists a {$130.00} balance with a Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, while TransUnion reports the same account with a Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX ; the XXXX XXXX XXXXXXXX account is also reported in TransUnion with a {$14000.00} balance, a Date of Last Activity of XX/XX/XXXX, and a Date Reported of XX/XX/XXXX, which appears to be obsolete or inaccurately reported ; these discrepancies violate my rights under FCRA 605 ( a ) Obsolete Information, 611 Consumer Dispute Rights, 623 ( a ) ( 1 ) ( A ) Reporting Accurate Information, 623 ( a ) ( 5 ) Obligation to Report Accurate DOFD, and 607 ( b ) Credit Bureaus Obligation to Maintain Accuracy, and despite previous disputes, the bureaus have not corrected these errors, leaving my credit report inconsistent, misleading, and damaging to my financial standing.

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