vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I contacted Capital One on XX/XX/year>, to reopen a previously denied chargeback dispute regarding an {$690.00} charge. I promptly resubmitted all requested documentation and was told I would receive a follow-up by XX/XX/XXXX. No response came. 

I followed up on XX/XX/XXXX. The first representative said that my case was " under review '' and no temporary re-credit would be issued. I requested escalation. He refused to transfer me, saying a supervisor would say the same thing. After insisting, I was eventually transferred. 

The supervisor ( employee ID XXXX ) denied the temporary re-credit based on internal policy, contradicting FCBA and Regulation Z, which requires disputed amounts to be removed during active review. When I cited federal laws, she repeatedly stated that Capital One was not in violation and refused to provide any written explanation of her decision or my case status. The supervisor stated the case was reopened, but also said it was not yet under review, which is contradictory. 

Capital One refused to provide : - Refused to escalate and talk to a supervisor initially. 
- Temporarily re-credit of the {$690.00} while the dispute remains under review. 
- A written explanation of the temporary re-credit denial and any part of the conversation, including status, policy rational, or next steps. 
- Confirmation that my escalation and all communications are properly documented. 
- Access to all correspondence and internal notes tied to my dispute. 

As someone who develops designation programs and curriculum for federal compliance training at XXXX XXXX XXXX, I am familiar with the application of consumer protection laws. Based on my understanding, Capital Ones actions appear to violate both the Fair Credit Billing Act and Regulation Z. 

I respectfully request the CFPBs intervention to ensure a lawful, timely, and transparent resolution, including proper documentation, fair review, and temporary removal of the disputed charge while the case is under investigation. Your oversight is essential in holding institutions accountable and protecting consumer rights. Thank you for your attention and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Subject : Request for Validation and XXXX XXXX XXXX XXXX Transunion Account Number : XXXX, Equifax and Experian Account number XXXX. 
-- Dear credit bureaus, I am writing to formally dispute and request validation of an account being reported by XXXX XXXX, listed under account number XXXX on my TransUnion credit report & account number XXXX on my equifax and experian credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e ( b ), I am requesting : Proof that this alleged debt belongs to me, including any original signed agreements. 


Documentation proving I was properly notified of the debt. 


A detailed explanation of the investigation process conducted to verify the accuracy of this entry. 


Please consider this a formal dispute. If verification can not be produced, I request immediate removal of the account from my credit report and a written response confirming the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Subject : Request for Validation and XXXX XXXX XXXX XXXX Transunion Account Number : XXXX, Equifax and Experian Account number XXXX. 
-- Dear credit bureaus, I am writing to formally dispute and request validation of an account being reported by XXXX XXXX, listed under account number XXXX on my TransUnion credit report & account number XXXX on my equifax and experian credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e ( b ), I am requesting : Proof that this alleged debt belongs to me, including any original signed agreements. 


Documentation proving I was properly notified of the debt. 


A detailed explanation of the investigation process conducted to verify the accuracy of this entry. 


Please consider this a formal dispute. If verification can not be produced, I request immediate removal of the account from my credit report and a written response confirming the deletion.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Avant- is a company reporting to the credit bureaus but this debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

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 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 2025-05-07 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: NV

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-07 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-07 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My data was breached by TransUnion and XXXX someone used my information to open a XXXX XXXX account XXXX XXXXXXXX balance due {$4600.00} due XX/XX/scrub> 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm disputing late payment being reported to the credit companies and they are not allowed to share those late payments without my authorization according to the FCRAs

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 2025-05-07 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: GA

Complaint narrative:
I am writing you again about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the Equifax Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth as well as a police report. The account was previously removed but is now reinserted back on to my Equifax credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within five business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA section 61 l ( a ) ( 5 ) ( B ) ( ii ). The account listed below, which appears on Identity Theft XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/year> Newrez received information that was mailed to start loan assumption due to divorce, I received an email on this date stating it will take 5-7 days to review and either accept or deny, it's been almost 4 weeks, after multiple calls and emails, have no heard anything back. 
On XXXX sent an email and phone call to XXXX - requesting update on my application process to assume the loan. The employee stated there was no one from assumptions team for me to speak to and that she will put in a message for someone to get back to me. 
On XXXX sent another follow up email to XXXX regarding assumptions application as this is a subsidiary of my mortgage company, have not heard anything back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-07 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: DE

Complaint narrative:
XXXX Experian, and XXXX are all reporting two charge-off accounts : XXXX ( XXXX * * * * ) with a balance of {$900.00} and XXXX ( XXXX * XXXX * * ) with a balance of {$1100.00}. These charge-offs are being reported inconsistently and inaccurately, and I am deeply concerned about the integrity of the data being presented. A charge-off is a serious derogatory item, and reporting such without clear, verifiable documentation is not only misleading but also legally problematic. 

I have never received any notification, account history, or proper validation to substantiate the legitimacy of these alleged charge-offs. There is no proof that these balances are accurate, that the debts were properly calculated, or that the original agreements were signed by me. It is essential for credit bureaus to ensure that all data reported is accurate, complete, and legally sound, yet none of these requirements have been met in this case. 

The inconsistency of reporting across all three bureaus is particularly troubling, as it suggests potential mishandling of data, either due to internal processing errors or as a residual effect of data breaches that have compromised consumer information. It is widely known that data breaches and information leaks can lead to erroneous reporting and the inclusion of inaccurate or even fraudulent accounts. Without the ability to verify the origin, history, or resolution of these charge-offs, XXXX, Experian, and XXXX  are willfully allowing damaging, misleading, and unverifiable information to be attached to my credit profile. This has resulted in unwarranted harm to my financial reputation and has likely impacted my ability to secure financial opportunities.

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