vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I purchased perishable oysters online XX/XX/XXXX. The Oysters were to be sent XXXX to arrive on Wednesday XX/XX/XXXX. The Oysters were not delivered on the day promised. I reported the problem to the merchant and Capital One. Capital One issued a temporary credit. The merchant subsequently issued a credit. Capital One reversed my temporary credit for the dispute but never issued the merchant credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-28 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I submitted paperwork for a mortgage modification on XXXX and the notary had missed putting my middle initial. They reached out to me on XX/XX/XXXX to resubmit the paperwork due to my middle initial not on the documents by the notary. I resent the paperwork on XX/XX/XXXX and it was received on XX/XX/XXXX via XXXX. I got a call on XX/XX/XXXX saying they denied my modification request on XX/XX/XXXX because they stated they did not receive the corrected document in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SC

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 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX, with additional documentation related to CFPB Complaint # XXXX. I am providing newly discovered facts and legal support that were not considered in the prior dispute. 

I am not disputing ownership of the account. I am disputing the inaccurate, misleading, and inconsistent reporting on my Equifax credit report by XXXX XXXX XXXX XXXX ( XXXX ). However, all correspondence received has come from XXXX XXXX XXXX ( XXXX ) a different legal entity. 

On XX/XX/year>, XXXX confirmed that I do not qualify for a XXXX, which contradicts the charge-off status being reported. XXXX XXXX XXXX have both removed this account from my credit report. 

Despite presenting new, material information, Equifax sent a letter on XX/XX/year>, refusing to reinvestigate, calling my complaint frivolous. This violates 15 U.S. Code 1681i, which requires a reinvestigation when new information is submitted.

I am submitting two documents : 1. An Updated Formal Complaint Letter 2. A Legal Demand Letter citing case law and statutory violations I am requesting immediate deletion of the inaccurate tradeline and full compliance with FCRA investigation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
Account XXXX XXXX ending in * * XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account ending in * XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 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: NC

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 : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$550.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$310.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2400.00} XXXX - XXXX * * * * * * * * * * * * * XXXX XXXX XXXX XXXXXX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} 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 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 2025-04-28 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: VA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX from Best Buy. When purchasing the XXXX, I asked for XXXX XXXX be added to my device warranty for an added layer of protection. A {$170.00} charge was added to my device. I completed payment on the computer in XX/XX/XXXX. Because I had not made any purchases with my card, I had not accessed my account since I made my final payment on the XXXX purchased. 

On XX/XX/XXXX, I received a call, while traveling, from a man stating that he was calling regarding an important matter regarding my Best Buy Citi account. I asked him what the call was in reference to and he stated he needed me to confirm my identity. I refused to provide sensitive information over the phone, due to the high volume of spam calls I receive. I asked him to send the correspondence via email and I would reach out to Citi when I returned home. On XX/XX/XXXX, I receive an email with a notification that my account is two months past due. After signing into my account and reviewing the statement, I realized I was charged {$170.00} for Best Buy Membership. I had not received any communication to notify me that my card was charged in XX/XX/XXXX or that it was past due in XX/XX/XXXX. 

When I called to inquire about what the charge was today, XX/XX/XXXX, I was told by XXXX, that the XXXX XXXX XXXX was an annual fee. I explained to her the warranty regarding the XXXX XXXX and XXXX XXXX was not properly explained to me in the store, so I was under the impression this was a one-time charge for multiple years of warranty. Additionally, she added that I could have missed correspondence because the email attached to my account was a previous email address, attached to student account. All correspondence regarding payments, including the payments for the laptop, has always been sent to my gmail account, so I was confused as to why this payment would be different. I checked my student email account to find the last correspondence regarding my Best Buy XXXX was on XX/XX/XXXX. This means I never received notification regarding the charge initially. A representative did wave the late fees associated with my account ; however my credit score and credit limit has been negatively impacted due to missed communication and lack of communication via Best Buy.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am submitting this complaint regarding an inaccurate and incomplete reporting of a charge-off on my credit report. The creditor Discover Bank XXXX XXXX XXXX XXXX XXXX reported a charge-off ; however, I was never issued a Form 1099-C ( Cancellation of Debt ) as required under IRS regulations when a debt is forgiven, discharged, or canceled.

The absence of a 1099-C raises serious concerns about the validity and accuracy of this reporting. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete and accurate. Reporting a charge-off without proper documentation misrepresents the status of the debt and results in an incomplete and misleading credit entry, which unfairly damages my credit standing. 

I have made multiple attempts to resolve this matter directly with the creditor, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting 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 2025-04-28 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Company harassment of payment collection calls everyday the original balance of loan is XXXX I payed XXXX down payment to XXXX XXXX and balance of XXXX was left in loan in total of financial of XXXX I payed in total XXXX in cash the internal banking account of their credit acceptance account split my payment on principle and interest so their records reflects only receipt of XXXX in actual payments its XXXX the interest owed is behind XXXX I have tried to contact company to update identity and citizenship status company rep calls me their not accepting federal biographic registration law federal law by president Donald trump signed into law to update status requirements t You as a federal agency my complaint is as follow

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 2025-04-28 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Collection Account Reporting Account Number Ending in XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my Equifax credit report regarding the following account : Creditor Name : XXXX XXXX XXXX ( Closed ) Account Number ( Last XXXX Digits ) : XXXX Reported Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount Past Due : {$1200.00} Account Status : Collection This account is being reported as a collection account, and I believe the information is inaccurate, incomplete, and/or unverifiable. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, I am exercising my right to formally dispute this entry. I request that your agency conduct a reinvestigation of this account and either correct or delete it within the legally mandated 30-day period. 

Additionally, this account appears to violate XXXX XXXX compliance standards as set forth by the XXXX XXXX XXXX XXXX ( XXXX ). Creditors and collection agencies must ensure that all information furnished is accurate, complete, and in strict adherence to XXXX XXXX reporting guidelines. Misreporting of balances, statuses, or ownership mischaracterizations constitutes noncompliance and can adversely impact a consumer 's creditworthiness, thereby violating the FCRAs accuracy requirements. 

I specifically request that you provide the following documentation for verification : Proof that this account is valid and contractually belongs to me ; Verification that the reported balance of {$1200.00} is accurate and fully substantiated ; Confirmation that proper notice of the alleged debt was sent to me, as required by law. 

Until such validation is provided and verified in full compliance with the FCRA and XXXX XXXX standards, I formally request that this collection account be immediately deleted from my credit report. 

Attached for your convenience are copies of my government-issued identification and proof of address to assist you in your reinvestigation. 

Please provide me with written notice of the results of your investigation and supply me with a free updated copy of my credit report reflecting any changes made, as required by 15 U.S.C. 1692c ( c ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief