vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am unaware of these inquiries, and they appear to be unauthorized and possibly fraudulent. Please take prompt action to resolve this issue. Relevant documents are attached for your review.

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 2025-05-16 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: Experian Information Solutions Inc.
State: MN

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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete the alleged account from my report or I will take the necessary legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Failure to Investigate and Correct Inaccuracies in My Credit Report in Violation of the FCRA Description of the Issue : I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to reasonably investigate and correct inaccurate information on my consumer credit report despite multiple formal disputes. 

The tradelines in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurately reported and do not reflect the true status of my credit profile. I have submitted multiple disputes through Experian and the CFPB, yet Experian continues to : Retain unverifiable or incorrect data. 

Fail to provide proof or evidence of a meaningful investigation. 

Reinsert previously disputed information without proper notice or certification.

Ignore my written requests for the method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

I have attached a signed Pre-Arbitration Notice that outlines in detail the specific FCRA violations committed by Experian. Along with this complaint, I am also submitting : A copy of the Pre-Arbitration Notice A copy of my government-issued ID ( drivers license ) A copy of my Social Security card for identity verification The continued presence of these inaccurate accounts is harming my creditworthiness and impeding my access to fair financial opportunities. The errors are misleading, and Experian has refused to investigate them in good faith, consistent with the CFPB 's own findings in its lawsuit against Experian ( XXXX XXXX, 2025 ).

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 2025-05-16 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: TX

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Capital One over an international purchase of approximately {$2000.00} with vendor XXXX XXXX. I was aware of the 90-day Capital One dispute policy. 

Capital One sent a document ( dispute update ) stating that the vendor had a " no return/exchange policy ''. In this same document, it directed me to return the item to the vendor in order to get a refund, and to provide proof of this to get a refund. I explained to Capital One that the vendor provided no information about their policies and that it was not documented in the receipt. I also explained the receipt they provided was written in XXXX. They simply closed the case. 

XXXX XX/XX/XXXX, I provided Capital One proof of return to the vendor and requested the case to be reopened. Capital One informed me the case was reopened and the documents were reviewed, but I had to wait on a decision for the chargeback. However, on XX/XX/XXXX, I received a document from Capital One stated the case was closed due to their 60-day dispute policy, which is inconsistent with the 90-day policy. I provided all the information and actions required within the 90-day policy, only to be made aware that the policy has changed. Capital One has refused to give me a chargeback. 

As of today, I was able to get in contact with a supervisor, who has created a case, but now will take XXXX days to resolve. They did not give me a case number. Their methods of pushing dispute deadlines and regulations to their benefit their operations has come at my cost. 

As a result, I am now out ~ {$2000.00} and the items are no longer in my possession- it is with the vendor to the best of my knowledge. I have reach out to Capital One multiple times through various means for resolution - I have been directed to billing, to attempted to contact the Executive Office, directed to XXXX, and then again redirected to the dispute center. I have requested escalation of several case managers and supervisors, only to be told " they are the supervisor '' or they cant help me, or that Capital One actually has a 120-day dispute. 


Of note, last year, I talked with Capital One about an overcharge from a hotel in XX/XX/year>, and I was able to dispute. When the dispute was not in my favor, I was able to challenge the dispute and reopen the case. I received a chargeback in XX/XX/year> with no further issues. This is approximately 4-5 months. Capital One is clearly inconsistent with their dispute policies- even when providing proof of return, they are outright refusing to issue a chargeback, and now I have lost thousands of dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year>, Robinhood placed a restriction on my account. I deposit approximately $ XXXX into Robinhood every XXXX weeks, and sometimes upwards of {$8000.00} USD a month. I use Robinhood as my secondary checking account essentially. They have restricted me from accessing my funds and are requesting bank statements from old bank accounts that I no longer utilize, as well as bank statements for cards that are expired. 

For example : XXXX ending XXXX is now XXXX, thus, they share the same bank statement because this account never changed, and they are stating I am not providing the information requested. 

I just want my access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 am disputing the following inaccurate charge-off entries reported by Equifax : XXXX ( XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX for {$2700.00}, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX for {$620.00}, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$28000.00}, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX for {$2300.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX for {$0.00}. These entries contain significant discrepancies, including incorrect account balances and potentially outdated information. Under 15 U.S.C. 1681e ( b ), Equifax is required to maintain maximum possible accuracy, and failing to do so violates my rights as a consumer. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>

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 2025-05-16 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>

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 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
When NewRez took over my account from XXXX XXXX, somehow the documentation was not completely transferred. In XX/XX/year> NewRez decided to acquire flood insurance and place an escrow account on my mortgage ; when I discovered this in XX/XX/year>, I made a call to NewRez provided the flood insurance documentation needed and I thought it was fixed ; but the {$50.00} escrow for flood insurance kept showing up every month and I kept calling every month to get it cleared. 

By XX/XX/year> I called NewRez and asked to speak to a supervisor which got me nowhere, the supervisor insisted I had to pay {$50.00} because it was already processed by the service department, so immediately after the phone call ended I scheduled the {$50.00} to be paid on XX/XX/year> ; the {$700.00} for XX/XX/year> mortgage payment was previously paid on XX/XX/year>. 

Attached below is a table from a search I performed within my XXXX XXXX XXXX account for payments to NewRez, which shows that all payments have been made on time, even the XX/XX/year> payment that they said was 30 days late ( paid on XX/XX/year> ) along with the {$50.00} flood insurance payment paid on XX/XX/year>. 

Total Delivered Amount On Paid From To Status XX/XX/year> ( {$700.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$700.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$700.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$50.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$700.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$700.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$770.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$700.00} ) Checking NewRez LLC Processed XX/XX/year> ( {$700.00} ) Checking NewRez LLC Processed My mortgage of {$700.00} has never been late and has always been paid on time, so to put a ding on my credit report for a 30 day past due is wrong. I understand the {$50.00} was not paid but that was for flood insurance that I didn't need. I did pay that in XX/XX/year> and then in late XX/XX/year> NewRez sent me a check for the same amount, so when my mortgage statement came in for XXXX for {$770.00} including interest on the original {$50.00} I paid it stating above that XXXX payment was paid in the amount of {$770.00}.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-05-16 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: PA

Complaint narrative:
These folllowing accounts are fraudulently reporting on my credit file. I want them to be blocked and removed from my credit report XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX ... XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$840.00} XXXX demand the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the fcra and fdcpa laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I had made a full payment on my mortgage loan, and somehow, the next day, I unknowingly and unintentionally processed a payment for {$1400.00}. I had a chance to look at my escrow statement due to the notices of increase. I contacted Carrington Mortgage. I contacted Carrington Mortgage, and they told me that I had a payment of {$1400.00} that went towards the principal. When I advised them that I had made a human error and would like the money to be refunded to my account. They refused and stated that since it was authorized and I was not late on my payment, it was extra money, and per their requirement, it went to the principals, and that it was their policy to do so. I asked why I was called, emailed, or notified in some way that I had extra money in my account. They stated that it is not their policy to do so. 

I asked can I could get a copy of their policy, regulation, or rule on money refund. unapplied funds, and payment made it error. They said that they did not have to provide me with anything and that there was nothing that could be done. 

I am a XXXX  XXXX veteran with XXXX XXXX XXXXXXXX, and all of my money goes towards supporting my family. This company is greedy and does not want to do the right thing by me and other customers like me. Even after providing them everything that they needed, answering every question that they had, and not being late on my payment at the time the payment was do. I would like to get this resolved at the lowest level. I feel like I am being robbed of my money from the bank to fill their needs. My payment history shows that I have never made that sort of payment before, and I must have made a mortgage payment before that one was submitted. 

I would like my money refunded to my account to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I used to have XXXX about 7 years ago, they put my account in debt collections for {$740.00} the debt was charge off and removed from my XXXX XXXX after years, I know of this because my credit was pulled last month because I am in purchase of a new home. today XX/XX/XXXX I pull my credit or check on XXXX XXXX and it shows they reported a new collection which is XXXX again for the same amount. I called the debt collector XX/XX/XXXX @ XXXX central time spoke with XXXX XXXX and he said he is able to see if they refiled and I had to provide my credit card info and pay {$1.00}. Immediately I thought it was a scam and I wanted to report the refile of a charge off debt and a complain on the debt collector which is credence resource management phone XXXX. This should not be on my report it was taken off a long time ago since last year I believe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing a financial claim for a scam that occurred on XX/XX/year>. The incident involved a spammer claiming to be an official agency of thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  app, offering discounted ski season passes. 

Here is a detailed account of the events : - Initial Contact : I added the spammer on XXXX to purchase discounted ski passes. 

- Transaction : The spammer purchased passes for me and my partner, showing screenshots as proof of purchase. I sent {$1500.00} to the spammer using XXXX. 

- Realization of Scam : When I asked about login information, I realized I had been scammed. 

- XXXX XXXX : I contacted Capital One within XXXX hours ( on XX/XX/year> ) to request termination of the transaction. Capital one couldn't withdraw the money and opened a claim case for me. 

- FBI Report : I filed a report with the FBI Internet Crime Complaint Center ( IC3 ) on XX/XX/year>. 

- Warning Others : I made a complaint post on XXXX warning others about the scam on XX/XX/year>. 

- Claim Filing : I filed claims about the spammer 's accounts on XXXX and XXXX on XX/XX/year>. 

- Capital One Response : My initial claim was rejected by Capital One on XX/XX/year>. I requested reopening of the case and provided additional evidence. 

- Follow-up : I followed up with Capital One multiple times without new information. 
Reopening Case : On XX/XX/year>, I called Capital One again, and the agent reopened the case. 

- Final Rejection : On XX/XX/year>, I called Capital One to follow up on the case and was informed that it had been rejected again. I requested a written record of the reason for denial. 

I am seeking reimbursement for the {$1500.00} lost in this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NE

Complaint narrative:
I had a XXXX XXXX XXXX card that was converted to a XXXX XXXX XXXX card. After it converted, the XXXX XXXXXXXX XXXX card continued to show a balance but as closed. I filed a dispute with equifax, the only one reporting this wrong, and they instead reopening the item on the credit report despite the fact I made it clear that one account was converted and is no longer active or holding a balance. Nobody will help me at XXXX XXXXXXXX or at equifax. Account XXXX was converted to account XXXX after the XXXX XXXXXXXX XXXX card was discontinued, reviewing the attached credit reports you can see the same limits, the same opening date, anyone with a brain at the credit bureau should be able to fix this but all I can get are people overseas that are not americans to answer the phone.I am also including my credit card statements, in XXXX of 2024 account XXXX no longer was active, and in XX/XX/year>2024 account XXXX was the new account number. These statements reflect this one account, being reported twice.

Company response to consumer: Closed with non-monetary relief