vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a collection account appearing on my Experian credit report under the name XXXX, with an original creditor listed as XXXX XXXX XXXX XXXX. The account information is inaccurate, incomplete, and is causing me harm as I seek mortgage financing. 
Account Details ( as reported ) : - Creditor : XXXX/ XXXX XXXX XXXX XXXX - Account Number : XXXX ( partial, as shown ) - Balance Reported : {$1300.00} - Original Balance : {$2100.00} - Date Opened : XX/XX/year> - Status : Reported as open Reasons for Dispute : 1. The account is inaccurately reported as open, when it should reflect either closed, settled, or another accurate status.

2. The balance and payment history reporting appear inconsistent with what has actually occurred. 3. This debt has not been properly validated, and I have not received sufficient documentation from the collector proving its legitimacy.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full investigation of this account. If the furnisher of this data can not provide verifiable proof of the alleged debtincluding original signed agreements and complete payment historythis account must be deleted from my credit file. 
Please provide me with the results of your investigation in writing. If the reporting entity can not validate the debt within the required timeframe, I demand that this account be permanently removed from my credit report with all three major credit bureaus. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX, dispute the accuracy and completeness of the following accounts on my credit file : XXXX XXXX XXXX Account # : XXXX Shows 1 late payment and balance {$880.00}. Payment history and Last Payment Date ( XX/XX/XXXX ) conflict with my records and your own payment summary. 

XXXX XXXX XXXX Account # : XXXX Shows 8 late payments on an account marked Paid, Closed. The Last Payment Date of XX/XX/XXXX conflicts with the payment history provided. 

XXXX / XXXX Account # : XXXX ( duplicate entries ) Reported twice, each showing 9 potentially negative months and a {$940.00} charge-off. The duplicate reporting and payment-history details are inaccurate and misleading. 

My Demand Under Federal Law Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : Conduct a reasonable reinvestigation within 30 days of receiving this dispute. 

Identify and disclose to me the furnisher ( s ) you contactedincluding names, addresses, phone numbers, and dates of contact. 

Provide a complete description of your method of verification, including the specific documents or records relied upon ( not just a code or form response ). 

Supply copies of all evidence and communications used to verify these items, including ACDV/AUD/e-OSCAR responses. 

Correct or delete any information found to be incomplete, inaccurate, duplicated, or unverifiable, and promptly notify all CRAs of any changes. 

Prevent reinsertion of any deleted items unless supported by proper documentary proof, as required by FCRA 611 ( a ) ( 5 ). 

Notice of Liability If you fail to comply fully with these obligations, or if you continue to report inaccurate or unverifiable information, I will consider this a willful violation of the FCRA and will pursue all available remedies, including filing a lawsuit for damages, costs, and attorneys fees. The FCRA makes CRAs liable for negligent or willful noncompliance ( 616, 617 ). 









Sincerely, 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I keep receiving fraudulent emails about my credit cards and I have called the credit card company to discuss these emails but nothing could be done at the time. I have been receiving these emails for over a month, I have been reporting them to my email Junk box, but I am still receiving over XXXX or to XXXX emails daily. I have not clicked any of the links on either of the emails for them to get further information but I am sick and tired of receiving them. I have emails about large expenditures, about chargebacks, about my cards being locked and closed, all types of emails but I notice on every email that the email address is not a correct email address and other discrepancies in the emails which is why I do not click any links or anything. This is from a company email and therefore, I know that I have not used my companies email on any of my actual credit cards but I may have made charges but used my company email on the purchase. I will attach copies of emails below to show for example.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NE

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Child Support XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX regarding an account they are reporting on my XXXX credit report. The details are as follows : XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX. 

Debt Collector : XXXX XXXX XXXX Account Number : XXXX ( partial ) Reported Balance : {$770.00} Date Opened ( per XXXX ) : XX/XX/year> Reported Status : Open Account / 0 % Paid Off This account is being reported inaccurately and is causing me significant harm, particularly as I am in the process of seeking mortgage financing to purchase a home. 

Issues with XXXX : The account is inaccurately reported as an open account, which is misleading and not an accurate reflection of its true status. 

XXXX XXXX has not properly validated this debt despite my disputes. They have not provided complete documentation proving the legitimacy, ownership, or chain of title of this account. 

The continued reporting of this unverified account is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Impact on Me : This inaccurate and unverifiable information is severely damaging my creditworthiness and directly preventing me from qualifying for a home mortgage loan. The reporting is unjust, unlawful, and has caused me financial and emotional hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive went through 2 mediation and still not satisfied Ive reach out the Executive office to speak with either XXXX and or XXXX XXXX these 2 executive managers have not reached out to me since they have sent me emails and fedex priority mail to let me know I have 4 cases and I just want to be compensated correctly. Just recently Ive talk to executive named XXXX on XX/XX/year> she was the only one that reached out to me to see whats going on and handle my concerns on this matter she later stated that I have 5 cases I dont know what these cases are no one is telling me anything and I feel like Ive low balled for my time and compensation just to get me out the way I am the victim here I did not sign up for none of these products or services also during mediation with XXXX and the mediator XXXX XXXX was not showing up for me at all I felt like they were rushing me to get me out the way. Once again I didnt ask for these services just want justice the correct way instead of being brushed off like I created the problem so knowing I have more than 2 cases I have more than 2 and 3 I havent been compensated for I will continue to reach out to the executive office and leave voicemails knowing that I have my right to do so!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I filed a dispute with Cash App banking for {$690.00} for an item that I never received. I have recorded calls of them telling me that after 10 days if the dispute was not resolved I would receive a credit. That never happened. Every time I call they make excuses and its been almost a month and I have received no updates and no provisional credit which is mandated by Reg E. They are playing games and not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Net Pay Advance, Inc.
State: TN

Complaint narrative:
I reached out to XXXX to pay off the loan in full so I dont accrue any more debt in interest. I have not had any response from the company through email or phone. The interest accrues by the day and not responding or allowing me to pay is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Since XX/XX/year> I have had someone wanting to purchase my home. I had to sell my house due to a divorce. It took almost the entire month of XXXX to receive a payoff with me calling everyday and getting a customer service person on the line who always told me a different requirement. I could barely even understand them in communications. I was given XXXX different closing dates, XXXX for XXXX XXXX, XXXX XXXX, XXXX XXXX, and finally XXXX XXXX. Each date came and went with them asking for the same documentation over and over again. Anything to delay the process all the while they were threaten me with foreclosure, I told them I had no more money to make payments they assured me we would close and don't worry about it only for the next day to call me and threaten me again. I tried to make one more payment in XXXX but I was told I couldn't make just one payment because they wanted two payments and the guy name XXXX wanted to know what I bought at the grocery store to see if I was spending too much. I asked for a supervisor and I was put on hold for XXXX minutes only for the person to come back and tell me he could accept XXXX payment. I then asked for a supervisor again because he had told me I couldn't make the payment now, he then told me the supervisor did not have time to talk to a loser veteran. I am a XXXX veteran and I am fighting XXXX XXXX for years and this process with XXXX XXXX XXXX caused me to have a XXXX XXXX weeks ago. On XX/XX/XXXX, I received an official registered letter that they have started the foreclosure process on my house. When we asked the person who is handle the closing at XXXX XXXX XXXX why we didn't close on the XXXX the fourth attempt he said he would get back to us. We started this process back in XXXX and five months later today we still can't close on the house. Planted Home lending told my realtor back in XXXX since I was letting someone assume my loan because of a low interest rate they would rather foreclose on the loan. Like I said this caused me to have a XXXX and I am not sure how long I will be able to work now. I have a XXXX year old daughter that I wanted to put my share of the sell in a trust because I know now I will not be around for her much long. This is a XXXX  XXXX that XXXX literary bleed for. I served in the United States XXXX for over 20 years and as far as I am concerned now this was planned to take my house from me from day one and may even violate to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX [ Date ] XX/XX/XXXX Experian Re : Unauthorized Hard Inquiry Demand for Deletion To Whom It May Concern : I am formally disputing the unauthorized credit inquiry reported by XXXX XXXX XXXX on my credit file. This inquiry is listed as occurring on or about [ insert date ]. 

I did not authorize, apply for, or consent to any credit application with XXXX. Therefore, this inquiry represents a violation of : FCRA 604 ( a ) ( 2 ) Permissible purpose requirements FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 607 ( b ) Duty to follow reasonable procedures to assure maximum accuracy Texas Finance Code 521.051 Unauthorized use of personal identifying information Texas Deceptive Trade Practices Act 17.46 ( b ) ( 24 ) Misrepresentation of consumer rights You are required by law to verify the permissible purpose of this inquiry. If XXXX can not produce a signed application or direct consent from me, this inquiry must be deleted immediately. 

I demand the following : 1. Removal of the unauthorized inquiry from my credit file.

2. A full description of your method of verification ( MOV ) under FCRA 611 ( a ) ( 7 ), including the name, address, and telephone number of the entity you claim verified this inquiry.

3. Written confirmation of the deletion within 30 days, as required by law.

Failure to comply will leave me no choice but to escalate this matter to the CFPB, Texas Attorney General, and pursue civil remedies under FCRA 616, 617, and applicable Texas statutes. 

Sincerely, 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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a collection account appearing on my Experian credit report under the name XXXX, with an original creditor listed as XXXX XXXX XXXX XXXX. The account information is inaccurate, incomplete, and is causing me harm as I seek mortgage financing. 
Account Details ( as reported ) : - Creditor : XXXX/ XXXX XXXX XXXX XXXX - Account Number : XXXX ( partial, as shown ) - Balance Reported : {$1300.00} - Original Balance : {$2100.00} - Date Opened : XX/XX/year> - Status : Reported as open Reasons for Dispute : 1. The account is inaccurately reported as open, when it should reflect either closed, settled, or another accurate status.

2. The balance and payment history reporting appear inconsistent with what has actually occurred. 3. This debt has not been properly validated, and I have not received sufficient documentation from the collector proving its legitimacy.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full investigation of this account. If the furnisher of this data can not provide verifiable proof of the alleged debtincluding original signed agreements and complete payment historythis account must be deleted from my credit file. 
Please provide me with the results of your investigation in writing. If the reporting entity can not validate the debt within the required timeframe, I demand that this account be permanently removed from my credit report with all three major credit bureaus. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
Ive been paying their law firm, I sent a certified settlement proposal, but they are still reporting delinquency and adding fees to my credit report as well as ignoring my claims. We are way past the point of me continuing this and if I do not receive an answer my certified letter will be void and Ill seek bankruptcy protection immediately. I do have proof of certified letter being sent/delivered as well as i told Heights Finance a week in advance to be on the look out for my settlement letter. I also have been paying {$100.00} a month to their law firm which I can provide proof from my bank account and email verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Loans Date opened XX/XX/XXXX Balance {$5200.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$160.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: AR

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 {$550.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LIVE OAK BANCSHARES, INC.
State: SC

Complaint narrative:
Good day i am attaching the communications with XXXX XXXX where she was willing to accept payment before we offered to pay ( after XXXX ) Thank you for you time and attention to this matter I'm also attaching the note Please refer to XXXX XXXX  This IS a Federally backed loan I included the XXXX " Right to cure default '' where we were in default and being 21 days late, and charged a {$1000.00} late fee ( the loan clearly states it is NO MORE than 4 % of the total I am attaching the current 'Right to Cure Default '' The bank will not accept payment on a " default '' They were willing to accept any payment until we attempted to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation