vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
Capital one case # XXXX On or XXXX XX/XX/year>, I was coerced into making a payment under duress while my vehicle was being wrongfully held by XXXX XXXX repossession agent. My essential belongings and medication were inside the vehicle, and I had an important appointment that same day. The agent refused to release my car unless I made an immediate payment, leaving me with no choice but to comply under threat and stress. 
This matter needs to be addressed by upper management. 
I contacted Capital One to dispute this charge, explaining that it was not made voluntarily and that I was under duress at the time. I requested documentation of their investigation, including the merchant authorization, proof of consent, and evidence that the transaction was valid. Capital One failed to provide the requested information and denied my dispute without proper review. 

I also verified with the XXXX Police Department that no lawful notice or report was filed before the repossession, which raises concerns about the legality of XXXX XXXX  actions. Despite my prior CFPB complaint and multiple communications, Capital One has not credited my account, or resolved this matter. 

I am XXXX and live with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and this ongoing issue has caused extreme distress and hardship. 
Requested Resolution : Full credit for the coerced payment. 
Proof of lawful authorization and notice from merchant. 
A complete and fair investigation consistent with the Fair Credit Billing Act and Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request the deletion of all outdated or inaccurate personal information listed on my credit report. I have reviewed my file and found that multiple addresses and identifying details are still being reported that do not belong to me or are no longer accurate. 

Please be advised that my only correct and current address is : XXXX XXXX XXXX XXXX, XXXX  XXXX I am requesting that you delete all other addresses, prior addresses, former employers, or name variations that are listed on my file, as they are outdated and inaccurate. These entries may cause confusion or misidentification and have no permissible purpose to remain on file.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), you are required to ensure that only accurate, complete, and verifiable personal information remains on a consumers credit report. I expect the removal of all erroneous information within the 30-day period provided by law and a new copy of my updated report reflecting these changes.

Please find enclosed copies of my government-issued photo ID and a recent utility bill verifying my current address.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-15 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer Solutions\nXXXX XXXX XXXX XXXX XXXX\n\nSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear TransUnion,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX  data breach of XXXX, in which the personal information of over 147 million Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the July XXXX  breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in Dispute:\n1. XXXX XXXX XXXX\n\nINQUIRIES:\n1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerely,\nXXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT ; THIS ACCOUNT IS NOT MINE.

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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX -Date Opened XX/XX/year> -Balance {$3800.00}

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am getting overwhelmed & XXXX  XXXX  have been bad due to this, I cant get a place because of this negative account. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I submitted a timely Validation of Debt request to FAIR COLLECTIONS AND OUTSOURCING regarding Account Number:XXXX XXXX XXXX  for the alleged balance of {$6600.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, FAIR COLLECTIONS AND OUTSOURCING failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaintsThere are inaccurate and unverified items on my credit report violating the Fair Credit Reporting Act ( FCRA ). XXXX inquiries from XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/2025 ) were made without my authorization or permissible purpose under FCRA XXXX XXXX a ) ( XXXX ). A XXXX XXXX XXXX XXXX XXXX XXXX  ) is inaccurately showing as late, violating FCRA XXXX ( b ). In addition, charge-offs from XXXX  XXXX ( XXXX {$980.00} ; XXXX {$480.00} ) and XXXX  ( XXXX {$7900.00} ) appear unverifiable and inconsistent across bureaus. Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), furnishers must verify accuracy or remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaintsThere are inaccurate and unverified items on my credit report violating the Fair Credit Reporting Act ( FCRA ). XXXX inquiries from XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/2025 ) were made without my authorization or permissible purpose under FCRA XXXX XXXX a ) ( XXXX ). A XXXX XXXX XXXX XXXX XXXX XXXX  ) is inaccurately showing as late, violating FCRA XXXX ( b ). In addition, charge-offs from XXXX  XXXX ( XXXX {$980.00} ; XXXX {$480.00} ) and XXXX  ( XXXX {$7900.00} ) appear unverifiable and inconsistent across bureaus. Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), furnishers must verify accuracy or remove these accounts.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my third complaint regarding XXXX XXXX mishandling of my secured credit card account. 

My account was frozen without warning, and a payment initiated by XXXX XXXX was returned not by me resulting in my balance showing over {$400.00} on a {$200.00} limit card. Thats over 100 % utilization, caused by their system, not my spending. 

This has now negatively impacted all three of my credit reports and has caused multiple denials for credit, which I have documented.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my third complaint regarding XXXX XXXX mishandling of my secured credit card account. 

My account was frozen without warning, and a payment initiated by XXXX XXXX was returned not by me resulting in my balance showing over {$400.00} on a {$200.00} limit card. Thats over 100 % utilization, caused by their system, not my spending. 

This has now negatively impacted all three of my credit reports and has caused multiple denials for credit, which I have documented.

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 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NC

Complaint narrative:
We moved out towards the end of XXXX. I received a debt collection notice in the mail XX/XX/XXXX. I called the apartment management and asked about it since I never received a statement from them. They sent it to me via email and told me that IQ Data was not supposed to contact me yet and that I should pay them and not IQ Data. I asked to confirm that I was to pay the complex directly and they said yes. 

I issued them a check on XX/XX/XXXX. They cashed it. 

IQ Data called XX/XX/XXXX and wanted proof of payment and I stated they could contact the complex for the proof. XXXX threatened to have it hit my credit and then tried to tell me that the debt wouldn't be able to be removed. In this same conversation she informed me they got my file on XXXX which really makes no sense since I received the notice in XXXX. She wasn't willing to explain that. 

I have attached a screenshot of when I engaged with the complex to show the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no record or recollection of any account with XXXX XXXX XXXX XXXX XXXX that was sold, transferred, or assigned to XXXX XXXX XXXX. 
The reported balance is incorrect, and the information being reported is inaccurate and unverifiable. 
I have never received any documentation, original signed agreement, or contract proving that I am personally liable for this alleged debt. 
This account does not reflect accurate ownership or balance information, and therefore violates the Fair Credit Reporting Act ( FCRA ) requirement that all information on a consumer credit report be accurate, complete, and verifiable. 
I am requesting full validation of this account, including : XXXX. A copy of the original signed credit agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. A complete payment history from the original creditor ; and XXXX. Documentation showing legal transfer or assignment of the debt to XXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint against Capital One for their deliberate refusal to conduct a reasonable reinvestigation and verification of disputed information on 2 charged-off accounts in direct violation of the Fair Credit Reporting Act 15 USC1681ia, and the Fair Debt Collection Practices Act.

I disputed inaccurate and incomplete information reported by Capital One concerning 2 charged-off accounts. Despite the accounts charged-off status, Capital One remains legally obligated to conduct a thorough reinvestigation of any disputed information and verify its accuracy within 30 days of receiving my dispute. This duty is unequivocal and applies regardless of the accounts status, as established by federal law and reinforced by case law such as XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. 

Capital Ones failure to provide any meaningful reinvestigation, verification, or correction constitutes a willful violation of the FCRA, exposing them to statutory damages and potential punitive sanctions. Their conduct also violates the FDCPAs prohibition against unfair, deceptive, and misleading practices in debt collection and reporting.

The inaccurate reporting of this charged-off account has caused me substantial harm, including but not limited to unjust damage to my credit score and creditworthiness, Denial of credit and financial opportunities, Emotional distress and financial hardship. This also violates FCRA 1681i, which mandates that consumer reporting agencies remove unverifiable data.

Further, under FCRA 1681s 2b, the furnisher of this information is legally required to verify the accuracy or request deletion of the information which has not been done. 
In addition Capital one is in violation of New York XXXX XXXX as it reflects deceptive and unlawful reporting behavior affecting consumers in New York State.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX Gentleman, I have a simple question. As a XXXX I was targeted in a scheme by Bank of America. They submitted false documents claiming to own my home almost XXXX years after the Statue of Limitations ran out. They forced me to hire an attorney even though they knew they had no standing to evict me. 
They even offered me to stay in my home of XXXX  years for XXXX year if I do not fight for my home. The XXXX XXXX disregarded these fraudulent documents and forced me to hire an attorney that I did not need. The first round in XXXX XXXX we lost and my negligent attorney advised me that an appeal would be a longshot. I disagreed and a panel of five judges ruled in my favor that Bank of America had no standing to evict me and voided two illegal deeds. My Attorney coerced me into signing a Quit Claim Deed and sold my home back to the bank I was prosecuting for XXXX XXXXXXXX. My home is worth way more than that. The Grievance Commitee ruled my attorney did nothing wrong. Now I must appeal thier decision. To me that is fraud an possibly identity theft. I contacted the Attorney General in New York who is up on charges, to respond and was denied. I have a thick book of contacts who just passed the ball to other departments who also offered me no help. It is my sincere hope that DOJ will assist me in finding justice once and for all. 
I have a mountain of evidence against my attorney and Bank of America. Please take this matter seriously. Losing my home at XXXX XXXX XXXX is devastating for my family. I did everything legally since XXXX  and my lender broke every law they are still trying to get away with it. 
Please help me save my home. 

Sincerely, XXXX 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 2025-10-15 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief