vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
In early XX/XX/year>, while I was in the hospital and under heavy medication, I accidentally caused XXXX failed payments to my Capital One credit card. These failed payments occurred within a few days due to a banking error I didnt notice at the time. Prior to that, I had never missed a payment and always paid my full balance on time, even after I lost my job and maxed out the card during a difficult period. And even after this, I have somehow made every payment on time and have never been late, even though I'm still unemployed. 

Capital One placed the account on restricted status without notifying me that it would be closed, charged off, or sent to collections. On XX/XX/year>, I received a letter from XXXX XXXX XXXX ( XXXX  ) informing me that the account had been charged off and the debt was now in collections. The letter stated a balance of {$1700.00}. 

I was never given a clear opportunity to resolve the issue or work out a payment plan with Capital One before they closed the account. I strongly believe this was an unfair action, especially considering my consistent repayment history and willingness to pay the full balance. I am requesting that Capital One reverse the charge-off, take back the account, and allow me to resolve the balance directly through them. I am also asking MCM to suspend collections while this issue is investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my credit report and noticed unauthorized hard inquiries. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: MA

Complaint narrative:
TransUnion has continued to report inaccurate, disputed tradelines from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ). These accounts were never properly validated and remain on my credit report with conflicting or misleading details. I submitted disputes, but TransUnion failed to reasonably investigate or correct the records. The data violates Fair Credit Reporting Act ( FCRA ) guidelines and Metro 2 standards, and continues to impact my ability to obtain credit, housing, and job opportunities. These errors have caused substantial harm and distress to me as a consumer currently residing in Massachusetts.

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 2025-05-05 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: RI

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate and misleading information regarding a closed account from XXXX XXXX Bank XXXX. despite clear inconsistencies, factual errors, and violations of federal credit reporting laws. 
I have submitted a formal dispute directly to Equifax and provided documentation highlighting the following serious violations : Legal Violations Involved : 1. FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

2. FCRA 1681c : Inaccurate Date of Last Activity affecting the 7-year reporting timeline.

3. FCRA 1681i ( a ) ( 1 ) ( A ) & 1681i ( a ) ( 5 ) ( A ) : Failure to properly reinvestigate disputed information.

4. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information ( e.g., wrong status and balance ).

5. FCRA 607 ( b ) : Reporting a conflicting payment status ( 120 Days Late and XXXX simultaneously ). 
6. FACTA 312 / 12 CFR 1022.42 : Failure to correct systemic reporting errors.

7. Dodd-Frank Act UDAAP ( 12 U.S.C. 5531, 5536 ) : Unfair and deceptive practice by continuing to report harmful, unverifiable, and contradictory data.

Supporting Facts : Equifax reports this account as Open, while Experian reports it as Closed.

The Date of Last Activity is inconsistent across bureaus ( 08/01/2023 vs. 03/01/2024 ).

Equifax reports both 120 Days Late and Collection Account, violating Metro 2 coding standards. 
The balance of {$3100.00} is still being reported, although the account has been charged off and referred to collections. 
Equifax has failed to provide any verification or correction despite the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I removed my bank from my XXXX XXXX on XX/XX/2025, unaware it would affect autopay for my XXXX XXXX since there was no warning in the product or email. I checked before the due date, and the account still showed as linked to autopay. However, the payment failed due to a post-processing check, and I was charged a late fee. Autopay wasnt marked as canceled until XX/XX/2025. This lack of notification and poor integration between XXXX and XXXX caused an unnecessary late fee.

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 monetary relief
Consumer complaint received 2025-05-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-05-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate information being reported by Golden 1 Credit Union regarding a charged-off account. On XX/XX/year>, I attempted to settle this account by following Golden 1s protocol for submitting a settlement offer. My offer was ignored, and no further communication was provided regarding the status of that settlement.

Since then, Golden 1 has sold the alleged debt to a third-party debt collector. I have no contractual agreementverbal or in signed writingwith this third-party entity. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, complete, and verifiable.

I request that Golden 1 and/or the reporting agency provide documentation of a signed contract ( " wet ink '' signature ) between myself and the third-party debt collector to validate any continued reporting of this account. If such documentation can not be produced, I formally request that this account be removed from my credit report and that any further reporting of this debt be ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In XXXX, I enrolled in a national debt relief program due to financial difficulties stemming from the XXXX pandemic and medical issues affecting XXXX of my children. Shortly after, I established a payment plan with Midland Credit for {$50.00} per month. However, my debt relief program advised me that they could manage the account more effectively, so I transferred it to their existing plan. 

When I contacted Midland Credit to discuss repayment options, considering my ongoing financial strain since XXXX, they refused to provide any account information, directing me to contact the national debt relief program instead. Without prior notice or collaboration with my debt relief program to initiate repayments under the new plan, Midland Credit served me with a summons, and I am currently being sued. This action came after their repeated refusal to discuss repayment options with me directly. 


I reached out to them repeatedly for the years of XXXX and XXXX to discuss reduced repayment options due to financial hardship and they refused to talk to me regarding my options, saying XXXX would have to reach out. However, instead of working with XXXX they sued me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To Whom It May Concern This is a formal notice that I am requesting a validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
Be advised that I am requesting the following information : 1. The name and address of the original creditor. 
2. A detailed statement of the alleged debt, including : The amount of the original debt, All interest, fees, and charges added, A full accounting of payments and credits applied. 
3. A copy of the original signed agreement or contract that created the debt and shows my obligation to pay. 
4. Proof that your company is authorized to collect this debt in my state and that you have the legal right to do so. 
5. A copy of your companys license or registration number in my state ( if applicable ). 
6. Proof that the Statute of Limitations on this debt has not expired. 
Until you provide the requested documentation, I demand that you : Cease all collection activities, including phone calls and letters, Do not report this debt to any credit bureaus, or immediately remove it if already reported, Refrain from selling or transferring this debt to another agency If you can not validate this debt, you must delete it from my credit report and cease all collection efforts. Please respond in writing only to the address listed above This is not a refusal to pay but a request for validation. I am fully aware of my rights under the FDCPA and will report any violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I logged in my Citibank, NA online account on XX/XX/year> and XX/XX/year>. The site showed that I had a balance due on my personal loan ending in XXXX ; it did not show that I had scheduled a payment already for XX/XX/year>. So, on XX/XX/year>, I scheduled a payment to come out of my XXXX checking account for the loan ending in XXXX on XX/XX/year>. The site did not show that the payment went through. However, it actually duplicated the payment. So, there were XXXX payments scheduled : XXXX ) {$500.00} on XX/XX/XXXX ; XXXX ) XXXX on XX/XX/XXXX, a duplicate ; and XXXX ) {$500.00} on XX/XX/XXXX. I attempted to cancel the duplicate payment and schedule payment online, but I received the following message : We are sorry, something went wrong. Please try again later. I logged in from my computer and cell phone. I also tried the mobile app. I used different browsers including XXXX, XXXX XXXX, XXXX XXXX, and XXXX. However, the message, We are sorry, something went wrong. Please try again later. continued to appear. I called ( XXXX ) XXXX on XX/XX/XXXX to get assistance, but I did not reach anyone. I called several other Citi numbers to rectify the issue. Finally, I reached someone at XXXX XXXX Bank and they refused to report the issue to XXXX Information and Technology Department, to Technology Support, to a Supervisor, or to anyone who might be able to assist. I called ( XXXX ) XXXX again on XX/XX/year>, and spoke to multiple people including XXXX ; XXXX, whom I spoke with twice ( the second time, she put me on hold for over an hour and then hung up on me ) ; XXXX ; XXXX, a couple of employees from the Lending Department ; and an employee from Tech Support. Some of them said that they could not see the payments and some said that they could ; all but XXXX of the employees worked in the XXXX Department the other employee from XX/XX/year> was in the XXXX XXXX Department. Citibank refused to assist with canceling the duplicated XX/XX/year> payment or the payment scheduled for XX/XX/year> and they also refused to get the appropriate support to ensure the Citibank website errors were addressed. Instead, the employees persisted with transferring me from person to person and hanging up on 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 monetary relief
Consumer complaint received 2025-05-05 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: IA

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX late payment on my student loan account serviced by XXXX, which appears on my credit report. This negative entry is incorrect and has resulted in a severe drop in my credit score by XXXX points, despite the fact that I was not properly notified and was still eligible for deferment at the time of the alleged delinquency. 

On Monday, XX/XX/year>, I contacted XXXX regarding this matter. A representative informed me that this reporting was an error and that my account should have remained in deferment. Initially, I was told the issue could be resolved by retroactively correcting the reporting, and that the late payment would be removed. However, XX/XX/XXXX I was later informed that this correction could no longer be made, which contradicts the original resolution I was given. 

To date, I have not received any XXXX or XXXX late notices, nor any formal notification that repayment had begun. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit history. Reporting this late paymentwhen I was eligible for deferment and not properly notifiedis both inaccurate and damaging.

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

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX late payment on my student loan account serviced by XXXX, which appears on my credit report. This negative entry is incorrect and has resulted in a severe drop in my XXXX XXXX by XXXX points, despite the fact that I was not properly notified and was still eligible for deferment at the time of the alleged delinquency. 

On Monday, XX/XX/year>, I contacted XXXX regarding this matter. A representative informed me that this reporting was an error and that my account should have remained in deferment. Initially, I was told the issue could be resolved by retroactively correcting the reporting, and that the late payment would be removed. However, XX/XX/XXXX I was later informed that this correction could no longer be made, which contradicts the original resolution I was given. 

To date, I have not received any XXXX or XXXX late notices, nor any formal notification that repayment had begun. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit history. Reporting this late paymentwhen I was eligible for deferment and not properly notifiedis both inaccurate and damaging.

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 2025-05-05 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: GA

Complaint narrative:
I had recently disputed the XXXX XXXX account that was on my credit report under the consumer credit laws and the account was deleted removed off my credit report initially after a round of disputes but then was added back to credit report after the investigation was done which I believe was a inaccurate investigation conducted by TransUnion

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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