vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
So in XXXX I applied for a credit card just to help my overall credit limit so I got the card through capital one who I have XXXX other cards through. When I received the card I never even added it to my capital one app and it went straight to my safe. Well I try not to use my credit and pay cash for everything but I decided to check my credit in XX/XX/XXXX and there was a charged off account and it was that account, so naturally I disputed it the company keeps coming back and verifying it as accurate and reported correctly even know I didnt make the charge on the account I had another card get closed that had a XXXX dollar balance I have XXXX other capital one cards and have always paid my payments and never missed or been late, Im just dissatisfied at the fact that I didnt make that charge and dont know know what to do. I didnt even have acsess to look at the statements as I never even added it to my mobile app or I would of disputed the charge then, this has tanked my credit, so I paid the XXXX dollar charge off, and have disputed multiple times with with no luck I even tried a goodwill request with no luck as I didnt even know that there was a balance on that card since I didnt make the purchase/ purchases

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$26000.00}, XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$1800.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am unable to access my credit card rewards or view them via the website or mobile app. I had to call and waste about XXXX hours on the phone, and then the tech team asked me to send screen shots to confirm what was transpiring. At one point the representative on the phone stated that perhaps my rewards has gone away. I pointed out that my terms and conditions have not changed and that practice is illegal as consumers MUST be informed of any changes. 
USBANK has not provided a definitive timeline for a fix and I am unable to review and reedem rewards online as it is pointed out in my terms and conditions. The issue on the website started in XXXX this year, the mobile app has never worked. I have pictures to prove this technical error and also have an email history citing their vague response. 

What's even more concerning is they pull the bait-and-switch and attempt you to signup and pay for some sort of 'Smart Rewards. ' Not ethical at all!!!!

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 2025-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denali Capital Holdings, LLC
State: GA

Complaint narrative:
They will not abide and Apply SCRA to the debt. SCRA IS A FEDERAL LAW! Title code 50 U.S.C. 3937 Ive asked for them to stop adding the interest to my debt from the date of me joining XXXX XXXX. XX/XX/year>. They said they dont know about it or they dont handle that stuff, that I need to contact original creditor. SCRA follows the debt not the creditor. The debt was sold and they own it, so it falls on them. I have XXXX  orders as well. They will not abide by SCRA laws under title code 50 U.S.C to stop charging the interest and should lower it to 6 % from the date of joining XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because Equifax has failed to update my address on my credit report despite multiple requests. 

I first contacted Equifax by phone to request that my current address be added to my credit file. I was instructed to provide supporting documentation, which I did. I mailed/attached copies of my government-issued ID, Social Security card, and a recent utility bill reflecting my current address. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Despite following their instructions and providing all required documentation, Equifax has not updated my credit report to reflect my address. This failure to maintain accurate and complete information is preventing me from having a fully accurate credit file. 

I am requesting that Equifax immediately update my credit report to include my address as provided in the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
I am filing this complaint against XXXX regarding Account XXXX. XXXX. 

This furnisher is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 7 ) for the following reasons : Failure to Provide Notice of Negative Information Under 623 ( a ) ( 7 ), furnishers must provide a distinct written notice to the consumer no later than 30 days after furnishing negative information to a consumer reporting agency. I never received any such notice. 

Inconsistent and Misleading Reporting My credit reports ( TransUnion, Experian, Equifax ) reflect that the account is Paid/Closed with a {$0.00} balance and status Current, yet derogatory late payments continue to be furnished. Reporting an account as paid/current while simultaneously keeping late history creates a materially misleading impression of my creditworthiness, violating 623 ( a ) ( 1 ) ( A ).

Procedural Defects The furnisher has failed to produce verifiable documentation of compliance with 623 ( a ) ( 7 ) and can not substantiate the accuracy of derogatory reporting on a paid/closed account.

I demand that the furnisher be compelled to : Immediately correct the tradeline to report as Paid as Agreed/ Never Late, OR Permanently delete the tradeline from all consumer reporting agencies. 

Their ongoing noncompliance continues to cause damage to my creditworthiness. I request prompt enforcement action by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I contacted the company in XX/XX/year> of my new address. Immediately my account was flagged and I lost access to my online account access to see if there was fraud or what I owed. I called numerous times because I didn't want to be delinquent and wanted to know what happened. No one ever asked me any questions about purchases to see if they were fraudulent or not, nor did they contact me regarding potential fraud. ( I did have fraud previously a year ago and contacted them right away and it was cleared up, someone charged multiple parking meter charges in a state across the country to my card ) I was told to fax my drivers license. I told them in the state of XXXX  it is not required to get a new license when you change address, it is only required to notify them of the new address. I was told that was acceptable. They only accepted faxes and I did not have access to a fax at home or work. I found an online option and faxed them the information in XX/XX/year>. On XX/XX/XXXX, I called to follow up, since I hadn't received a confirmation of their receipt nor did my online access work and was told they received my documents and they were under review. I never heard or received anything else from them. ( XXXX  XXXX, my husband also has a card with them and changed his address and there was not a problem ) Today I received an alert stating a payment was due so I went online to see if I could access the account and I could. However, I noticed an activate card now, so I called because I never received a card. I was informed the account was closed because they never received documents. I escalated it to a supervisor who said, the drivers license was received but illegible, asked her how she knew it was a drivers license then? She claimed they mailed out stuff, but would not confirm which address items were mailed to ( I gave her Both addresses that would correspond, old and new ) She said it was revoked and there was nothing she could do. ( Even though I have a small balance and I make all my payments ) I said so if I reapply then you hit my credit again after hitting my credit with a closed account. She said, " yes ''. These reps and supervisors basically follow a script and have no options for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am writing to formally dispute and seek resolution regarding the handling of my above-referenced Barclays account XXXX which has been closed and transferred to a third-party collection agency. 

Upon contacting Barclays directly, I was repeatedly advised that Barclays was willing to accept a settlement at XXXX  % of the original debt amount and, upon successful payment, issue a deletion letter to remove the account from my credit reports. However, when I contacted the third-party agency currently handling the account, they stated that they were unwilling to honor such an agreement and refused to proceed under the terms communicated to me by Barclays. 

This conflicting information places me in a difficult position as a consumer and raises concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is unclear whether Barclays maintains authority over this account, or if the third-party agency has been given full control, yet the representations made by Barclays have not been honored. 

I am requesting the following corrective actions : Written clarification of the current status of this account ( ownership/assignment ). 

Confirmation of Barclays authority to negotiate settlement terms. 

Enforcement of the settlement agreement repeatedly communicated to me by Barclays representatives : acceptance of XXXX  % of the original balance as payment in full, with written confirmation that the account will be deleted from all consumer credit reporting agencies. 

Immediate cessation of contradictory communication between Barclays and the third-party agency, which misleads and confuses consumers. 

If Barclays is unable or unwilling to resolve this matter directly, I request that you recall the account from the third-party agency and allow me to settle directly with Barclays under the agreed terms. 

Should this matter remain unresolved, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also explore legal remedies for damages arising from misrepresentation and inaccurate credit reporting. 

I request a written response within XXXX days of receipt of this letter.

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 2025-09-06 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: PA

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. 
Please block, delete and remove them immediately from my consumer report. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Accounts : XXXX XXXX XXXX  & XXXX XXXX I previously disputed these accounts directly with the bureau, providing legal demand letters for removal of fraudulent and unverifiable accounts, supporting documentation, and an FTC Identity Theft Report. Despite this, the bureau either verified these fraudulent accounts as accurate or made only minor updates to fields without removing them, failing to conduct a reasonable reinvestigation as required under FCRA 605B ( blocking identity theft information ) and 611 ( reasonable reinvestigation ).

The continued reporting of these fraudulent accounts is directly harming my creditworthiness and preventing access to loans, financing, and other credit opportunities. The bureau has ignored legal notice and failed to comply with federal law.

Requested Resolution : Immediate deletion of all fraudulent and unverifiable accounts.

Updated credit report reflecting these removals.

Written confirmation that these accounts have been fully removed and will not reappear.

Supporting Documentation Attached : Legal demand letters for removal of fraudulent and unverifiable accounts FTC Identity Theft Report CRA dispute investigation results

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 2025-09-06 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: CA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To : U.S. Department of Veterans Affairs Loan Guaranty Service Regional Loan Center Subject : Complaint Regarding Servicing Error on VA Refinance Loan Dear Sir or Madam, I am writing to file a formal complaint regarding a servicing error that occurred after my VA refinance in XX/XX/year>. 

At the time of closing, I had a significant surplus in my escrow account. Shortly after closing, I received a check from Newrez clearly marked as an escrow account refund. Believing this was legitimately mine as an escrow surplus, I deposited and used the funds to pay bills. 

After I cashed the check, Newrez canceled it without notice, which overdrafted my account and caused severe financial hardship. My loan officer advocated on my behalf, and the servicing department then issued me a replacement check for {$7000.00}, acknowledging my financial hardship. 

However, Newrez has now reversed this decision and debited my escrow account, leaving me with an {$11000.00} shortage in property taxes. They are attempting to collect this balance from me, which I can not afford. This has dramatically increased my monthly mortgage payment through no fault of my own. 

This situation was entirely caused by a servicing error : The escrow surplus should not have been disbursed if it was needed to pay taxes. 
I acted in good faith, with no knowledge that the funds were not mine to keep. 
The servicing departments own actions created this financial burden. 
I respectfully request that the VA investigate this matter and assist in correcting the servicing error. Specifically, I am asking that : Newrez take responsibility for the escrow accounting mistake. 
My escrow shortage of {$11000.00} be resolved without further financial harm to me. 
My monthly mortgage payment be recalculated fairly, without penalizing me for the servicers mistake. 
I served honorably, and I entered into this VA loan in good faith. I should not be forced into financial distress due to an error by the loan servicer. 

Please advise on next steps and provide any assistance available. 

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 2025-09-06 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  XXXX, account 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 2025-09-06 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: GA

Complaint narrative:
I am victim of identity theft and I am requesting for Transunion to block and remove these fraudulent accounts and inquiries from my credit report XXXX. XXXX XXXX ACCOUNT NUMBER # XXXX BALANCE : {$16000.00} XXXX. XXXX XXXX ACCOUNT NUMBER # XXXX BALANCE : {$15000.00} XXXX. XXXX XXXX XXXX ACCOUNT NUMBER # XXXX BALANCE : {$4800.00} The following inquiries need to be blocked and removed due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-06 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: Radius Global Solutions LLC
State: MD

Complaint narrative:
I am in the process of purchasing a property and I look at my consumer credit report and I noticed a fraudulent report from collections. This is damaging my credit report and its damaging my character according to 15 USC 1681 COMPANY : RADIUS GLOBAL SOLUTION XXXX Date opened : XX/XX/2025 Amount : {$120.00} A week ago a sent that a certified debt validation letter but have yet to hear back from them pursuant to 15 U.S. Code 1692 ( g )

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 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX, a XXXX late payment was reported on my Exeter XXXX XXXX account. Since then, I have maintained an 18-month perfect payment history with no late payments. I submitted a goodwill request to have this late payment removed or reclassified, which was denied. 

This single late payment is preventing me from qualifying for a mortgage before my lease ends in XX/XX/XXXX. Waiting until the late payment is 24 months old is not a viable option because my rental company does not offer a 6-month lease and month-to-month rent would increase beyond affordability. 

I am requesting a one-time courtesy adjustment to remove or reclassify the XX/XX/XXXX late payment based on my strong payment history since then. 

Account number : XXXX SSN ( last 4 ) : XXXX

Company response to consumer: Closed with explanation