vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
We have roof damage and we were issued a claim check ( XXXX of XXXX ) on XX/XX/year>. We sent it to Roundpoint Mortgage to be endorsed but XXXX lost the check. Our insurance company, XXXX XXXX, re issued another check and stopped payment on the lost check. We overnighted by XXXX and followed all the steps and necessary paperwork and INCLUDED a PREPAID OVERNIGHT RETURN ENVELOPE AND ADDRESS LABEL. We also included the sense of urgency as we need the money to have the damaged roof fixed. We called before we sent this, upon confirmation it was signed for, and XXXX times after. The poor customer service people can't even get to this insurance department and have to leave messages. We escalated this to the XXXX 's office and someone there assured us it would be taken care of. It has supposedly been escalated, but the XXXX XXXX  tracking shows NO MOVEMENT. 

This isn't the first time ROUNDPOINT has been flip regarding their mortgagors ' insurance endorsements. My colleague ended up having to take money from their XXXX because ROUNDPOINT took so long. If this is the case, we will require reimbursement for the withdrawal PENTALY AND TAX IMPLICATIONS. Meanwhile, if we also get a leak, repairs should be on ROUNDPOINT. 

I'm in real estate and will make sure every client of mine knows to stay away from this company unless the claims people endorse the check and use my {$50.00} pre paid over night XXXX XXXX XXXX  XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: PA

Complaint narrative:
My pay has cleared my account the same time every pay week. This week I have no pay and they can not provide any information about my pay. I called my employer to verify they had the right deposit information and they stated the funds were released at midnight XX/XX/year>. I have not received my pay. And they are not able to tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> and atm withdrawal of XXXX was authorized but not my me lost my wallet with my card in it that afternoon the XX/XX/year> i got paid XXXX and they withdrawal XXXX which it wasnt me also I deposit one of my payroll checks of XXXX on XX/XX/year> but for sum reason on XX/XX/year> my daily balance said - XXXX I think that the payroll check the company gave me either was fake or the system was glitch want my solution to fix asap as a dispute please Issue was made on everyday checking ending in 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting and Capital Ones failure to properly investigate my mailed dispute/goodwill request for my Capital One Quicksilver account ending in XXXX. 
Capital One is reporting multiple 30-day late payments ( including XXXX, XXXX, and XX/XX/2024 ) that are not supported by my billing statements or payment records. 
For example : My XX/XX/2024 statement shows payments posted on XX/XX/XXXX and XX/XX/XXXX before the XX/XX/XXXX due date. This month should not be reported late at all. 
My XX/XX/2024 payment posted on XX/XX/XXXX. Even though it was late, it was not 30 days late, and does not meet the FCRA threshold for a 30-day delinquency. 
My XX/XX/2024 payment posted on XX/XX/XXXX, which is also not 30 days late, and there is no evidence in my statements that I was 30+ days past due at any time. 
My billing statements do not show any past-due amounts rolling over for 30+ days, and Capital One has not provided verification that any payment posted 30+ days after the due date. 
This means the late payment reporting is inaccurate, unverified, and not in compliance with the Fair Credit Reporting Act ( FCRA ). 
Additionally, I experienced a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I temporarily lost my income during this period while caring for her. This caused a short period of financial strain, but before and after this XXXX XXXX I maintained perfect payment history. 
I mailed Capital One a written request explaining the situation and asking for an investigation and consideration. Capital One responded with a generic, automated denial letter that did not review my circumstances, did not address any of the documented inaccuracies, and did not verify the reporting as required under the FCRA. 
I am requesting the CFPBs assistance because Capital One : Did not validate the late payments, Did not address the inaccurate 30-day reporting, Did not conduct an individualized investigation, and Provided a template response that did not consider my documentation or hardship. 
I am requesting that Capital One : Conduct a full FCRA-compliant investigation, Provide proof of any true 30-day delinquencies, And update or remove the inaccurate late payments accordingly. 
These late marks are severely impacting my credit despite my long history of responsible account management. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The previous report the company completely missed the point as well as you people. I can not login to this company to get credit reports nor remove freezes etc to apply for new credit. This problem has caused me credit obtaining problems. Where this company got the idea that I was complaining about bad info on my report is totally wrong. I have also made my response to this complaint answer and for some reason you have dismissed my response which shows on the complaint plus you have closed this complaint achieving nothing. Thanks for nothing.

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 2025-11-14 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: MA

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on 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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-14 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: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-14 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-14 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: SC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-11-14 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: CA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-14 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I was a XXXX  of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX OF XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hey, I am writing this complaint again for the second time. I had filed your company a dispute last month which I clearly described the accounts that were fake and in question, there are still accounts on my credit report that should not be there. Your company 's carelessness is making me stressed and hurting my mental health.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-14 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX regarding the late payments they have reported on my credit card accounts during a period of verified medical hardship. XXXX XXXX has not provided any evidence to confirm the accuracy of these late marks, and they have not completed a fair or individualized review of my goodwill request. 
In XXXX, I experienced a severe and unexpected medical crisis when my daughter was born prematurely at XXXX weeks gestation. She required multiple emergency surgeries, including removal of her eye, and spent XXXX  months in the XXXX. I had to leave my job and temporarily relocate to another state to care for her full-time. This resulted in an unexpected loss of income and significant financial hardship. 
The late payments on my XXXX XXXX accounts occurred during this medical emergency. Before this hardship, I maintained a perfect payment history. After the hardship ended, I immediately resumed on-time payments and have maintained perfect payment history ever since. 
I mailed a goodwill request to XXXX XXXX explaining my hardship, supported by medical circumstances. XXXX XXXX did not acknowledge the hardship or conduct an individualized review. Instead, they continue to report the late payments without providing any documentation or proof that the late payments were XXXX days past due as required under the FCRA XXXX 
I am not disputing that I struggled during a medical crisis. I am disputing whether XXXX XXXX has properly verified the accuracy of the late reporting, and I am requesting that they perform a fair review consistent with the FCRA and their own member-support policies. The late marks from this period of hardship continue to severely damage my credit despite my otherwise responsible payment history and the fact that the hardship was temporary and medically unavoidable.

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