vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I disputed a charge on my Capital One credit card for services that were never provided by a third-party biller. The transaction appeared on my statement in XX/XX/year>, but the failure to deliver the services was not clear until roughly 90120 days later, when it became evident that nothing would be performed. I filed my dispute promptly upon discovering that the services were not rendered.I filed my dispute as soon as the non-delivery became known. 

Capital One later stated that a letter dated XX/XX/year> requested additional documentation by XX/XX/year>. That message was sent only by email and was automatically routed to my spam folder, so I never saw it. Because I was unaware of the request, I did not respond until XX/XX/year>, when I learned the case had been closed. 
Since then I have repeatedly contacted Capital One, faxed and emailed supporting documents, and asked that the case be reopened. Each time Im told the dispute was filed too late and can not be reopened. Capital One has not provided a clear written explanation of its findings or confirmed that my evidence was ever reviewed. 

Under Regulation Z, 12 CFR 1026.13 ( b ) ( 1 ), the 60-day period for reporting a billing error begins after the first periodic statement on which the error appeared is transmitted to the consumer. The CFPBs Official Interpretation clarifies that this deadline applies only once a consumer could reasonably identify an error from the information provided. Because the service failure was not apparent until months after billing, the alleged error was not discoverable within 60 days. 

Furthermore, Regulation Z 1026.13 ( f ) requires a reasonable investigation and a fair opportunity for the consumer to present information. Reliance on a single unconfirmed email that went to spam does not constitute reasonable notice. 

I am requesting that Capital One be directed to reopen or reinvestigate the dispute, review the documentation I have supplied, and issue a written explanation of findings in compliance with Regulation Z and the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
XXXX XXXX XXXX Bank XXXX. has charged off my mortgage account, which is now closed and settled within their books and records. Thereafter, another mortgage company purportedly purchased the same debt, constituting a commercial dishonor and violation of lawful contract principles, as an extinguished debt can not be reassigned or sold. 

XXXX XXXX  has no original contractual nexus with me and is unable to produce any wet-ink signature or verified affidavit bearing my consent or authorization, as required under UCC 3-401 and common-law contract doctrine. 

Accordingly, I hereby demand that XXXX XXXX XXXX remove any and all record or filing related to this closed mortgage from every public record, credit repository, and reporting system, as it no longer represents an active or enforceable obligation.

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 2025-11-03 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-03 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: MI

Complaint narrative:
I am disputing the following accounts and inquiries on my Experian credit report. Please review them for accuracy and remove any unverifiable information per the Fair Credit Reporting Act. 

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 XXXX XXXXXX/XX/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 2025-11-03 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: FL

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information appearing on my credit report. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ), I request that you investigate the accounts listed below and remove any information that can not be fully verified or is reporting inaccurately. 
Accounts Under Dispute : - XXXX  XXXX XXXX Charge Off $ XXXX XXXX XXXX Charge Off $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection $ XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX  Collection {$1700.00} These accounts contain reporting discrepancies and incomplete information. I am requesting : - A full reinvestigation of each account- Documentation validating the accuracy and legality of reporting- The original signed agreement and full accounting history- Verification that each furnisher has the legal right and permissible purpose to report If full documentation can not be provided, you are required to delete the accounts under the FCRA. Please also provide your method of verification as required by 15 U.S.C. 1681i ( a
) ( 7 ).

Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney General. 
Please mail all results and documentation to the address listed above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: DISCOVER BANK
State: AR

Complaint narrative:
I am working with XXXX XXXX and Discover reduced by payment by {$1500.00} since XXXX of XXXX  and I am paying Discover back monthly thru XXXX. I received a refund from XXXX XXXX for a refrigerator on XX/XX/year> for {$730.00} which I purchased with my Discover card. The refund went back to my Discover card. I tried to get it the refund but Discover kept it. It did not get applied to my XXXX account, it went to the amount they reduced me by. I have a contract with XXXX and Discover approved it this amount. I feel the refund should have gone to me or at least to the contract Discover agreed to with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
On XX/XX/XXXX, I obtained my Experian credit report and identified several inaccuracies involving both closed accounts and unauthorized hard credit inquiries. Despite submitting formal disputes to Experian, Equifax, and TransUnion, the information remains uncorrected. 
Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and reported closed XX/XX/XXXX. The account shows XXXX, XXXX, and XXXX late payments for XX/XX/XXXX through XX/XX/XXXX, even though the loan was fully paid and closed. 
XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX and charged off in XX/XX/XXXX for {$530.00}. No prior written notice of charge-off was received, and the balance was previously settled. 
These items appear to violate the FCRA Section 611 ( 15 U.S.C. 1681i ), which requires that inaccurate or unverifiable information be corrected or removed after a reasonable reinvestigation. The accounts remain misreported, despite prior disputes and evidence submitted. 
Unauthorized XXXX Inquiries : Between XXXX and XX/XX/XXXX, multiple hard inquiries appeared on my credit report that were not initiated or authorized. These inquiries include, but are not limited to : 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries were disputed under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and Section 609 ( e ) regarding information resulting from identity theft. Supporting documentation, including an Identity Theft Report filed through XXXX, was sent to all three credit bureaus on XX/XX/XXXX. 
Actions Taken : Formal disputes mailed to Experian, Equifax, and TransUnion on XX/XX/XXXX, requesting reinvestigation and removal of unauthorized inquiries and inaccurate account data. 
Supporting documentation included identity verification, proof of address, and the FTC Identity Theft Affidavit. 
As of this date, no corrections, deletions, or written investigation results have been received.

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 2025-11-03 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: PA

Complaint narrative:
Dear CFPB Representative, I am submitting a formal complaint regarding several inaccurate and potentially unverified negative accounts appearing on my credit reports. Despite prior attempts to resolve these matters directly with the credit bureaus and furnishers, the disputed information remains. I am therefore requesting your assistance in conducting a full investigation under the Fair Credit Reporting Act ( FCRA ) and ensuring that unverifiable or inaccurate data is corrected or removed. 

Below are the accounts in question and the reasons for my dispute : XXXX XXXX XXXXXXXX Reported as 30 days late ( XXXX time ). I dispute this late payment as inaccurate and request verification or removal. 


XXXX XXXX XXXX  Reported as installment, unpaid balance, reported as a loss. I do not recognize this debt and request full validation of ownership and balance. 

XXXX XXXX Reported as 30, 60, and 90 days late, unpaid balance reported as a loss. I dispute the accuracy of these late payments and the reported charge-off. 

XXXX Listed as Negative. I request clarification and documentation of the negative entry ; otherwise, please remove it. 

XXXX XXXX XXXX XXXX Reported as 30, 60, and 90 days late ( XXXX times ). I dispute this as inaccurate and request review and correction if unverifiable. 

XXXX XXXX Reported multiple 30, 60, and 90 days late entries and unpaid balance reported as a loss. I dispute the completeness and accuracy of these reports and request validation. 

In accordance with FCRA 611, please require the credit reporting agencies and furnishers to verify the accuracy of these items. If they can not substantiate the data with original documentation, these entries should be promptly deleted or corrected. 

Enclosed/attached are copies of my identification and supporting documentation to assist with your investigation. 

Please provide written confirmation once your review is complete, including the results and any corrective actions taken. 

Thank you for your attention and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
Dear CFPB Representative, I am submitting a formal complaint regarding several inaccurate and potentially unverified negative accounts appearing on my credit reports. Despite prior attempts to resolve these matters directly with the credit bureaus and furnishers, the disputed information remains. I am therefore requesting your assistance in conducting a full investigation under the Fair Credit Reporting Act ( FCRA ) and ensuring that unverifiable or inaccurate data is corrected or removed. 

Below are the accounts in question and the reasons for my dispute : XXXX XXXX XXXXXXXX Reported as 30 days late ( XXXX time ). I dispute this late payment as inaccurate and request verification or removal. 


XXXX XXXX XXXX  Reported as installment, unpaid balance, reported as a loss. I do not recognize this debt and request full validation of ownership and balance. 

XXXX XXXX Reported as 30, 60, and 90 days late, unpaid balance reported as a loss. I dispute the accuracy of these late payments and the reported charge-off. 

XXXX Listed as Negative. I request clarification and documentation of the negative entry ; otherwise, please remove it. 

XXXX XXXX XXXX XXXX Reported as 30, 60, and 90 days late ( XXXX times ). I dispute this as inaccurate and request review and correction if unverifiable. 

XXXX XXXX Reported multiple 30, 60, and 90 days late entries and unpaid balance reported as a loss. I dispute the completeness and accuracy of these reports and request validation. 

In accordance with FCRA 611, please require the credit reporting agencies and furnishers to verify the accuracy of these items. If they can not substantiate the data with original documentation, these entries should be promptly deleted or corrected. 

Enclosed/attached are copies of my identification and supporting documentation to assist with your investigation. 

Please provide written confirmation once your review is complete, including the results and any corrective actions taken. 

Thank you for your attention and cooperation.

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 2025-11-03 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified accounts listed on my Equifax credit report. I have disputed these items previously and did not receive adequate validation. 

Accounts in Dispute : PXXXX XXXX XXXX Account # XXXX Reported Charged Off Balance {$1000.00} Date XX/XX/XXXX XXXX  XXXX XXXX Account # XXXX Reported Charged Off Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Balance {$720.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Reported Charged Off Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Date XX/XX/XXXX Inquiry Dispute : XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry, and I request removal in accordance with FCRA

604. Reason for Dispute : These accounts and inquiries may be inaccurately reported or unverifiable. Equifax has not provided sufficient validation or documentation. I am requesting that Equifax re-investigate and delete or correct any unverifiable or inaccurate data under FCRA 611 ( a ) and 623 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
These are inaccurate items. They show as late payments.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against SoFi Bank after a devastating experience with fraud and an unsatisfactory resolution process. 

On XX/XX/XXXX, I deposited {$2200.00} into my new SoFi checking account. I made XXXX small, legitimate in-person purchases that day : {$55.00} at XXXX & XXXX XXXX XXXX XXXX {$2.00} at XXXX 's However , within 48 hours, my account was nearly drained by XXXX large, unauthorized transactions : {$2100.00} at XXXX {$80.00} via XXXX This fraud coincided with a security breach of my personal email accounts. I filed a dispute with SoFi as soon as the fraudulent charges were no longer pending. After I submitted a complaint, SoFi emailed me stating it would take up to 10 days to reach a decision. Yet, almost as swiftly as they made that promise, they denied my claim, asserting without evidence that I had authorized these purchases. 

The denial of my claim and the loss of these funds is terribly damaging to my household 's financial stability and my personal well-being. I took a chance on SoFi for its security promises and have been left feeling financially vulnerable and failed by their protection systems. 

I am now escalating this matter to the CFPB to seek a fair and proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: WA

Complaint narrative:
I am disputing the following charged-off account, inquiries, and late payments on my Experian credit report : Charged Off Accounts : XXXX  : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} Inquiries : XXXX XXXX : Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX : Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : 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 2025-11-03 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: CA

Complaint narrative:
The false information listed provides a misleading picture of my financial conduct. Please update my account to reflect accuracy.

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 2025-11-03 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: TX

Complaint narrative:
I am disputing the following items on my credit report and request a thorough review. I believe these items are inaccurate or incomplete, and I request that they be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} Inquiries : ( No inquiries listed for EQ ) Late Payments : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief