vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
On XX/XX/year>, I reserved a room at XXXX XXXX through XXXX for one night on Sunday XX/XX/year>. The XXXX system froze up while placing the order and I never did get confirmation so I replaced the reservation. My credit card was then charged 2 times for {$120.00} on XX/XX/year> & again on XX/XX/year> when it only should have been once. The hotel had contacted us that there was an issue with the facilities so we could cancel our order if needed which we did. We were then refunded XXXX time on XX/XX/year> but we were never refunded for the second charge. For some reason, both my credit card company ( Capital One ) and XXXX is havign a hard time understanding that there were 2 charges for the same reservation and they keep saying it was refunded on XXXX where only one was refunded but not the original duplicate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am filing a complaint regarding a bankruptcy record that is being inaccurately reported on my credit report. I did not file for bankruptcy, nor did I authorize or initiate any such legal proceeding. This public record is the result of identity theft and/or inaccurate third-party data reporting. I have already submitted formal disputes with the credit bureaus, along with documentation including : My government-issued ID and Social Security card An FTC Identity Theft Report and/or police report ( if applicable ) A letter from the bankruptcy court stating they do not verify or furnish data to credit reporting agencies Despite this, the bankruptcy remains on my credit report. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681i Failure to properly reinvestigate and delete disputed information FCRA 1681c-2 ( 605B ) Failure to block identity theft-related data FCRA 1681e ( b ) Reporting data that is not maximally accurate or verifiable Bankruptcy courts do not furnish data any third-party sourcing must be verifiable, which in this case, it is not

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 2025-12-22 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: NY

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 15 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 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I received my Capital One card two months ago. I paid my first payment on time before my due date. I used some of my card balance a few days after making my payment. I then tried to go back into my bank account and make another payment. I was only making another payment to keep my account balance from being so high. That extra payment that I made didn't go through with my bank. I called Capitol One and discuss the extra payment with them, they told me not to worry about it I can just wait and pay my regular payment on XX/XX/XXXX. Which that is my next due date. Well Capitol One took it upon themselves and just closed my account on their own. My account had only been open for two months. Which means I was only able to make one full payment. Capitol One closing my account dropped my credit score by XXXX points. This is unbelievable. I was in the process of buying a house. Now I can not do that because of Capitol One. They had no right to just close someone account because they assume it was fraud or whatever they assumed. My credit has dropped XXXX points. It will take a year or more to get those points back. I hate Capitol One and I will NEVER get another card with them again in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I am a XXXX XXXX  employee at XXXX XXXX XXXX Kentucky University ). My loans are currently in an Administrative Forbearance until XX/XX/XXXX due to the SAVE plan litigation and the XX/XX/XXXX settlement. I am officially requesting to OPT OUT of this forbearance immediately. I want to be moved to the Income-Based Repayment ( IBR ) plan so that my monthly paymentswhich should be {$0.00} based on my income of $ XXXX and family size of XXXXwill count toward my Public Service Loan Forgiveness ( PSLF ). I have tried to contact MOHELA via phone and email ; their email is invalid and their phone wait times are excessive with no secure messaging option available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Incorrect Late Payment Reporting During Disaster Forbearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint XXXX XXXX XXXX  I am filing this complaint because XXXXXXXX XXXX XXXXXXXX misrepresented the terms of a federally declared disaster forbearance and then reported late payments to the credit bureaus, in violation of federal disaster relief guidelines and the CARES Act. After the loan was sold, XXXX continued to report these late payments despite my efforts to resolve the issue. 

XXXX XXXX XXXX XXXX Timeline & Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My area was declared a federal disaster zone due to XXXX  XXXX ( XXXX XXXX XXXX  [ insert number if available ] ). 
XXXX contacted XXXX XXXX XXXXXXXX XXXX request a forbearance, as permitted under federal disaster relief and the CARES Act. 
XXXX XXXX XXXX XXXX XXXX  approved forbearance XXXX XXXX and assured me that as long as I was current when entering forbearance, I would not be reported as late during the forbearance or deferment period. 
- During the deferment process XXXX XXXX  repeatedly requested additional documents, causing delays and uncertainty. 
- Despite my compliance, XXXX sold my loan to XXXX before finalizing a deferment. 
XXXX XXXX XXXX  Immediately after transfer XXXX XXXX XXXX XXXXXXXX began foreclosure proceedings, requiring me to pay {$16000.00} to save my home. 
XXXX XXXX XXXX Credit Reporting XXXX XXXX XXXX XXXXXXXX reported me as late to the credit bureaus during the forbearance/deferral period, contrary to their assurances and federal guidelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My other mortgage company granted forbearance and deferment without paperwork and did not report any late payments. 


XXXX XXXX Requested Resolution XXXX XXXX XXXX XXXX  I request that the CFPB require XXXX XXXX  XXXX and XXXX to : XXXX. Immediately correct my credit reports to remove all late payments reported during the forbearance and transition period, in accordance with the CARES Act and federal disaster guidance. 
XXXX. Provide written confirmation that my account was not delinquent during the forbearance period. 
XXXX. Prevent further negative reporting related to this forbearance. 

XXXX XXXX XXXX XXXX  Additional Notes XXXX XXXX XXXX XXXX I relied on the servicers representations and federal disaster relief protections. 
- The negative credit reporting has caused significant financial and emotional harm. 
- I am requesting urgent review and intervention to correct this injustice. 

XXXX XXXX XXXX XXXX Thank you for your attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MI

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 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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: IL

Complaint narrative:
I financed a vehicle through CarMax Auto Finance on XX/XX/XXXX at the Carmax in XXXX. Under the loan agreement, I was required to maintain full coverage insurance, and CarMax Auto Finance was responsible for verifying insurance and notifying me if coverage did not meet loan requirements. 

My insurance policy was active at the time of purchase. At no point was I notified by CarMax Auto Finance that my policy lacked collision coverage or failed to meet loan requirements. 

On XX/XX/XXXX, my vehicle was involved in an accident and was later determined to be a total loss. After the accident, I was informed that my insurance did not include collision coverage. This was the first time I became aware that my coverage was considered insufficient. 

I contacted CarMax Auto Finance on XX/XX/XXXX and was told they could not assist and that insurance was solely the customers responsibility. CarMax Auto Finance has not provided documentation showing that insurance was properly verified or that I was notified of insufficient coverage within the required timeframe. 

Had I been notified that my coverage did not meet loan requirements, I would have immediately corrected the issue. The failure to verify and/or notify directly resulted in significant financial harm, including an uncovered total loss and continued loan obligation. 

I am requesting that CarMax Auto Finance review this matter as a loan servicing and insurance verification failure and provide appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MA

Complaint narrative:
I have found some incorrect personal information being reported on my file, and I want it to be FIXED. My full name is XXXX XXXX XXXX, I found a variation of my name which is XXXX and this variation does not match my last name, I want this to be FIXED and be updated to my correct last name. I live in XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, but, I found an incorrect spelling of my address which is XXXX XXXX XXXX I want this to be FIXED and be updated to my correct address. The are also several numbers on my file that are incorrect, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I want these telephone numbers removed from my file. I also noticed an inquiry that I did not give consent. This inquiry was made without my knowledge, consent, or expressed written authorization, which is a direct violation of my rights under the FCRA 15 USC 1681b ( 2 ). The inquiry in question is XXXX XX/XX/year>, I disputed this last time but they failed to removed it. If this goes on, this will be similar to XXXX and TRANSUNION case where Transunion was found violating the FCRA for failing to update the inquiries.

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 2025-12-22 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: CO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

USC 1681 ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent - This is not mine - please remove thisfrommyreport!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 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: TX

Complaint narrative:
This complaint against credit reporting agencies experien, equifax and TransUnion as all three refuse to update, correct and remove items from my credit report that have been resolved. At times it appears to be removed and then it pops back up as delinquent and missed payments when the account is dissolved and closed. It is for Texas Attorney General. Child support payments. I have sent the credit agencies a copy of a count order XXXX times as well as disputed this item several times since it was resolved between myself and the Texas Attorney General office in XX/XX/year>. It remains on my credit report as a negative mark and is affecting the status deeply.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint against credit reporting agencies experien, equifax and TransUnion as all three refuse to update, correct and remove items from my credit report that have been resolved. At times it appears to be removed and then it pops back up as delinquent and missed payments when the account is dissolved and closed. It is for Texas Attorney General. Child support payments. I have sent the credit agencies a copy of a count order XXXX times as well as disputed this item several times since it was resolved between myself and the Texas Attorney General office in XX/XX/year>. It remains on my credit report as a negative mark and is affecting the status deeply.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA XXXX ( b ) and XXXX, causing financial harm and violating my privacy.

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 2025-12-22 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:
EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE DISPUTES THAT ARE THE CAUSE OF FRAUD AND IDENTITY THEFT. IGNORING MY FTC REPORT, POLICE REPORT, ETC. I HAVE DISPUTED THIS INFORMATION SINCE XXXX WHEN ACCOUNT WAS OPENED AT XXXX XXXX XXXX IN WHICH THE CAR WAS PURCHASED. NO ONE HAS ATTEMPTED TO ASSIST WITH THIS MATTER THAT CONTINUES TO COST ME FINANCIALLY AND MENTALLY. THE ADDRESS ON LETTER XXXX XXXX SENT TO CFPB IS NOT MINES AND NOR HAVE I EVER LIVED AT XXXXXXXX XXXX XXXX XXXX, TEXAS, XXXX. 

XXXX XXXX HAS NOT FURNISHED ME WITH Copies of the application used to open the account. 
Transaction records ( receipts, signatures, IP addresses ). 
Any other business records related to the fraudulent account. 

AN AUTO LOAN WAS OPENED IN MY NAME AT XXXX XXXX XXXX XXXX WITHOUT MY CONSENT IN THE AMOUNT OF {$60000.00}. THE AUTO WAS NOT REPOSSESSED FROM ME ARE MY HOME THAT I HAVE BEEN RESIDING AT WITH MY PARENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TEXAS XXXX, SINCE XX/XX/XXXX. I HAVE NEVER SIGNED ANY CONTRACT BEARING MY SIGNATURE FOR ANY AUTO LOAN WITH XXXX XXXX. MY NAME IS XXXX XXXX XXXX XXXX, THIS ACCOUNT NAME IS XXXX XXXX, THAT IS NOT ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief