vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company is reporting charge off on consumer report and failed to send 1099C after asking verbally and written

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
: DEMAND FOR IMMEDIATE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES DUE TO IDENTITY THEFT This letter serves as an official dispute and legal demand for the immediate removal of unauthorized credit inquiries from my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I have been a victim of identity theft, and I did not authorize the hard inquiries listed below on my credit report. These inquiries are fraudulent and are clear violations of the laws designed to protect consumers like myself from unauthorized use of personal and financial information.

The following laws apply to this dispute : 15 U.S. Code 1681b ( c ) & ( f ) : Prohibits the obtaining of a consumer report without a permissible purpose.

15 U.S. Code 1681c-1 : Protects victims of identity theft and prevents unauthorized access to consumer reports.

15 U.S. Code 1681g ( e ) : Requires informing consumers of identity theft-related information.

15 U.S. Code 1681i : Requires reinvestigation and removal of unverifiable or inaccurate items.

15 U.S. Code 1681m ( g ) : Mandates procedures for addressing and preventing identity theft. 
Inquiries to Be Removed :. XXXXXXXX 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/year> I demand these inquiries be permanently removed from my credit report within 30 days of receipt of this notice as required by law. Failure to comply will result in immediate legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals office for willful noncompliance and negligence. This is a final notice. You are now on record and under legal obligation to act. I expect a written confirmation of the deletion of these fraudulent inquiries within the legally required timeframe

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Attn : Credit Bureau Disputes / Correspondence XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute and Request for Validation of Alleged Account To Whom It May Concern, I am writing to dispute the validity of an account you are reporting and/or attempting to collect in my name. The details of the alleged account are as follows : Creditor : XXXX  XXXX Account Number- XXXX This is a formal request for validation and verification of the alleged debt. I dispute the accuracy and completeness of the information you are furnishing. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and where applicable under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide the following : A copy of the original signed contract or application creating the alleged obligation.

A complete account-level history, including all statements, charges, payments, fees, and interest. 
Documentation establishing XXXX XXXX  legal ownership and right to collect or report this account. 
Chain of title, assignment, or transfer records ( if applicable ).

Evidence that the information furnished to the credit reporting agencies is accurate, complete, and in compliance with the FCRA.

If you are unable to produce the above documentation, you must immediately : Cease all collection activities ; and Request deletion of the account from all consumer reporting agencies to which you have reported it.

Please treat this letter as a formal dispute of this account. I request your full response within 30 days of receipt, as required under applicable federal law. Failure to comply may result in legal action to enforce my rights under the FCRA, FDCPA, and any other applicable statutes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of late payment accounts on my credit report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 
I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In light of the XXXX CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Transunion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 2025-08-22 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: MD

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 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I am filing a complaint against Exeter Finance ( XXXX, TX ) and XXXX XXXX for violations of the Military Lending Act and other consumer protection laws. I was sold a defective vehicle with known safety recalls, financed through Exeter, and forced into an arbitration clause that was bundled with GAP and warranty add-ons I could not cancel despite repeated requests. This contract structure is unlawful under the MLA as they did not verify my MLA status prior to offering the contract. While my dispute was pending in XXXX arbitration, Exeter illegally repossessed and sold the vehicle even after I notified them that their conduct violated the Military Lending Act. Their actionsincluding denial of cancellation rights, deceptive contracting, unsafe vehicle sale, and repossession during active arbitrationhave caused financial harm, placed me and my children at risk, and stripped me of protections guaranteed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
In XX/XX/year>, PayPal restricted access to my account funds, stating I was receiving too many payments. As a result, a portion of my balance was placed on hold and I was told I would not be able to access the money until XX/XX/year>. 

To resolve the issue, I attempted to refund a customers order, believing that PayPal would simply use the held funds to return the money to the buyer. Instead, PayPal withdrew the refund amount from my available balance funds that were already mine and not under review. PayPal kept the original held funds locked until XX/XX/XXXX, meaning I was effectively penalized twice : once by losing access to my incoming payments, and again by having PayPal take money from my available balance. 

I have contacted PayPal, but they have not released the funds or explained why my available balance was used instead of the held funds. This practice has left me unable to access money that rightfully belongs to me and has caused financial hardship. 

I am requesting that PayPal immediately release the funds they are holding and correct their practice of using available balances when held funds already exist for a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Money kept being XXXX from my account without me authorizing it. Bank took no responsibility and never refunded me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TN

Complaint narrative:
I noticed a fraudulent credit activity on my credit report that I did not authorize or initiate. These accounts student loans does not belong to me and appears to have been opened or attempted without my knowledge or consent. I am concerned that my personal information may have been used fraudulently. Please investigate and remove this item from my credit report as soon as possible.Here attached is my ftc report with the fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agencies are in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate late payments on my student loan accounts, despite my prior disputes. 

Under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable reinvestigation and delete any unverifiable or inaccurate information. 

Under 15 U.S.C. 1681e ( b ), they must ensure that all information reported is complete and accurate. 

The bureaus have failed to comply, causing financial and reputational harm. 

This matter is further compounded by the XXXX XXXX XXXX XXXXXXXX ( XXXX ) gaining unauthorized access to sensitive borrower data, including Social Security numbers, bank details, and income records. XXXX  interference with the XXXX XXXX XXXX XXXX, as confirmed by recent Senate investigations and federal court rulings, constitutes a violation of the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( XXXX ). 

The high-profile case involving XXXX XXXX XXXX XXXX XXXX how borrower data has been mishandled and raises serious concerns that my own student loan data may have been unlawfully accessed and misused. By continuing to report false late payments sourced from compromised systems, the credit reporting agencies are complicit in violating my consumer rights and privacy protections.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agencies are in violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate late payments on my student loan accounts, despite my prior disputes. 

Under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable reinvestigation and delete any unverifiable or inaccurate information. 

Under 15 U.S.C. 1681e ( b ), they must ensure that all information reported is complete and accurate. 

The bureaus have failed to comply, causing financial and reputational harm. 

This matter is further compounded by the XXXX XXXX XXXX XXXXXXXX ( XXXX ) gaining unauthorized access to sensitive borrower data, including Social Security numbers, bank details, and income records. XXXX  interference with the XXXX XXXX XXXX XXXX, as confirmed by recent Senate investigations and federal court rulings, constitutes a violation of the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( XXXX ). 

The high-profile case involving XXXX XXXX XXXX XXXX XXXX how borrower data has been mishandled and raises serious concerns that my own student loan data may have been unlawfully accessed and misused. By continuing to report false late payments sourced from compromised systems, the credit reporting agencies are complicit in violating my consumer rights and privacy protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
on XX/XX/year> my father XXXX XXXX. my sister informed shellpoint that my father had XXXX XXXX and they cut communication with my sister and stopped taking payments from my sisters bank account. my sister had been the point of contact on the mortgage as my dad was in a rehab facility for about 2 years as he had gone through a bunch of surgeries. so once they stopped communication, which according to some of the things we had found out through doing our research is the mortgage company should have assumed my sister was going to be the successor in interest of the account as she was the point of contact. and also we were told there is supposed to be a 6 month forbearance time when someone passes which we were not given. so we had to go through the courts in florida to be listed as the successor in interest. once we did that in XXXX of this year shell point then told us we had to go through all of these procedures in order to get the loan up to date. they made us jump through a bunch of hoops that took months to get through. and whenever we got through one step they would come up with another step. over time the house went into foreclosure and i was served by the courts in florida that i was being sued for the amount of the loan or the foreclosure of the house. they have repayment plans but none of this was offered in XXXX when i was named successor in interest and they waited until the mortgage had been so far past due that it would almost be impossible to come back from. we have all of our conversations with the VA and shellpoint that are documented through emails. also, all of the loan servicers we had all had different answers and processed they wanted us to go through and when we would ask one servicer why we were told one thing we would get an im sorry the other person gave you the wrong information and that they couldnt explain why we were told to do certain things and that all prolonged the process. this entire process has been awful, complicated, overwhelming and a complete struggle. shellpoint has done nothing to help us resolve the situation and has only made the situation a complete nightmare

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation