vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding Capital One, N.A due to serious concerns about their business practices and handling of alleged accounts. 
Recently ( XX/XX/year> ), I became aware through an attorney solicitation dated on XX/XX/year> ( not by direct service ) that Capital One, N.A filed a lawsuit against me. At no point did I receive a summons, complaint, or any form of service related to this action. I only learned of the case after it appeared in letter advertised for legal services that stated " based on public records ''. This raises substantial concerns about their compliance with procedural requirements and my due process rights. Upon further review it appears the company once again submit private and personal information to an outdated address, even though I have provided a current address in every correspondence to the company. 
Further, I have consistently disputed inaccuracies and raised concerns with Capital One, N.A regarding the alleged debt. Despite multiple attempts, I have not received the documentation necessary to verify their claims, including but not limited to : A copy of the original contract or agreement allegedly signed by me. 
A complete ledger or accounting reflecting the transactions, payments, interest, and fees. 
Proper validation demonstrating that Capital One, N.A has the legal right to collect on the alleged obligation. 
To clarify, I am not requesting billing statements, as those do not constitute proof that a debt is valid, enforceable, or owed by me. A creditor pursuing litigation should be able to provide foundational documents such as the original contract and a proper ledger, not just recycled account statements. 
To this day, these materials have not been provided. The lack of transparency and failure to supply true verification undermines confidence in the legitimacy of their practices and raises concerns of potential violations of federal consumer protection laws. 
At this time, I am not addressing the merits of the lawsuit itself, which I intend to handle through the proper legal channels. However, I believe it is important to place XXXX XXXX on notice of these concerns. A creditor should not pursue litigation against a consumer without properly serving them or producing the documentation necessary to support their allegations.

I respectfully request that the XXXX  investigate these practices to ensure that, others ( like myself ), are not subjected to unfair, deceptive, or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I am filing this complaint because the credit reporting agencies have failed to properly investigate and delete unverified accounts from my credit report, in violation of the Fair Credit Reporting Act. In XX/XX/XXXX, I mailed a notarized dispute letter identifying multiple accounts as inaccurate, incomplete, and unverified. It has been over 45 days and instead of a proper reinvestigation, I received stall letters stating the accounts were verified. No explanation or documentation was provided as to how this verification was made. I do not believe there was a real investigation, as disputes are processed by automated systems within seconds, which is impossible under the FCRA requirements for reinvestigation. I specifically requested the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), which requires a consumer reporting agency to provide a description of the procedure used to determine accuracy, including the business name, address, and telephone number of any furnisher contacted. This has not been provided. The agencies have also failed under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy in reporting. This conduct shows willful and negligent noncompliance with the law under 15 U.S.C. 1681n and 1681o. My first dispute was filed in XX/XX/XXXX, and these same unverified items are still being reported nearly a year later. Instead of correcting or deleting inaccurate information, the CRAs continue to recycle stall letters, leaving my credit file with false and damaging information. I have kept a paper trail for legal purposes, and I am attaching my dispute letters and a True Bill for damages. In light of recent lawsuits where XXXX  and XXXX  were found in violation of the FCRA for failing to ensure report accuracy, I am demanding immediate corrective action. I request the deletion of all unverified and inaccurate accounts, a proper reinvestigation with real documentation, and full compliance with the FCRA. If this continues, I will pursue legal remedies. The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.

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 2025-10-02 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX was fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-02 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:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
My mortgage company - Planet Home Lending- is claiming in a letter sent on XX/XX/XXXX that I missed my XXXX and XX/XX/XXXX mortgage payments. They are threatening I will lose my home. I have made both XXXX and XXXX payments. 

In XX/XX/XXXX they misapplied a principle payment of {$26000.00} to my account which was not me. They have tried to reverse it and in turn have messed up my mortgage payments. My husband was away for the XXXX XXXX and we are utilizing XXXX benefits . Our mortgage payment lowered during this time. I have never missed a payment. It shows on my account all of my payments made. I have called them twice on XX/XX/XXXX and it sounded promising they were going to look into it and fix it. They let me make my XXXX payment over the phone that day as well. Then XX/XX/XXXX they sent me a letter saying I missed XXXX and XXXX. They also stated during my XX/XX/XXXX phone call that no one has even looked into the XXXX application which I submitted to them in XXXX. I then called again XX/XX/XXXX and the first person I spoke to was telling me Im wrong even though I was looking at the payments directly from my portal. She hung up on me. I called again and could not get through to anyone. 

I am beyond frustrated with Planet as my servicer. They reported to the credit bureaus that my husband and I have missed XXXX payments and in turn our credit scores have lowered almost XXXX points each. We were in the process of trying to sell our home so we could buy a bigger one for our growing family which now we no longer qualify for thanks to Planets error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am filing this formal complaint against multiple credit reporting inaccuracies and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with me and must be removed. 

Disputed Accounts/ Charge-Offs / Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1400.00} ; Opened XX/XX/XXXX Inaccurate Charge Off reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$12000.00} ; Opened XX/XX/XXXX Unverified Late Payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$19000.00} ; Opened XX/XX/XXXX Improperly reported as Charge Off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7400.00} ; Opened XX/XX/XXXX XXXX XXXX unverifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$970.00} ; Opened XX/XX/XXXX Charge Off reporting inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Reported as XXXX XXXX with {$0.00} balance, which is illogical and misleading. 

Disputed Collections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$590.00} ; Opened XX/XX/XXXX Requires full documentation and validation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$290.00} ; Opened XX/XX/XXXX Not validated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$2400.00} ; Opened XX/XX/XXXX Unverified collection account. 

Questionable Inquiries The following inquiries appear unauthorized and without permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FCRA Violations Identified FCRA 1681e ( b ) : Failure to maintain maximum accuracy of credit report information.

FCRA 1681i : Failure to properly reinvestigate disputed accounts.

FCRA 1681s-2 : Data furnishers have reported inaccurate and unverifiable information.

Relief Requested I respectfully request that the CFPB : Remove the wrong address listed above.

Investigate and require validation of all disputed Charge Offs, Late Payments, and Collections. 

Delete any account or collection that can not be fully verified. 

Remove the unauthorized inquiries from my credit file. 

Enforce strict compliance with the FCRA by credit bureaus and furnishers.

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 2025-10-02 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 dispute specific entries in my credit profile tied to accounts not established by me. Kindly review thoroughly and delete them. Supporting documents accompany this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-02 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: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple creditors and furnishers who are reporting inaccurate, unverifiable, and misleading information on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and are causing significant harm to my creditworthiness. 

Disputed Accounts and Issues : XXXX ( Acct : XXXX ) * * Charge-off {$870.00} ; unverified and inaccurate. 

XXXX XXXX XXXX ( Acct : XXXX ) * * Charge-off {$3100.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Charge-off {$2000.00} ; inaccurate reporting. 

XXXX ( Acct : XXXX ) * * Charge-off {$770.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) * * Charge-off {$360.00} ; unverified and inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$3000.00} ; unverified. 

XXXX XXXX  ( Acct : XXXX ) * * Charge-off {$24000.00} ; inaccurate reporting. 

XXXX XXXX ( Acct : XXXX ) * * Charge-off {$19000.00} ; unverified. 

XXXX XXXX XXXX ( Acct : XXXX ) * * Collection {$270.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Collection {$3100.00} ; inaccurate. 

XXXX XXXX Collection {$870.00} ; unverified. 

XXXX XXXX XXXX ( Acct : XXXX ) * * Collection {$1800.00} ; inaccurate. 

XXXX ( Acct : XXXX ) * * XXXX {$1900.00} ; unverified. 

Incorrect Addresses : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Wrongly reported. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Wrongly reported. 

These inaccuracies, unverified charge-offs and collections, and wrong addresses are causing severe damage to my credit profile. 

Legal Violations : FCRA 1681e ( b ) : Furnishers failed to ensure maximum possible accuracy.

FCRA 1681i : Credit bureaus failed to properly investigate and delete disputed items.

FCRA 1681s-2 ( b ) : Furnishers continued reporting inaccurate information after dispute.

Requested Relief : I respectfully request that the CFPB : Conduct a thorough investigation into all listed creditors and furnishers. 

Require documented validation of all disputed accounts. 

Correct or remove all inaccurate, unverifiable, and misreported information from my credit report. 

Ensure full compliance with the FCRA and cease further violations of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
A Northwest Savings Bank consumer loan customer service representative XXXX XXXX, XXXX  ) by the name of XXXX XXXX XXXX ) has been transferring money out of my savings and checking accounts into my personal loan account without my consent. This first happened on XX/XX/year> where she transferred {$240.00} out of my savings account without my consent then it happened again on XX/XX/year> where she transferred {$150.00} out of my checking account without my consent, because of these unauthorized transactions I was not able to pay my utility bills, mortgage, car insurance and cell phone which I pay all of these through auto pay out of my checking account. When I asked for a resolution to possibly lower my monthly payment so I can get caught up she told me there was no way that I can get my payments lowered. I spoke to her on XX/XX/year>, she was not understandable and hung up on me. I then received a phone call from her supervisor who I believe her name was XXXX whom I explained what happened and she finally was able to transfer {$100.00} back into my checking account, who told me she can only do it XXXX time. I am very disappointed with the way that I was treated and I would like the resolution resolved as soon as possible. Also, when I spoke to XXXX she told me that XXXX would call me to set up a repayment plan, which was to my surprise shocking because thats what I was asking XXXX to do all along, but was told I wasnt eligible for a payment plan so at this point, I feel like its discrimination. As a consumer, I would like to be treated equally.

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 2025-10-02 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: NJ

Complaint narrative:
these are the documents requested by Equifax include the letter Equifax send me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
b'My credit score never changed and I never seen improvement an was paying to much to get nothing done'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
I got a credit alert that said the percentage of accounts always paid on time decreased by 3 % which is incorrect. I got another alert stating that the account is back in paid on time status. It dropped my score by XXXX points again! This is the third time that they have dramatically dropped my score incorrectly!

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 2025-10-02 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: ND

Complaint narrative:
My wallet was stolen into XXXX and I lost access to my email and lost my phone number as everything I had for passwords was on that phone sadly I got a hold of cash out to see if I could verify my account they said I could I went through several procedures with them and I couldn't get in or the next few days I contacted them again and they said on their site that my account was not recoverable or no longer active in a closed account I then contacted them about the money that was in there there should have been several XXXX dollars they said it was at XXXX I said well then there's some sort of fraud and something is going on they would not take my ID as I offered to verify who I was and won't let me look at the transactions and did not report any fraud as I requested several days and several dozen attempts or a dozen attempts at least talking with them and I got running circles so my issue is XXXX there's several XXXX dollars missing out of my account I have no access and they've denied me access to dispute anything I told him I dispute I dispute a {$1000.00} in the last transactions even though I believe my account was around the {$500.00} range they will not help me and then they said it's a closed account XXXX of my friends sent me money to that account {$20.00} they said it was a completed transaction with my friend asked for the money back because it was a closed account they said that they can't refund because it went to an account so they are not being truthful with me or they don't know what's going on cuz how can I close account that I no longer have access to take money if it doesn't exist?

Company response to consumer: Closed with explanation