vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
On XXXX XXXX XXXX, I stayed at a property in XXXX, XXXX booked through XXXX. I paid for the accommodation separately through XXXX ( {$580.00} ) but the host requested an additional security deposit of XXXX ( {$860.00} ) to be paid directly via credit card. 

On XX/XX/XXXX, the property owner called requesting photos of damage in the apartment. I sent images showing mold, falling ceiling chunks, and broken electrical outlets. He promised to call back in 15 minutes but never did, proving he knew the property was uninhabitable. 

The initial deposit charge went pending but disappeared from my account on XXXX XXXX, appearing to be cancelled. I left XXXX on XX/XX/scrub>XXXX XXXX 

On XX/XX/year>, while I was back in the United States, XXXX XXXX processed a new charge of {$860.00} on my Capital One card without authorization. 

When I contacted Capital One to dispute this unauthorized charge, they initially said it was fraudulent. However, after the merchant provided a response, Capital One reversed their decision claiming " XXXX policies '' prevent reversal because I stayed at the property. 

The merchant has made contradictory claims about the charge - first refusing to explain it, then claiming it was " for the stay '' despite clear evidence the accommodation was already paid separately to XXXX. When confronted, the merchant called the situation " questionable '' but refused to deny the charge was unauthorized. 

I provided Capital One with extensive evidence including : receipts proving separate payment for accommodation, screenshots showing the XXXX deposit request, photos of property conditions, and proof that the property owner knew about dangerous conditions but retained the deposit anyway. 

Capital One is forcing me to negotiate directly with individuals under international criminal investigation rather than protecting me from obvious fraud. They are ignoring clear evidence that this was unauthorized retention of a security deposit for a property that was misrepresented and uninhabitable. 

The bank is protecting international criminals over American consumers despite overwhelming evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

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 2025-09-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a XXXX XXXX collection account on my credit report without providing proper validation. On XX/XX/year>, I disputed this account and requested full debt validation. XXXX responded through the CFPB XXXX stating they mailed a Model Validation Notice on XX/XX/year>, but I never received that letter before the tradeline appeared. 

Despite my dispute, the credit bureaus continue to report the account without clearly marking it as disputed. Under FDCPA 809 ( b ), a debt collector may not continue collection activityincluding furnishing information to a credit bureauuntil it has provided validation. Under FCRA 623 ( a ) ( 3 ), a furnisher must report an account as disputed once a consumer disputes it. 

I am requesting that the credit bureau investigate this item, ensure the furnisher provides proper validation, and either remove the tradeline or clearly mark it as disputed until verification is complete.

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 2025-09-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a XXXX XXXX collection account on my credit report without providing proper validation. On XX/XX/year>, I disputed this account and requested full debt validation. XXXX responded through the CFPB XXXX stating they mailed a Model Validation Notice on XX/XX/year>, but I never received that letter before the tradeline appeared. 

Despite my dispute, the credit bureaus continue to report the account without clearly marking it as disputed. Under FDCPA 809 ( b ), a debt collector may not continue collection activityincluding furnishing information to a credit bureauuntil it has provided validation. Under FCRA 623 ( a ) ( 3 ), a furnisher must report an account as disputed once a consumer disputes it. 

I am requesting that the credit bureau investigate this item, ensure the furnisher provides proper validation, and either remove the tradeline or clearly mark it as disputed until verification is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
Many accounts has lied in the amount i paid as well as my payment history towards the account i want all collections to be removed and also have a clear estate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I purchased a vehicle from XXXXXXXX XXXX XXXX. I provided a {$3100.00} down payment and traded in my XXXX XXXX XXXX. The dealership told me that financing was approved through Capital One Auto Finance and allowed me to take possession of the car. 

At the time of sale, I was told that my business bank statements were acceptable proof of income. Two weeks later, I was told that those same business statements were no longer acceptable and that I must now provide personal bank statements instead. On XX/XX/XXXXXXXX XXXX XXXX the dealership contacted me again asking if my husband could co-sign, which was never part of the original agreement. 

The dealership represented that financing was approved through Capital One Auto Finance, but I later learned the loan was never finalized and no account number exists. My down payment and trade-in remain at risk. 

I am concerned this represents a yo-yo financing or spot delivery scheme, where a dealer delivers a car before financing is finalized, then pressures the consumer into new terms after the fact. 

What I want Capital One to do : Confirm in writing whether my application was approved, denied, or pending in their system. 

Provide the reason ( s ) if the application was denied or flagged.

Ensure that Capital One does not allow a dealer to misrepresent loan approval status to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately.

I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with EXPERIAN, the following fraudulent account was reinserted on my credit report : XXXX XXXX XXXX XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet EXPERIAN reinserted it without proper validation. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law.

I urge the CFPB to ensure EXPERIAN complies with the law by blocking this fraudulent account immediately and confirming the action.

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 2025-09-12 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a dispute regarding fraudulent accounts that have appeared on my credit report. I did not authorize, open, or maintain these accounts. Their presence constitutes false reporting and causes direct harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been reported under my name. These accounts were never opened or authorized by me, and their inclusion constitutes false and damaging information. Their presence misrepresents my financial history, causes harm to my creditworthiness, and undermines the integrity of my credit report.

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 2025-09-12 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: PA

Complaint narrative:
XX/XX/year> I see a charge for {$170.00} in collections on my XXXX XXXX account. I call XXXX XXXX end of XXXX and settle for half which is {$85.00}. 

I tell them to take payment out beginning of XXXX. I never got any letter or anything. I confirmed everything verbally on the phone and they said that they will take the payment out. The payment was supposed to come out XX/XX/XXXX. 

Couple weeks go by and I dont see the payment come out. I called them again in XXXX. They said that there was no money in the account and they did not take them funds out again. Confirm processing information with them with my debit card information and tell them to take out the payment again in XXXX This time I get a letter in the mail, but I unfortunately throw it away because Im an idiot A few more weeks pass by and I go to the speed all my credit report because Ive paid this off or so. I thought I go back through my XXXX XXXX  account and dont see any payments coming from them. I called them back on XXXX and they tell me that theres no money in the account that is of both face lie. I called XXXX. They never tried to pull any money out. Ive tried to pay this company twice now they refuse to send me an email documentation they refuse to take my payment and they also refuse to take off my credit report at this point. I am being scammed. I was able to get this taken off my XXXX account as of yesterday with no issue Ive just feared this probably XXXX times a XXXX XXXX and they keep closing my account. I have no documentation but all their calls are recorded and you can definitely look at my phone number and see that Ive called multiple times to this company that their XXXX system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 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: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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 2025-09-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute regarding an unauthorized hard inquiry recorded on my credit file. I have never applied for credit or provided consent for the reporting entity to perform this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and misleading information that you are reporting on my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum accuracy, and under 1681i you must reinvestigate disputed information. 
The following tradeline ( s ) contain factual errors : XXXX PAGE NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX NOT MY NAME DELETE IMMEDIATELY. 
PAGE, XXXX, XXXX NOT MY NAME DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXX XXXX, TX XXXX - NEVER LIVED HERE DELETE IMMEDIATELY. 
XXXX XXXXXX/XX/year> Unauthorized inquiry remove it from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} - Account reported as charge off but still showing balance. 
XXXX XXXX XXXX XXXX XXXX {$2200.00} - Account reported as charge off but still showing balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} - Wrong payment status.

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 2025-09-12 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: CA

Complaint narrative:
My financial reality isnt properly reflected in the credit analysis.

Company response to consumer: Closed with non-monetary relief