vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I made a debit card transaction from my bank account to pay my capital one credit card payment of XXXXXXXX XXXX  and the payment went through. Then I went to check my current credit card balance, it said that the account is restricted. so I called today on XX/XX/XXXX and they briefly explained to me that the reason my account got closed was because of my payment is being returned too many times. Ive had this account for over two years and Ive always made my payment on time. The problem is is that they did not warn me that that would happen. I am completely blindsided by the fact that this was not a part of their policy two years ago and I was not even notified beforehand that if it kept happening that they would close it. I am upset because this could have been prevented. Now they want me to pay them back. Even though my account is closed. And I feel like Ive been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to urgently dispute a debt reported on my credit report by the collection agency XXXX, related to charges from my former property management for carpet replacement. I assert that these charges are inaccurate because the condition of the carpet represents normal wear and tear, which under XXXX  law should not be considered tenant damage nor converted into a collection debt. 
I have provided property management with clear evidence that the carpets condition is from ordinary use and XXXX XXXX XXXXXXXX  by myself and my XXXX XXXX  XXXX, not neglect or abuse. The managements own emails state that the charges were for carpet replacement. However, I have photographic evidence taken at move-out showing worn carpet due to regular use, not damage beyond wear and tear. 
Florida law defines normal wear and tear as the expected deterioration occurring from ordinary use of a rental property without negligence. Common examples include fading, discoloration, matting, and general soiling from XXXX  of which accurately describe my carpets condition. Florida Statutes XXXX and relevant case law such as XXXX v. XXXX require landlords not to charge tenants for such wear and tear and to return security deposits accordingly. 
I have repeatedly contacted the collection company XXXX with this information and supporting documentation, but they have refused to discuss the evidence, demanding full payment without consideration of my valid dispute. They have also refused any partial payment or settlement discussions based on the evidence of normal wear and tear. 
This ongoing collection is causing me immediate and severe hardship, leaving me unable to secure housing or move to a new residence. Therefore, I urgently request CFPBs prompt investigation into this matter to prevent further harm caused by this inaccurate and unfair credit reporting. 

Please find attached copies of : Emails from the property management admitting carpet charges Photographs of the carpet taken at move-out demonstrating normal wear Relevant excerpts from XXXX XXXX XXXXXXXX regarding wear and tear Records of communications with the collection agency XXXX  Thank you for your immediate attention to this critical matter. I look forward to your support in ensuring fair reporting practices and the removal of this inaccurate collection account from my credit report. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to urgently dispute a debt reported on my credit report by the collection agency XXXX, related to charges from my former property management for carpet replacement. I assert that these charges are inaccurate because the condition of the carpet represents normal wear and tear, which under Florida law should not be considered tenant damage nor converted into a collection debt. 
I have provided property management with clear evidence that the carpets condition is from ordinary use and heavy foot traffic by myself and my XXXX small XXXX, not neglect or abuse. The managements own emails state that the charges were for carpet replacement. However, I have photographic evidence taken at move-out showing worn carpet due to regular use, not damage beyond wear and tear. 
Florida law defines normal wear and tear as the expected deterioration occurring from ordinary use of a rental property without negligence. Common examples include fading, discoloration, matting, and general soiling from trafficall of which accurately describe my carpets condition. Florida Statutes XXXX and relevant case law such as XXXXXXXX XXXX XXXX require landlords not to charge tenants for such wear and tear and to return security deposits accordingly. 
I have repeatedly contacted the collection company XXXX with this information and supporting documentation, but they have refused to discuss the evidence, demanding full payment without consideration of my valid dispute. They have also refused any partial payment or settlement discussions based on the evidence of normal wear and tear. 
This ongoing collection is causing me immediate and severe hardship, leaving me unable to secure housing or move to a new residence. Therefore, I urgently request CFPBs prompt investigation into this matter to prevent further harm caused by this inaccurate and unfair credit reporting. 

Please find attached copies of : Emails from the property management admitting carpet charges Photographs of the carpet taken at move-out demonstrating normal wear Relevant excerpts from Florida landlord-tenant law regarding wear and tear Records of communications with the collection agency ProCollect Thank you for your immediate attention to this critical matter. I look forward to your support in ensuring fair reporting practices and the removal of this inaccurate collection account from my credit report. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
Company : BSI Financial Services Loan Type : XXXX XXXX  State : North Carolina I am submitting this complaint due to continued mortgage servicing misconduct, unauthorized loan actions, inaccurate reporting, and prohibited foreclosure activity by BSI Financial Services . 

Despite ongoing HUD involvement and attempts to resolve this matter since XXXX XXXX, XXXX has again taken actions on my loan without my authorization and in violation of federal FHA servicing rules.

The most recent events include : A representative came to my home, took photos of my property, and referenced foreclosure, even though my loan is currently in an active FHA Payment Supplement/Partial Claim agreement with documented coverage from XX/XX/XXXX XX/XX/XXXX. I signed and agreed to pay {$1300.00} for three years. 
BSI is now attempting to force me to sign a new standalone partial claim under pressure, despite an already active agreement and ongoing dispute. 
They have repeatedly lost paperwork, misreported loan activity, and documented actions that never occurred, despite HUD oversight. 
XXXX continues to dual-track by engaging in foreclosure-related behavior while a loss-mitigation agreement is in place, which is a violation of CFPB Regulation X 12 C.F.R. 1024.41. 
Their conduct also appears to violate RESPA 12 U.S.C. 2605, FHA servicing guidelines, and CFPB mortgage servicing rules.

I have now experienced repeated harm due to : Unauthorized loan modification and partial claim processing Unapproved recording of a deed against my home Inaccurate loan records Lost documentation Threats or actions related to foreclosure during active loss mitigation Lack of transparency, notice, and consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-10 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: IL

Complaint narrative:
I am disputing the accuracy of the following accounts on my Experian credit report. The account details, including balances, dates of opening, and late payment history, may be incorrect, and I ask that these items be reviewed and corrected or removed as necessary. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : None listed. 

Positive Accounts : None listed. 

Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
My identity was stolen by a former roommate and used to open accounts that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have paid my Citi Mastercard timely since I got it in 2019. The payment was electronic and was completed in two days. In XXXX I had a larger than usual balance and noticed the payment had not cleared the bank. I called my bank ( Truist ) and inquired why it had not cleared. The bank said the merchant decides if the payment is electronic or a paper check and they apparently did not deposit the check yet. I called Citi and was told they had some problems with electronic payments. Citi extended the time to pay the balance by two days and the check was deposited on the day due. In XXXX the balance was a minimal amount and the payment this month was recorded electronically and I assumed their problem with electronic payment was solved. In XXXX we spent two weeks in XXXX and created a balance of {$13000.00}. I processed a payment for that amount on XX/XX/XXXX which should have been time enough to meet the XX/XX/XXXX due date. Here again the payment was apparently converted to check form as it was not credited until days after the due date. I contacted Citi and they said they would not charge a late penalty. But they did charge {$290.00} for finance charge. I contacted Citi and requested they remove this charge. The request was denied.

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 monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under 15 U.S.C. 1692g, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : 1. Original Creditor : Complete name and address of the original creditor.

2. Verification of the Debt : A full accounting of the debt amount, including itemized charges.

3. Proof of Your Authority : Documentation proving that you have authority to collect this debt on behalf of the original creditor.

Additionally, under 15 U.S.C. 1681i of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports.

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under 15 U.S.C. 1692c and stop reporting this account to the credit bureaus.

I expect a thorough investigation and a full response within the 30-day period as specified by federal law. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I am a defendant in an ongoing NJ court case XXXX ( for 13 years now ) where a loan was obtained under court order. The plaintiff was required to obtain a loan and monthly payments was to be paid from the joint property in XXXX NY as directed by the court. The court orders allow XXXX XXXX XXXX to get a loan only but he is not the sole owner since the court has not rule outcome yet but in his application he lied in his UWM loan application that he is the sole owner of XXXX, NY. I sent letters to UWM on XX/XX/year> and XX/XX/year> reporting potential loan misuse ( fraud ) and requesting information. 

On XX/XX/year>, UWM responded that I am not an interested party and refused to investigate or provide information. This loan directly involves my property in XXXX NY and Court-ordered financial obligations where every month rentals from XXXX are used to pay the mortgage payments. UWMs refusal prevents compliance with court orders and enables ongoing misuse of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the accuracy and verification of certain accounts and inquiries reported by TransUnion. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX XX/XX/XXXX {$3000.00} XXXX Acct # XXXX XX/XX/XXXX {$18000.00} These accounts may be inaccurately reported or not verifiable. Please provide documentation confirming their validity or remove them from my credit file. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX two entries ) I am disputing these inquiries as unauthorized or inaccurately reported. Please confirm their legitimacy and remove any that can not be verified. 

Late Payments in Dispute XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief