vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I hope this letter finds you well. I am submitting to dispute certain entries on my credit report that I believe to be inaccurate and require immediate attention. After reviewing my credit file, I noticed some discrepancies that need to be corrected in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Open date XX/XX/XXXX Balance : {$4100.00} XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Open date XX/XX/XXXX Balance : XXXX Legal References : FCRA 611 ( 15 U.S.C 618i ) : I am exercising my right to dispute inaccurate or incomplete information on my credit report. Under this section, I request that the information regarding the above charge-offs and the inquiry be thoroughly investigated and corrected or removed. 
FCRA 623 ( a ) ( 2 ) : This provision outlines the obligation of furnishers of information to correct and update any inaccurate information. I ask that the account holders involved in these charge-offs review their records and ensure that the information is correct and updated accordingly. 
FCRA 623 ( b ) : As per this section, the furnishers of information have a duty to investigate and rectify errors. I trust that the relevant parties will conduct a prompt and thorough investigation into these disputed entries.

FCRA 602 : This section stresses the importance of maintaining a fair and accurate credit reporting system. As a consumer, I rely on the accuracy of my credit report, and I am requesting that these discrepancies be resolved as quickly as possible to ensure fairness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AR

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing in response to XXXX XXXX correspondence dated XX/XX/XXXX, which appears to be the banks reply to my earlier CFPB complaint ( XXXX ). After reviewing the response, I must respectfully disagree with the conclusions and request further review. 

1. Incorrect Transaction Amount Investigated Capital Ones letter references a total of {$54000.00}, while my FTC Identity Theft Report, certified written statement, and transaction summary clearly show a total of {$31000.00}. 
This discrepancy indicates the bank may have reviewed the wrong set of transactions, undermining the accuracy and validity of its investigation. 

2. Misclassification of the Dispute Capital One incorrectly stated that my claim involved an item not delivered as agreed. 
My case is identity theft, not a merchant service dispute. These transactions were unauthorized credit card charges made by an unknown party. The banks error in categorization suggests that a proper fraud review, as required under the Fair Credit Billing Act, was never conducted. 

3. Failure to Honor {$0.00} Liability Policy Capital One advertises {$0.00} liability for unauthorized charges, yet continues to hold me responsible despite submission of all required documentation including my FTC Identity Theft Report, California ID, and certified written statement. 
This refusal contradicts the banks own published consumer protection policy and standard industry practice. 

4. Inconsistent Treatment of Similar Fraudulent Activity In XX/XX/XXXX, Capital One reversed nine XXXX transactions of the same nature, acknowledging them as unauthorized. 
The currently disputed transactions ( from XXXX XXXX ) show identical descriptors and patterns, yet were denied. 
This inconsistent approach calls into question the thoroughness and fairness of Capital Ones review process. 

5. Requested Action Given these issues, I respectfully request that the CFPB direct Capital One to conduct a corrected reinvestigation of the unauthorized transactions totaling {$31000.00} charged under FedEx between XX/XX/XXXX, and XX/XX/XXXX. 

Supporting Documents : FTC Identity Theft Report Certified Written Statement along with Proof of reversed XX/XX/XXXX XXXX transactions Transaction summary spreadsheet Capital One denial letter Capital One {$0.00} Liability Policy screenshot Thank you for your attention. I am available for clarification and can provide additional documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am disputing a {$790.00} debt that Hunter Warfield claims I owe to XXXX XXXX in XXXX, California. This debt is inaccurate and unsupported. I lived in the apartment from XXXX  ( apartment had not been renovated since XXXX or early XXXX ) until I moved out, and I paid a {$1200.00} security deposit. After move-out, the property replaced the entire carpet, installed new wood flooring, and added new appliancesthese were upgrades, not repairs for tenant damage. 
Neither XXXX XXXX nor Hunter Warfield has provided proof that the charges are legitimate or that they stem from repair costs rather than property improvements. I already submitted a CFPB complaint previously, but neither party has responded or provided documentation. 
Requested resolution : Require XXXX XXXX  and Hunter Warfield to provide full documentation proving this debt, including itemized charges, repair invoices, and photos showing tenant-caused damage.

Remove or correct any credit reporting related to this alleged debt.

Confirm that both parties cease collection efforts unless valid proof of the debt is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance : {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance : {$4300.00}

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute these accounts as they do not belong to me and request their removal within 15 days according to the FCRA.

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 2025-11-12 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: GA

Complaint narrative:
Take time to review the materials ; the questions were submitted abruptly and might not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AR

Complaint narrative:
This account does not belong to me and is being reported 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 2025-11-12 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: AR

Complaint narrative:
This account does not belong to me and is being reported 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I would like to request a review and correction of my Synchrony Bank account ending in XXXX. 

In XX/XX/XXXX, this account was charged off and transferred to Client Services, where I entered into a repayment plan confirmed by Agent XXXX XXXX. The agreement stated that I would pay a reduced balance of {$1300.00} ( instead of the original {$2000.00} ), with monthly payments of {$130.00}, beginning on XX/XX/XXXX, and scheduled for completion by XX/XX/XXXX. 

I made six payments of {$130.00} per month from XX/XX/XXXX, through XX/XX/XXXX ( total {$780.00} ). On XX/XX/XXXX, I was informed by XXXX XXXX that an identity theft fraud investigation was conducted, and my repayment plan was canceled by Synchrony Bank, not by me. 

I provided XXXX XXXX. ( another agent ) a copy of the Repayment Plan Confirmation and Payment Schedule as evidence of the settlement. However, her investigation response did not acknowledge or address this agreement. 

Since then, XXXX XXXX ( Reference # XXXX ) has contacted me demanding a balance of {$1200.00}, which does not reflect the payments I made or the agreed settlement terms.

I respectfully request that Synchrony Bank : 1. Correct my account record to reflect the {$1300.00} settlement agreement and six payments made, 2. Reinstate or honor the original agreement, acknowledging the remaining {$520.00} balance, and 3. XXXX XXXX XXXX to update or withdraw their collection claim accordingly.

Please provide written confirmation once this matter is reviewed and corrected

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-11-12 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: SC

Complaint narrative:
I am submitting to dispute multiple inaccuracies on my credit report that I believe have resulted from clerical or reporting errors. Upon reviewing my credit report, I found several charge-offs, collections, and an inquiry that need to be investigated and corrected. Below, I have outlined the specific accounts and inquiries I am disputing, with supporting details for each. 
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  Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 611 ( 15 U.S.C 618i ), I have the right to dispute inaccurate information on my credit report, and I am requesting that you conduct a full investigation into the above-listed accounts and inquiry. I understand that under FCRA 623 ( a ) ( 2 ), data furnishers are required to correct and update inaccurate information, and FCRA 623 ( b ) mandates that furnishers investigate disputes raised by consumers. If the reported information can not be verified, it should be corrected or removed in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : 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
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Betterment LLC
State: NY

Complaint narrative:
I was using this bank for a very long time every time I wake up and I sign into my own banking. Im signed out every morning every time I try to sign in it says my password and my username doesnt match and then they lock my account and when they lock my account keep explaining to they keep getting my money sent back and is not fair and I emailed them today and asked him. Can they please unlock my account numerous times And then they start to ignore me in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am disputing the information reported by TransUnion as it contains inaccuracies that I believe need to be addressed. Please review the details below and ensure that the data is corrected in accordance with the FCRA. 

Charged Off : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$140.00} ( Please investigate and ensure accurate reporting. ) Inquiries XXXX XXXX Date : XX/XX/XXXX ( Please review for accuracy and appropriate inquiry removal if necessary. ) Positive : No positive accounts listed for dispute. 

Late Payments : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( Please verify and correct any discrepancies. )

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX XXXX changed financial records and denied payments to assist third party vendor XXXX XXXX to create a false nonpayment history. The XXXX payments and unauthorized payments went on from XXXX  to present. The denial of mailing paper statements is a major issue when the financial institution is used to harm financial tomsupport crimes through public partnerships with government. The organization is functioning in white hatred. Prior to the past few months I was denied overdraft based on monthly income. This includes blocking me from the option until the week of monthly deposit. The severe abuse of financial impact is done for years and the people most harmed like myself is denied based on the same white hatred. It's sad to see the sickness we face to be held under in lies. I'm beat down on all sides and denied legal rights on all sides. Any legal attempts by us cause direct physical, financial, personal, and social impacts on our lives. There are many of recorded calls of the struggles and abuse of systematic racism to target and deny our rights. Ongoing issues from the birth of the country. We are being severely harmed. CapitalOne sent me a new card recently for no reason at all, just sent the card. The bank was pressing me to activate the card but I have a lot going on and can not just cut off things I pay. Just randomly, the new bank card and my prior bank card disappeared from my purse at home while I live alone with no guess. Sounds crazy and I would have felt crazy if I wasn't forced to live and face worse based on XXXX institutions of hatred. My concern is denying me paper Financial records after I moved in my own place. Prior CapitalOne sent my monthly statements to a mailing address but refused to send to my own address. The moment I made an address change for statements the paper statements is denied claiming I changed it by accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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