vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
In XX/XX/year>, Capital One closed my credit card accounts and removed approximately XXXX rewards points. I was informed that the closure was due to multiple returned payments and suspected fraud. However, the payments in question were bona fide and made in good faith. My checking account showed sufficient available funds when I initiated them. 

The issue occurred because my banks posting system delayed reflecting an automatic debit that cleared right before Capital One attempted to process my payments. As a result, the payments were returned even though I believed there were adequate funds at the time. 

I called Capital Ones customer service multiple times to explain and provide proof, but the representatives were dismissive and did not attempt to help. One agent hung up on me, and when I called again, they refused to transfer me to the fraud or dispute department despite my repeated requests.

I later sent screenshots showing my available balance on the dates of the payments to demonstrate that this was a banking delay, not fraud or intentional misuse. Despite my efforts, my accounts remain closed and my XXXX rewards points have not been reinstated. 

I am requesting that Capital One review this matter, reopen my accounts, and restore my rewards points, as I acted in good faith and the issue resulted solely from timing delays beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am disputing several inaccurate or questionable items on my TransUnion credit report and request a thorough reinvestigation. 

Charged-Off / Collection Accounts XXXX XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$9700.00} Possibly outdated ; please confirm or remove. 

XXXX XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$970.00} I do not recognize this account ; request verification or removal. 

XXXX XXXX XXXX AT XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$900.00} Not recognized ; please validate. 

XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} Request documentation proving this accounts accuracy. 

XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$450.00} Please provide verification or remove. 

XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$4200.00} Review and verify reporting accuracy. 

XXXX XXXX  XXXX  Account # XXXX, Date : XX/XX/XXXX, Balance : {$10000.00} Request full validation of reporting. 

XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$390.00} Not recognized ; please verify or remove. 

Unauthorized or Questionable Inquiries The following inquiries appear to have been made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please remove these inquiries if written authorization can not be verified. 

Late Payment Reporting PERPAY Accounts # XXXX and # XXXX I am requesting a review of reported delinquencies for accuracy. 

XXXX XXXX Account # XXXX Please verify payment history ; reported lateness may be inaccurate. 

XXXX XXXX Account # XXXX Review for accuracy and update if incorrect.

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 2025-11-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-03 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-03 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:
THE LATE PAYMENT STATUS IS INCORRECT AND VIOLATES REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-03 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: PA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX  in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX  XXXX - {$610.00} ( account # XXXX ) XXXX  - {$860.00} ( account # XXXX ) XXXX - {$1500.00} ( account # XXXX ) XXXX - {$0.00} ( account # XXXX ) XXXX - {$1200.00} ( account # XXXX ) XXXX - {$420.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
on XX/XX/year> my car was repoed at my job insisde of fence this is known as a breach of peace i'm also XXXX  and my XXXX  is inside my car. I contacted lender they wouldn't tell me where my car is to retrieve my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 am requesting they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$930.00} XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$210.00} Inquiries : XXXX Date : XX/XX/XXXX Positive Accounts : XXXXXXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
THE INFORMATION PROVIDED IS ERRONEOUS AND UNVERIFIED.

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 2025-11-03 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: NJ

Complaint narrative:
The consumer, is experiencing significant issues with inaccurate and unverified credit reporting on their credit report. Despite multiple disputes, erroneous information remains uncorrected, causing harm to the consumer 's creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy and integrity of the information reported. The consumer 's credit report contains errors such as duplicate derogatories, unverifiable debts, and outdated charge-offs, which have not been rectified despite formal disputes. 
These inaccuracies have led to loan denials, higher interest rates, and additional financial stress. The consumer demands a thorough reinvestigation and correction of all erroneous entries to prevent further harm. 
XXXX ( XXXX  ) Issue : Duplicate derogatories and unverifiable debt Violations : FCRA 1681i, 1681s-2 XXXX ( Experian, XXXX  ) Issue : Duplicate derogatories and unverifiable debt Violations : FCRA 1681i, 1681s-2 XXXX  XXXX  ( XXXX, Experian, XXXX  ) Issue : Unverifiable debt and outdated charge-off Violations : FCRA 1681i, 1681s-2 XXXX ( XXXX, Experian, XXXX  ) Issue : Duplicate derogatories and unverifiable debt Violations : FCRA 1681i, 1681s-2 Student Loan Disputes XXXX ( XXXX, Experian, XXXX  ) Issue : Incorrect status and eligibility for discharge XXXX References : FCRA, 34 CFR 682.202 Hard Inquiry Disputes XXXX XXXX XXXXXXXX Date of inquiry : XXXX Bureau ( s ) reporting it : Experian Issue : Unauthorized inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX  Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX  Issue : No permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports Personal Info Discrepancies FCRA 1681i, 1681s-2, 1681e ( b ) Metro 2 guidelines - Industry standard for data formatting Consumer Harm The inaccuracies present on the consumer 's credit report have resulted in loan denials, higher interest rates, and have significantly impacted their ability to secure housing and employment. The erroneous data has caused undue financial stress and hindered the consumer 's financial stability.

Requested Resolution Permanent deletion of unverifiable and inaccurate items Full reinvestigation and documentation of findings Correction of any illegal or incorrect reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
The consumer, is experiencing significant issues with inaccurate and unverified credit reporting on their credit report. Despite multiple disputes, erroneous information remains uncorrected, causing harm to the consumer 's creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy and integrity of the information reported. The consumer 's credit report contains errors such as duplicate derogatories, unverifiable debts, and outdated charge-offs, which have not been rectified despite formal disputes. 
These inaccuracies have led to loan denials, higher interest rates, and additional financial stress. The consumer demands a thorough reinvestigation and correction of all erroneous entries to prevent further harm. 
XXXX ( XXXX  ) Issue : Duplicate derogatories and unverifiable debt Violations : FCRA 1681i, 1681s-2 XXXX ( XXXX, Equifax ) Issue : Duplicate derogatories and unverifiable debt Violations : FCRA 1681i, 1681s-2 XXXX  XXXX  ( XXXX, XXXX, Equifax ) Issue : Unverifiable debt and outdated charge-off Violations : FCRA 1681i, 1681s-2 XXXX ( XXXX, XXXX, Equifax ) Issue : Duplicate derogatories and unverifiable debt Violations : FCRA 1681i, 1681s-2 Student Loan Disputes XXXX ( XXXX XXXX Equifax ) Issue : Incorrect status and eligibility for discharge Legal References : FCRA, 34 CFR 682.202 Hard Inquiry Disputes XXXX XXXX XXXXXXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX  Issue : Unauthorized inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX  Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX  Issue : No permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports Personal Info Discrepancies FCRA 1681i, 1681s-2, 1681e ( b ) Metro 2 guidelines - Industry standard for data formatting Consumer Harm The inaccuracies present on the consumer 's credit report have resulted in loan denials, higher interest rates, and have significantly impacted their ability to secure housing and employment. The erroneous data has caused undue financial stress and hindered the consumer 's financial stability.

Requested Resolution Permanent deletion of unverifiable and inaccurate items Full reinvestigation and documentation of findings Correction of any illegal or incorrect reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 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 am a consumer working to repair my credit and noticed inaccurate information appearing on my TransUnion report. I am requesting a reinvestigation of the following items : Charged Off Account in Dispute : XXXX XXXX XXXX Acct : XXXX Reported : XX/XX/year> Balance : {$890.00} Late Payment in Dispute : XXXX XXXX XXXX Acct : XXXX Late payment reporting appears inaccurate

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 2025-11-03 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: IL

Complaint narrative:
I am writing to dispute the following inaccuracies in my credit report. The accounts listed below are inaccurately reported, and I request that these be corrected as per the Fair Credit Reporting Act ( FCRA ).

CHARGE OFF : XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$10000.00} Discrepancy : Please verify the balance and the charge-off date. 

XXXX  XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$0.00} Discrepancy : Please confirm the charge-off date and balance. 

XXXX XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$3800.00} Discrepancy : Please verify the charge-off date and balance. 

XXXX Account # XXXX Charged off : XX/XX/XXXX Balance : {$0.00} Discrepancy : Please confirm the validity and accuracy of this entry INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Discrepancy : These inquiries should be reviewed for accuracy.

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 2025-11-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
am disputing a debt that LVNV Funding, LLC / Resurgent Capital Services is attempting to collect, which I do not recognize. 

On XX/XX/year>, I sent a Debt Validation and Verification letter to the email address instructed by the collectors attorney ( XXXX ), clearly requesting full documentation to verify the alleged debt, including : XXXX. Original Creditor Information : Name, address, and account number of the original creditor.

Any other names by which the original creditor may be known. 
Copy of the original signed contract between the creditor and debtor. 
Amount owed to the original creditor at the time the debt was transferred. 
XXXX. Current Creditor Information : Name of the current creditor and the date the debt was obtained. 
Identification of the party from whom the current creditor obtained the debt. 
XXXX. Verification of Obligation : Proof that I am legally obligated to pay this debt.

Identification of any other person who may be liable for the debt. 
XXXX. Itemization of the Debt : Copy of the last billing statement sent by the original creditor. 
Itemized account of any interest, fees, or charges added after the last billing statement. 
Itemized account of any payments or reductions since the last billing statement. 

I followed up with a XXXX  notice within the original XXXX period, as required by law, emphasizing that the account is in dispute and requesting that it not be reported inaccurately to credit reporting agencies. 

Despite my repeated requests over the past XXXX  years and my submission to the CFPB, the alleged debt continues to appear on my credit reports, verified incorrectly, and negatively impacts my credit. 

Legal Basis : This conduct constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) for failing to properly respond to debt validation requests. 
This also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for furnishing unverified, inaccurate information to credit reporting agencies.

Company response to consumer: Closed with explanation