vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Capital One concerning a settled account ( Account Number : XXXX ) due to repeated violations of the Fair Credit Reporting Act ( FCRA ) and their failure to honor a pay-for-deletion agreement made in XXXX. 

Background : In XXXX, I reached a settlement agreement with Capital One regarding a charged-off account. As part of the settlement, Capital One agreed to a pay-for-deletion, which was the sole reason I agreed to resolve the account. I paid the agreed-upon amount in full, and to this day, Capital One has never removed the account from my credit reports, despite multiple requests and documented disputes. 

Issues : Capital One has breached the settlement agreement by continuing to report the account after payment was made under the condition of deletion. 

I have disputed this account multiple times through credit reporting agencies and directly with Capital One, and they have refused to act or even respond meaningfully. 

This has resulted in ongoing harm to my credit score, limited access to financial services, and unnecessary emotional and financial stress. 

Capital One has repeatedly violated its responsibilities under FCRA Section 623, which includes reporting accurate information and conducting proper investigations when disputes are filed.

The continued reporting of this account in derogatory status is inaccurate, misleading, and unlawful under the FCRA.

FCRA Violations Include : Continuing to report a settled account as derogatory without appropriate notation. 

Failure to honor a contractual agreement to delete the account. 

Failure to investigate consumer disputes submitted through credit bureaus. 

Failure to provide documentation or validation of the debt upon request. 

Requested Action : I am requesting that the CFPB : Investigate Capital Ones handling of this account and their breach of the pay-for-deletion agreement. 

Enforce removal of the account from all consumer credit reports, as originally agreed. 

Ensure Capital One is held accountable for violating the FCRA and failing to respond to consumer disputes. 

Provide me with written confirmation of corrective action and ensure no further damage is done to my credit profile. 

I have made every effort to resolve this matter directly with Capital One, but they have refused to cooperate. I am now asking for the CFPBs help in enforcing consumer protection laws and holding Capital One responsible. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
According to 15 usc 1681 l have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-07-01 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: TX

Complaint narrative:
According to 15 usc 1681 l have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-07-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I had XXXX XXXX XXXX accounts/cards. XXXX card had a balance of XXXX. The other card had a balance of XXXX. Those XXXX cards balooned up to some ridiculous figure. I have paid {$150.00} every XXXX weeks for XXXX years straight Now after XXXX years Freedom Debt Relief wants to settle with XXXX  XXXX but I don't. Freedom Debt Relief would settle with XXXX  XXXX for less but Freedom Debt Relief is scamming me for XXXX  % of the original debt? My initials were auto penned in on a XXXX page agreement. Please do not this company scam people over debt and then try to take XXXX  % off the original debt not a settlement amount.. It should be fair, XXXX % of a settlement amount and that is high for people already in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
Im writing in reference to a collection account that appears on my credit report. I believe this account is listed in error. The account details, dates, and balance are inconsistent with my records and do not match any financial obligations Ive held.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Attempted to open account with transunion. Web site only displayed log in ( present account ) no provision for opening new account. Used web page contact phone number. XXXX went through list but when asked for credit report it repeated credit score cost XXXX XXXX XXXX  would ot send report. Asked for agent AI hung up call.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This past week, Weve asked on seven occasions for a statement regarding the random amount of {$2500.00}. This is further proof of poor accounting/record keeping. It went from {$3000.00} to {$2500.00} back to {$3000.00} according to their response to my initial complaint. 

Weve never been late or missed a payment prior to calling them out for predatory and illegal practices. Weve paid for the month of XXXX XXXX but after reporting them to CFPB, suddenly payments are not posting. My bank states otherwise- it was cleared. Theyve been paid. 

Given my insurance and my updated tax information- monthly payments should be around {$2200.00}, which is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have made several complaints about Equifax. I have sent in documentation a minimum of 9 times. I also sent in documentation through the CFPB and Equifax stated they never got the forms. On XX/XX/year>XXXX  I spoke with a representative who claims they have not received the forms that I have sent in the last 9x so I attached the forms to the email that was provided once again. I called on XX/XX/year>XXXX  and I spoke with another representative who claims they did not receive the documents and stated they can send another attachment. I told them I have sent 4-5 attachments when the documents are attached the representative confirms what is being attached and they also can see the attached files at the time. Now they claim when I call back there are no forms. I have mail and email confirmation. Equifax also stated they never received the forms I attached to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
This CFPB complaint has bee

n filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belo
ng to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-01 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 always maintained the utmost responsibility with my financial obligations, so I was surprised to discover a late payment reported inaccurately on my credit file. This entry contradicts my verified payment history and affects the overall integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
A collection account for {$110.00} has been reported to XXXX  by Aldous & and Associates, but I do not owe this debt. I contacted the original creditor ( now out of business ), and they confirmed I had no contractual obligation and owed no money. For 3 years all monthly dues and annual membership fees were auto drafted from my bank account as such, I never missed a single payment nor have I ever for any bill for that matter with my 18 years of credit history. 

I never received a notice or valid debt verification from the collection agency or a bill from the ownership group that sold the business and closed my location. Despite that, they have continued to report this item, which is inaccurate and unverifiable. 

I disputed the debt with XXXX, but their online process did not allow me to select I do not owe this debt, and the collection remains on my report. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of inaccurate and unverified information. 

I request that this item be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
someone ran my credit i disputed it the company didn't remove the hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), TXXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX  ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX * * ), and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. 
I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I dispute inaccurate reporting with Experian concerning my credit report. My current score is XXXX ( stagnant since before disputes began, ), impacted by accounts including XXXX XXXX XXXX ( {$1200.00}, updated XX/XX/XXXXXXXX  ), XXXX XXXX ( {$2200.00}, updated XX/XX/XXXX ), and XXXX XXXX ( {$4700.00}, closed ). The last payment was XX/XX/XXXX, indicating a potential time-barred status under XXXX XXXX three-year statute. I sent initial dispute letters on XX/XX/XXXXXXXX  and follow-up correspondence on XX/XX/XXXX, requesting a FCRA Section 611 reinvestigation and Section 615 accuracy compliance, but no response has been received by XX/XX/XXXXXXXX  ( due XX/XX/XXXXXXXX  ). Meanwhile, XXXX XX/XX/XXXXXXXX  response ( Confirmation # [ XXXX ] XX/XX/XXXXXXXX  ] ) removed two derogatory markers, raising my score to XXXX, and XXXX  improved to XXXX, demonstrating possible resolution that Experian has failed to mirror. High credit usage ( 62 % on XXXX, {$610.00} ) and these unresolved accounts continue to hinder my credit recovery. I demand the immediate and complete removal of all negative markers from these accounts and compensation for the financial harm caused by Experians delay and inaction. 
Attachments : certified mail receipts. 
Reasoning : This provides a detailed account of the lagging score, legal basis ( FCRA 611/615, time-barred status ), cross-bureau comparison to highlight Experians failure, and specific demands, deepening the complaints impact

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