vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I am filing this report regarding a late mortgage payment that was reported for XX/XX/year>. 

At the beginning of XX/XX/year>, I attempted to make my mortgage payment through Mr. Coopers online system. The payment did not process, and I was unaware of this failure at the time. 

On XX/XX/XXXX, I was notified by my mortgage company that my payment had not processed. I immediately logged into the Mr. Cooper portal and enrolled in Auto Pay to prevent this type of situation from occurring again. I then received a Welcome to Auto Pay email, which led me to believe that the XXXX payment would be withdrawn automatically. 

The first notification I received after that was on XX/XX/XXXX, when I was informed that the XXXX payment had been missed and that Auto Pay had been turned off. On that same day, I immediately submitted payments for both XXXX and XXXX. 

Relevant details : I had sufficient funds in my bank account at all times before the XX/XX/year> due date, which can be confirmed by the attached bank statement. 

I enrolled in XXXX XXXX on XX/XX/XXXX, but the system did not initiate until XX/XX/XXXX. 

Once I became aware of the missed payment on XX/XX/XXXX, I acted immediately and paid my mortgage for both XXXX and XXXX. 

I have never previously missed a mortgage, credit card, auto loan, or other debt payment. My credit score prior to this incident was in the XXXX. I have since sold my home and fully paid off my loan with Mr. Cooper. 

I am now in the process of purchasing a new home, but my credit score has been reduced by nearly XXXX points due to this late payment. I need help to resolve this issue because it began with Mr. Coopers system not processing my payment at the beginning of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed several accounts and inquiries with Equifax because they do not belong to me. Equifax removed some of them but refused to remove others, even though they did not provide proof such as signed applications or authorization. They marked them as verified without proper validation. This has left inaccurate information on my report and continues to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a collection account from The CBE Group Inc, listing Charter Communications as the original creditor, was reported on my credit file in the amount of {$1100.00}. I dispute this account as inaccurate and unverifiable. 

I have never received proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I have exercised my rights under 15 U.S.C. 1692c ( c ) to request that the collector cease communication until proper validation is provided. Despite this, the debt remains reported to the credit bureaus without proof of accuracy.

This account is causing harm to my credit standing. I am requesting that the company provide full validation of the debt ( including a copy of the original agreement and proof of assignment/ownership ) or that it be deleted from all credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$73000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report and noticed the following inquiries that I believe are inaccurate and unauthorized. 

Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as : A firm offer of credit or insurance Employment purposes ( with written authorization ) A court order or subpoena A credit transaction initiated by the consumer The inquiries listed below do not appear to meet any of the permissible purposes outlined above. As such, they are inaccurate and must be removed from my credit report.

Inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please conduct an investigation in compliance with the FCRA and provide me with written confirmation of the results. If these inquiries can not be verified as having a permissible purpose, they must be deleted from my credit file immediately. 

Thank you for your prompt attention to this matter.

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 2025-08-16 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: 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 ONE 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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im making a complaint against Capital One regarding an account by them that was charged off on my credit report. According to public records from the Utah Division of Corporations, the entity known as Capital One U.S.A. N.A. was administratively dissolved in the state of Utah. 

Below are documents from the Utah Division of Corporations and my credit report showing Capital One U.S.A. N.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I am a victim of identity theft. Several accounts and negative items appearing on my credit reports do not belong to me and were opened fraudulently without my knowledge or consent. I have never authorized these accounts and have repeatedly requested validation and documentation from the credit reporting agencies and the furnishers, as allowed under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) and 611 ( a ). To date, no company has provided sufficient proof that these accounts are valid or belong to me. 



Additionally, I was affected by the XXXX  data breach, in which my personal identifying information was compromised. As a direct result, I have experienced fraudulent activity tied to my credit file. The continued reporting of these fraudulent accounts is inaccurate, unlawful, and causing ongoing harm to my financial reputation. 



I am seeking the immediate removal of all fraudulent and unverified accounts from my credit reports, as well as strict compliance with the FCRA to ensure my rights as a consumer are upheld.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Account opened and attempted to add bank account. XX/XX/year>. Account immediately suspended and locked. Submitted the verification document requested. Emailed and asked why. They refused to answer. XXXX week later they unlocked my account. 

XXXX XXXX received payment from others via Venmo that amounted to {$50.00} US. Logged in again on XXXX XXXX to add my bank account and transfer the money I had received. They added my bank account and then immediately suspended my account again. Requested the exact same information from XXXX. Said I would still be able to transfer money. Attempted to transfer money and then they refused to transfer the money. Asked for reasoning. Refused to provide any information as to why they had locked account and would not unlock account or provide access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I got an alert from XXXX XXXX  that I had outstanding odds of approval for a high credit limit card from XXXX. The details showed the estimated credit line offer and specified that no hard credit inquiry would report unless I was approved, I agreed. I was taken to a congratulatory screen and nothing about the limit was displayed. I registered on the XXXX site and saw the credit card I was approved for was a low limit, outrageously high interest card. This is not what was advertised on XXXX XXXX and this is not a card Im interested in. I immediately filed a dispute and the line was closed. Now I have a new card showing on my credit report and an inquiry that never should have been placed there. Please note the disclaimer on XXXX that says Ill have a chance to review the information from the creditor. This did not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
i would like to challenge this account to have it removed by using 15 USC 1681e ( b ) and 15USC 1681i ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be update to reflet as accurate or removes from my report, and by law, i would like to have this account removes.

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 2025-08-16 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/year> with a balance of {$6700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-16 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: NY

Complaint narrative:
I disputed several accounts and auto loan inquiries with the credit bureau because they do not belong to me. I requested proof such as signed applications or authorization, but XXXX XXXX failed to provide documentation and kept the information on my report. This has negatively impacted my credit history.

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 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I already reached out to the dealership, they told me to call Capital One, I called Capital One, they said there's nothing they can do, reach out to the dealership. I have a credit score of XXXX. I did request to review contact before signing and was told once printed I can review. Upon reviewing I did not realize nor was told I have a finance charge of almost XXXX which is insane. That's the amount of another vehicle. Please review my letter. Highly upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: IA

Complaint narrative:
I have notice multiple inaccurate accounts reporting to my credit file

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 2025-08-16 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: IA

Complaint narrative:
I have notice multiple inaccurate accounts reporting to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief