vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: KY

Complaint narrative:
I received a phone call in regards to collecting a debt after I moved out of my apartment. The debt collector never identified who they were and why they were calling me, I never got a letter stating there was a debt owed or what I can do to resolve or dispute the collection. They called me multiple times regarding the debt but refused to tell me what is was about unless I agreed to speak to them and verify my identity. I told the debt collector to stop calling unless they give me more information as to why they are calling. I applied for a new apartment and was informed that I have a renters debt collection. 

Its on my credit report but the name of the business is not shown. I looked at my credit report and noticed there is a debt of {$1000.00} that I owe to Hunter Warfield Inc. I called the company to make a payment plan, but they informed that I wasnt going to be given a letter of settlement or payment arrangement unless the debt is fully paid off. I needed to move into my new apartment so I agreed to make a payment arrangement and paid {$110.00} hoping to get a receipt for proof payment. After the initial payment was made, the representative told me he couldnt give me a reciept. I asked him why. I need proof of payment showing I made a payment. He informed that it was part of their policies not to give receipts of any payment unless the balance is fully paid off. I was very upset because I need proof of payment for my records if there was ever a discrepency. 

The call center representative told me proof of payment should be shown on my bank statement but he can not email me a reciept or anything showing payment or payment arrangements. But he could only give a confirmation number. 

I felt like this type of policy is a consumer violation if the consumer isnt given anything regarding proof of payment unless the collection is paid in full to guarantee they are recieving their portion. 

Also the date of the collection is wrong because I owed the date last year XX/XX/XXXXXXXX  they stated on my credit report that the debt is owed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX Formal Dispute of Charge-Off Entry on Credit Report DEAR : XXXX XXXX I am writing to formally dispute the accuracy of the charge-off entry listed under partial account # XXXX on my credit report. This account is being reported as charged off, but I believe this information is inaccurate, incomplete, or unverifiable in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I request that you conduct a thorough investigation into this matter and provide : Complete validation of the debt including a copy of any signed agreement and a full payment history. 

Proof that you have the legal right to collect or report this debt, including chain of custody if the debt was sold or transferred. 

Documentation that the reporting complies with FCRA requirements for accuracy and completeness. 

If you can not verify the accuracy of the account as required by law, I request that you remove the charge-off entry from my credit report immediately. 

Please provide your investigation results and an updated copy of my credit report within 30 days of receiving this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
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.

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 2025-08-11 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NVR INC.
State: NC

Complaint narrative:
I was promise that if I paid XXXX XXXX dollars that I would be able to lock in my rate at 5.5 % this was done in XXXX. I paid the XXXX XXXX dollars up front. one weeks before closing your loan officer said that I don't qualify for this rate. XXXX XXXX and XXXX XXXX. Credit report was ran since XXXX. Bank statement and financial report was given every month. I even was forced to paid XXXX XXXX dollars for a appraisal on property that in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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 Performance Savings 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 2025-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Guild Holdings Company
State: PA

Complaint narrative:
I received a letter from Guild Mortgage dated XXXX XX/XX/year> stating that they had no evidence of my hazard insurance for my property located at XXXX XXXX XXXX XXXX XXXX PA XXXX. 

I contacted my insurance agent who not only assured me they had received it but also provided me with a copy I could upload to Guild Mortgage 's website. I uploaded the copy and received confirmation via email from Guild that it was now on file.

I then received an email, call and text from XXXX that my insurance was canceled due to non-payment on XXXX XX/XX/year>. 
I again contacted my insurance agent who reinstated said policy without payment and I contacted Guild- and spoke with XXXX on XXXX XXXX who stated they did have the policy and no payment had been sent so she was putting in a ticket to escalate it. 

It is now XXXX XXXX and my insurance agent has notified me they still have not received payment and that the policy will be canceled on XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened new checking and saving accounts with Chase in XXXX and met all requirements for new account promotion program for 3 months. However, I have not received the bonus as described in the promotion. I already contacted the customer services multiple times and no response provided by Chase. Therefore, I filed the complaint and request the Chase honor the offer for my new checking account. Let me know if you need any thing else. 

Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Tried to buy a digital card online through PayPal and was scammed. The individual sold me the card and completely ghosted all contact. My PayPal account is in perfect standing and didn't think this would happen. I assume it has happened before and would hope PayPal had measures to detect fraud like this. They shouldn't let you send {$40.00} to what I assume is a brand new account without making sure we get a notification first. Especially when it is a friends and family payment because we don't have the option through their site to dispute anything. The email they used to initiate payment was : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
XXXX I processed a balance transfer to pay Gemini off. Almost a month later, the payment has yet to process. I used the address and account information found on the statement, yet nothing. This has made me show inaccurate balances on my credit report. All other transfers with other institutions processed in days. Very slow and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Amex Executive Office, I am writing to formally request resolution regarding a promotional offer for XXXX XXXX business card that promised 3 complimentary hotel nights upon meeting the qualifying criteria. 

Timeline & Facts : On XX/XX/year> I applied for the card based on the promotion for 3 free hotel nights. 

I was approved and received the card on XX/XX/year> I met all promotional requirements, including $ XXXX spending within 3 months. 

Despite this, I have been informed that due to technical issues, the benefit is continuously being delayed. I was supposed to receive this in XX/XX/XXXX. 8 months ago. 

I have contacted your help teams 18 times now regarding this issue with zero resolution, this has taken important time away from me and is not acceptable!

I do have these text transcripts if needed. 

This is deeply concerning as I relied on the promotion in my decision to apply for the card. Denying the benefit after I fulfilled all requirements is not only unfair but could be considered a breach of the offer terms. 

I respectfully request that American Express : Honor the original promotion of 3 complimentary hotel nights, or Provide an equivalent benefit of equal or greater value.

This is the email I sent them. 
I have been trying to sort this for 8 months now, they keep telling me they have a known technical glitch

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
I am writing to formally dispute the alleged account being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable consumer protection laws.

1. Reporting Under Multiple Names ( FCRA 1681s-2 & FDCPA 807 ( 1 ) ) XXXX XXXX  is reporting the same alleged debt under different names and/or variations, which creates confusion, misrepresentation, and constitutes deceptive practices. This is a direct violation of FDCPA 807 ( 1 ) which prohibits false, deceptive, or misleading representation and FCRA 1681s-2 ( a ) which prohibits furnishing inaccurate or misleading information to credit bureaus. 
2. Failure to Validate Debt ( FDCPA 809 & FCRA 611 ) I previously requested proper validation of the alleged debt pursuant to FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ). XXXX failed to provide a copy of a signed contract or any documentation bearing my signature proving I am legally obligated to this debt within the statutory timeframe. Without such proof, the account is unverifiable and must be removed.

3. Illegal Reinsertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) After prior disputes, this account was deleted from my credit report. XXXX then reinserted the same account without providing me with the legally required five-day written notice of reinsertion. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Under this law, reinsertion without proper certification and consumer notification is prohibited, and the item must be permanently removed.

4. Demand to Credit Bureaus under FCRA 609 & 611 Under FCRA 609, I have the right to request and receive all information the credit bureaus have on this account, including the source of the data. Under FCRA 611, any account that can not be verified must be deleted within 30 days of the dispute. Since the furnisher can not validate and has engaged in deceptive and unlawful reporting, you are required by law to remove the account from my credit file immediately and permanently prohibit reinsertion without my written consent. 

I have attached a letter from XXXX XXXXXXXX XXXX XXXX  and proof the debt was deleted due to lack of validation.

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 2025-08-09 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: NY

Complaint narrative:
I am writing to formally dispute the alleged account being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable consumer protection laws. 

1. Reporting Under Multiple Names ( FCRA 1681s-2 & FDCPA 807 ( 1 ) ) XXXX XXXX is reporting the same alleged debt under different names and/or variations, which creates confusion, misrepresentation, and constitutes deceptive practices. This is a direct violation of FDCPA 807 ( 1 ) which prohibits false, deceptive, or misleading representation and FCRA 1681s-2 ( a ) which prohibits furnishing inaccurate or misleading information to credit bureaus.

2. Failure to Validate Debt ( FDCPA 809 & FCRA 611 ) I previously requested proper validation of the alleged debt pursuant to FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ). XXXX failed to provide a copy of a signed contract or any documentation bearing my signature proving I am legally obligated to this debt within the statutory timeframe. Without such proof, the account is unverifiable and must be removed.

3. Illegal Reinsertion of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) After prior disputes, this account was deleted from my credit report. XXXX then reinserted the same account without providing me with the legally required five-day written notice of reinsertion. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). Under this law, reinsertion without proper certification and consumer notification is prohibited, and the item must be permanently removed.

4. Demand to Credit Bureaus under FCRA 609 & 611 Under FCRA 609, I have the right to request and receive all information the credit bureaus have on this account, including the source of the data. Under FCRA 611, any account that can not be verified must be deleted within 30 days of the dispute. Since the furnisher can not validate and has engaged in deceptive and unlawful reporting, you are required by law to remove the account from my credit file immediately and permanently prohibit reinsertion without my written consent. 

I have attached a letter from XXXX XXXXXXXX XXXX XXXX  and proof the debt was deleted due to lack of validation.

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 2025-08-09 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: PA

Complaint narrative:
I am submitting this complaint against Equifax and TransUnion for reporting late payments and hard inquiries that are inaccurate, unverifiable, or improperly documented in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

XXXX XXXX Accounts in Dispute : XXXX. XXXX XXXX ( XXXX XXXX ) XXXX marked with XXXX missed payments ( XXXX days late ) including dates in XXXX, XXXX, XXXX, and XXXX. 
No signed payment agreement, payment history logs, or original account-level documentation have been provided to validate these derogatory marks. 
Per FCRA 607 ( B ) and XXXX XXXX XXXX XXXX any unverifiable or inaccurately reported delinquencies must be removed. 
XXXX. XXXX XXXX ( Credit Card Closed ) Showing XXXX missed payments prior to closure. 
Failure to supply proof of delinquency supported by original records violates FCRA 611 ( A ) and XXXX XXXX requirements for accurate reporting of payment history. 



Hard Inquiries in Dispute : The following inquiries, reported by TransUnion, are not authorized or lack permissible purpose under FCRA 604 ( a ) : 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 XX/XX/XXXX These inquiries must be removed if the furnishers can not provide documented proof of my written consent or a permissible purpose for obtaining my credit file. 



FCRA XXXX XXXX XXXX Violations : FCRA 602A & 607 ( B ) : All items must be complete and accurate. 
FCRA 611 ( A ) : Requires deletion of unverifiable or inaccurate information after reinvestigation.

FCRA 623 ( A ) ( 1 ) : Furnishers can not report information they know or should know is inaccurate.

FCRA 604 ( a ) : Hard inquiries must have a permissible purpose and be authorized by the consumer. 
XXXXXXXX XXXX XXXX XXXX : Late payment indicators must be supported by valid, verifiable records. 
XXXX XXXX XXXX XXXX XXXX : Any disputed account must reflect an active dispute ; failure to do so violates both XXXX XXXX and 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 explanation