vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to formally escalate my unresolved hotel reservation issue involving XXXX XXXX XXXX XXXX XXXX, and the lack of fulfillment regarding the promised refund and travel credit. 

I booked hotel through capital one credit card Upon arrival, the hotel had no record of my reservation, despite Capital One Travel having charged my card. I contacted Capital One Travel immediately and spent over 5 hoursincluding nearly 2 hours on holdtrying to resolve the issue. I was traveling with my young child and was left in an unsafe and stressful situation. 



Around XXXX PM, I had no choice but to book a new hotel for {$280.00} and pay {$45.00} for parking out-of-pocket. The team later told me I would receive a refund for the failed booking and a {$200.00} travel credit. However, to date, I have received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
After thoroughly reviewing my records, I have found discrepancies in the payment history and reporting for Capital One, Account XXXX XXXX. I have consistently paid on time and have no record of late payments. Please review your data and share any evidence of lateness. If none exists, I request correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 writing to formally request the immediate removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. After I disputed this account with XXXX, their investigation was completed on XX/XX/year>, and the account was deleted from my XXXX credit report. XXXX decision to remove the account confirms that the information is unverifiable, and as such, your agency is now obligated to take the same action under federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure that all reported information is accurate, complete, and verifiable. Since XXXX has deleted this account completely, it is evident that the account can not be verified. Therefore, it must be removed from my credit file to maintain compliance with the FCRA. 

Additionally, under FCRA 609 and 611, if a credit reporting agency can not verify the accuracy of disputed information within 30 days, it is required by law to delete the information. I request that your agency conduct an investigation and remove this unverifiable account within the legally mandated timeframe of 30 days. 

Failure to comply with this request may result in legal consequences. FCRA 616 and 617 provide me the right to take legal action against any credit reporting agency that fails to meet its obligations under the law. Non-compliance may expose your agency to liability for damages caused by inaccurate reporting and failure to act within the law. 

I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once this account has been removed, or provide any documentation you are relying on to verify the accuracy of this account if you choose not to delete it. 

If the account is not removed within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-05-19 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: MO

Complaint narrative:
Full deletion or correction of each tradeline if the furnisher can not provide complete, accurate documentation. 

Removal of all unverifiable late-payment notations and duplicate balances. 

Written confirmation of the investigation results and an updated credit report. 

Despite timely disputes well within FCRA guidelines, the furnishers and the credit-reporting agency have not supplied evidence or corrected the errors. These inaccuracies are hurting my access to credit, increasing my borrowing costs, and undermining my financial stability. I request your assistance in ensuring the companies investigate thoroughly and report only accurate, verifiable information.

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 2025-05-18 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: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX All three This account is reporting inaccurate payment information due to XXXX XXXX and Equifax reporting different payment history information. The date opened for this account is reported as XX/XX/year> and XX/XX/year> which is inaccurate and contradictory. I have disputed this account, and it has come back verified. I have not been provided with validation paperwork and after I have requested it. The inaccurate information being reported is a violation of FCRA. This account should be removed from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All three This account is reporting inaccurate payment history. XXXX XXXX  and Equifax are reporting different payment history information. I have disputed this account, and it has come back verified. I have not been provided with any validation documents for this account. This account should be removed from my credit report due to reporting inaccurate information which is a violation of FCRA. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  All three This account reports inaccurate payment history information. I have disputed this account, and it has come back verified. I have not been provided with the validation paperwork that was used to verify this account. The date opened is being reported as XX/XX/year> and XX/XX/year> and this information is contradictory and inaccurate. The inaccurate information being reported is a violation of FCRA. This account should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
This filing a complaint is a second formal dispute regarding the inaccurate and unverifiable information being reported on my credit report. I previously submitted a written dispute on XX/XX/XXXXXXXX  concerning the above-referenced account, but I have not received sufficient evidence or correction regarding this matter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-19 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I submitted a written debt validation and cease & desist request to TrueAccord regarding an alleged account with XXXX XXXX XXXX. Under FDCPA 15 U.S.C. 1692g ( b ), they are required to validate the debt before continuing collection, and under 1692c ( c ), they must cease all communication with me upon request. 

Instead, I received an email from a representative ( XXXX ) acknowledging my dispute but requesting consent to email documentation, which is not validation and violates my cease & desist request. This communication was unsolicited and unnecessary, as I clearly stated all contact must stop. 

They have not provided the validation documentation by mail as requested, and their email constitutes continued collection activity without proper validation. I am requesting enforcement of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
Recently, I did an investigation on my credit report and found these items on there to be incorrect.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ) and mandates that consumer reporting agencies ( CRAs ) take reasonable steps to ensure the maximum possible accuracy of the information they provide in consumer reports. This section essentially means that CRAs must have procedures in place to minimize errors and inaccuracies in consumer credit reports. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I was never late on this account. I have made all my payments on time. 
XXXX XXXX Revolving account opened on XX/XX/XXXX and a balance of {$600.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX  Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2025-05-18 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found these items on there to be incorrect.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ) and mandates that consumer reporting agencies ( CRAs ) take reasonable steps to ensure the maximum possible accuracy of the information they provide in consumer reports. This section essentially means that CRAs must have procedures in place to minimize errors and inaccuracies in consumer credit reports. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I was never late on this account. I have made all my payments on time. 
XXXX XXXX Revolving account opened on XX/XX/XXXX and a balance of {$600.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX  Installment account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$610.00} XXXX XXXX XXXX XXXX {$160.00} XXXXXXXX XXXX XXXXXXXX {$830.00} 15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: TX

Complaint narrative:
Name : 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 ID Card ATTACHED BELOW ) Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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. Items listed above have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15USC 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not. directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-1 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party, 2. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall 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.

Remove Fraudulent Account listed : XXXX. - Carmax Auto Finance, Account XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XXXXXXXX XXXX XXXX  Carmax Auto Finance, Account XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
During Covid, I was behind on my mortgage because I lost my job and I was told that I could do a forbearance. Once the forbearance was done, they told me I could do a loss mitigation that would take away the {$7000.00} that I owe and it would be put on the back end of my mortgage just added {$7000.00} Now XXXX years later I am selling my house and there is a {$39000.00} silent lien from XXXX on the back end of my mortgage as a XXXX  mortgage. I did not agree to that. I was told it was gon na be XXXX put on the back end and why would I pay for XXXX years of Interest When I am not in this house for XXXX more years. This seems like legal extortion its unfair and now that Im selling my house theyre gon na demand the money and now I cant buy the next house that Im supposed to be getting because of this so now hud who was supposed to help me is forcing me to be Homeless. I do not understand how any of this is even legal. This was never explained to me no sane rational person would say yes let me take my {$7000.00} of debt and turn it into XXXX during the most worst time of our lives of Covid.

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 2025-05-18 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Credit Report Dispute XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear [ Experian / Equifax / TransUnion ], I am writing to dispute inaccurate information being reported on my credit file regarding an account with XXXX XXXX XXXXXXXX, account number XXXX. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report a debt on a consumer 's credit file if that individual is merely an authorized user on the account. The primary cardholder is the only person legally responsible for repayment of the debt, not any authorized users. 
I have verified that I am only an authorized user on this account and have never agreed to or signed for financial responsibility. As such, the reporting of this account on my credit report is inaccurate and misleading, and it may adversely impact my creditworthiness.

I respectfully request that you : 1. Investigate this account 's reporting status.

2. Remove the account from my credit file, as I am not the primary obligor.

3. Provide written confirmation once the correction has been made.

I have enclosed a copy of my government-issued ID and a utility bill as proof of identity and address, as well as a highlighted copy of my credit report showing the account in question. 
Please resolve this dispute within the XXXX time period required by the FCRA, and send me written notice of the results of your reinvestigation. 

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 explanation
Consumer complaint received 2025-05-18 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief