vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: TX

Complaint narrative:
My account was suspended and I cant use my mom all because I said for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had capital one. I ask them to provide me a copy of the credit agreement and to verify the amount that was owed and charged with interest because the amount seemed off. They told me my account was now with debt collector there was nothing that they could provide me. This is fraud. I was over charged in interest and want this debt cleared from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, regarding the mishandling of a dispute for a Capital One account ( Acct # XXXX ) appearing on my credit reports with all three XXXX credit bureaus TransUnion, Experian, and Equifax. 

I submitted written disputes to each bureau regarding this account because of multiple inconsistencies between their reports, including : Conflicting last payment dates ( TransUnion and Experian show XX/XX/year> ; Equifax shows XX/XX/year> ). 
Different status updated dates and status descriptions across bureaus. 
Different comments : TransUnion : Dispute resolved reported by grantor. 
Experian : Account previously in dispute investigation complete. 
Equifax : Charged off account account closed by credit grantor. 
All three show differing or incomplete context for the balance, past-due amount, and dispute history. 

These inconsistencies violate the FCRAs requirement for accurate and complete reporting. 

Each bureau responded to my disputes claiming the account was verified but failed to provide any supporting documentation. I sent a XXXX of XXXX request under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) to each bureau, requesting : XXXX. The name, address, and direct contact for the person at Capital One who verified the account. 
XXXX. A detailed description of the investigation process. 
XXXX. Copies of all original documents used to verify the account. 

To date, none of the bureaus have provided the requested information or original documentation. 

The FCRA requires credit reporting agencies to : Conduct a reasonable investigation of disputed information ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ). 
Delete any information that is inaccurate, incomplete, or can not be verified ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ). 
Provide the method of verification when requested ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ). 

By failing to meet these requirements, all three bureaus are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit 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: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Ive been waiting to hear from them for months then when I do its the same answer they say they found no error but fail to understand my phone they say was used in the transactions was stolen for a 45 day period and recovered by XXXX  reason they where able to access my bank was because I had my info in my notes it was XXXX thats a large sum and they just took and and my bank was not tryna help reason I havent closed my account was I thought it was gon get resolved but never did I need yall to get on there and tell them that not a valid answer no more because theres a reason behind it and I need my funds back before I escalate this pass the XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit  report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not  associated with me and must be removed to ensure the accuracy and integrity of my credit profile. \n\nTo ensure my credit report reflects accurate and up-to-date information, I request that my personal information be  updated as follows: \n\n Full Name: XXXX XXXX  Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number: XXXX Date of Birth:  XXXXTo support my request, I have included the following documentation: \n A copy of my government-issued ID confirming my legal name and date of birth. \n A recent utility bill to verify my current address. \n A copy of my Social Security card to confirm my SSN. \n\nThis correspondence serves as a formal dispute under the Fair Credit Reporting Act (FCRA). I respectfully request that  your agency: \n\n1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. \n2. Update my credit profile to reflect the correct information as listed above. \n3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my  credit report. 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 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

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Trans union several times regarding this discover account and they refuse to verify that this XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX is inaccurate and past 7 years but they refuse to verify it or remove it. Also the XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and past 7 years. 
I have given them dates where they have started disputes then they tell me that the companies have verified it put they don't send me any proof from them or the companies.

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: 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate this account below : XXXX XXXX XXXX Balance : {$0.00}

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 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
This complaint concerns ongoing servicer violations separate from my previous CFPB case ( XXXX XXXX ) regarding XXXX XXXX  XXXX FHA servicing practices. 

On XX/XX/year>, I contacted XXXX XXXX to request loss mitigation assistance. I am not yet in default but meet the HUD definition of imminent default due to job loss and inability to pay my XX/XX/year> mortgage payment without approved assistance. Under HUD guidance, the COVID-19 Recovery Options for Borrowers in Imminent Default program does not require me to be 61 days delinquent or employed to qualify. 

There was some initial misalignment between XXXX offering the Unemployment Forbearance program and my request for the COVID-19 Recovery Options for Borrowers in Imminent Default. However, I corrected this in writing on XX/XX/year> and again on XX/XX/year>, both times explicitly stating that I was requesting only the imminent default program. At all times, I have made clear that I am in imminent default, which qualifies me for this program under HUD guidelines. 

Despite this, XXXX has repeatedly failed to evaluate me for the correct program. Instead, they : -Placed me into the Unemployment Forbearance program -Cited fabricated eligibility requirements ( seasoning and 61 days delinquent ) -Relied on outdated HUD Handbook guidance instead of current Mortgagee Letters -Failed to follow up after supervisor-level promises Critical Evidence : -Multiple face-to-face virtual consultations proving I followed all required procedures. 
-Written clarifications on XX/XX/XXXX and XX/XX/XXXX proving I explicitly requested the imminent default program. 
XXXX XXXX : XXXX representative XXXX XXXX falsely claimed I did not meet fabricated seasoning requirements and had to be 61 days delinquent. 
XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX promised to research and call back by XX/XX/XXXX, but did not follow up until XX/XX/XXXX and only after I initiated contact. 
XXXX XXXX : Final denial relied on outdated HUD Handbook guidance instead of the controlling XXXX Letters XXXX and XXXX. 

Most Damaging Violations : -Fabricating eligibility requirements not in HUD policy. 
-Misrepresenting that all options were reviewed when COVID-19 Recovery was never evaluated.

-Failing to follow through on supervisor-level commitments.

-Using outdated guidance to deny a HUD-mandated program.

This mishandling has pushed me closer to actual default, created imminent credit damage risk, and is in direct conflict with HUD servicing requirements for FHA-approved lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-10 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: MA

Complaint narrative:
This complaint concerns the continued reporting of charge-offs and late payment entries that are inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ).

I have requested proof of the alleged late payments, complete payment histories, and lawful calculation of the charge-off balance. The furnishers have failed to provide this documentation or conduct a reasonable reinvestigation.

I am requesting that the CFPB direct the credit bureaus and furnishers to delete all unverifiable charge-offs and late payments, correct my reports across all CRAs, and ensure compliance with the cited laws.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XX/XX/XXXX Capital One Auto Finance Attn : Customer Service XXXX XXXX Department [ Capital One Auto Finance Address ] Subject : Request for XXXX XXXX  XXXX XXXX XXXX Dear Capital One Auto Finance, I am writing to inform you that I am experiencing significant financial hardship and am currently unable to pay off my auto loan in full. My loan details are as follows : Account XXXX Vehicle : XXXX XXXX XXXX Due to loss of income, medical emergency, unexpected expenses, I am unable to maintain the current payment terms. I would like to discuss any hardship assistance options available, including but not limited to Settlement options I value my relationship with Capital One Auto Finance and want to work toward a resolution that avoids default and repossession. Please contact me as soon as possible to discuss available options. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days. Please block and delete the following items. 
XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an extended fraud alert on my credit that I never added. It states to call one of two phone numbers that arent mine, they show no where on my credit report as being my number and when I googled them they come up as robo scam numbers. I had it removed fine with TransUnion and it was never on XXXX but Experian has no way for me to speak to a person and my online account tells me to call and I can't get this taken care of. I move next week and can't even get my lights cut on because of this and this is vital I can't lose my home because I can't remove an alert a never added.

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 2025-08-10 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MA

Complaint narrative:
This complaint concerns the continued reporting of charge-offs and late payment entries that are inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ).

I have requested proof of the alleged late payments, complete payment histories, and lawful calculation of the charge-off balance. The furnishers have failed to provide this documentation or conduct a reasonable reinvestigation.

I am requesting that the CFPB direct the credit bureaus and furnishers to delete all unverifiable charge-offs and late payments, correct my reports across all CRAs, and ensure compliance with the cited laws.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax haven't removed XXXX XXXX  from my credit report file they also violated 1681i Usc code and 1601 also 1602 I had told them snice last year it's also error on my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
NOTICE OF DISPUTE Pursuant to 15 U.S.C. 1681i Date : XX/XX/year> To : XXXX XXXX XXXX XXXX, XXXX TX XXXX Re : Dispute of Inaccurate Credit Information This letter is a formal Notice of Dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Upon reviewing my credit report provided by your agency, I have identified the following item ( s ) as inaccurate and/or incomplete : Creditor/Account Name : NAVY FEDRAL CREDIT UNION Account Number : XXXX Reason for Dispute : PAID CLOSED Action Requested : Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of the disputed item ( s ) within 30 days of receiving this notice and to promptly delete or correct any information found to be inaccurate or unverifiable.

Please provide : Written confirmation of the results of your reinvestigation.

An updated copy of my credit report reflecting any changes made.

The name, address, and telephone number of any furnisher of information contacted in connection with this dispute.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill or similar ) Copy of relevant pages of my credit report with disputed item ( s ) highlighted Any supporting documentation relevant to the dispute Failure to comply with the FCRA may result in legal action to protect my rights. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, is a debt collector. Our client XXXX XXXX XXXX placed the consumer 's account with our agency on XX/XX/year>. A validation notice was sent to the consumer on XX/XX/year>. This notice was not returned to our company as undeliverable. As a courtesy, we have closed this account and returned it to our client. If any adverse information has been reported to the credit reporting agencies, we will request it be removed with our next update. 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