vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: NC

Complaint narrative:
I am writing to formally follow up regarding a dispute involving multiple returns made to XXXX in XX/XX/year>, which is a missing refund of {$210.00} that I have not yet received. 
Summary of Purchases : XX/XX/year> {$650.00} XX/XX/year> {$340.00} XX/XX/year> {$190.00} From these purchases, I made two return requests : 1. First Return Request XX/XX/year> from purchase Juy XXXX, 2025. 
o XXXX issued two return labels for two packages. 
o Only one of these packages was acknowledged and refunded. 
XXXX. Second Return Request XX/XX/year> from purchase XX/XX/year> and XXXX item from purchase on XXXX second ( XXXX dollars ) o This return was for XXXX package, and the refund was issued correctly. 
Refunds Received : XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$57.00} XXXX only issued refunds for my second return and XXXX of the XXXX packages from my first return. They claimed they never received the second package from the first return, despite the fact that I provided multiple emails with proof of delivery, including tracking numbers and shipping labels that XXXX themselves provided. 
The tracking information clearly shows that both packages were delivered. I followed all return instructions exactly as directed and have submitted this evidence to XXXX multiple times. 
Finally on XXXX email dated XX/XX/year>, the missing refund of {$250.00} ( from the second package in the first return request ) was confirmed to have been processed, and I was told to expect the funds within XXXX business days. To date, I have not received this refund in my Capital One account. 
I previously contacted Capital One and initiated a dispute for {$400.00} dollars. However, the first dispute was filed with an incorrect amount. I corrected this in a follow-up call, and a second dispute was opened. Despite this, I only received a partial refund of {$38.00}, and multiple representatives incorrectly told me that XXXX had already refunded the full amount, which is not true. This is how I come up with the amount of XXXX dollars. {$250.00} minus {$38.00}. 


I keep calling Capital one and now they are claiming that they never received the XXXX from XXXX on XX/XX/XXXX. 

I have previously submitted all relevant documentation, including emails, receipts, and a detailed document from XXXX containing the ARN number and associated refund information. However, I have been informed that Capital One has not yet received these materials. 


Last letter that I have received from Capital one said that they will issued me a temporary credit of XXXX cents. I don't even know how they come up with this amount. I have been calling them for weeks, explaining and sending them all documents and it seems to get nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a written dispute to TransUnion regarding multiple inaccurate and unverifiable accounts and personal information appearing on my credit report. I requested a proper reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), including documentation and verification of each disputed item. 

TransUnion responded that the accounts were verified, but failed to provide any evidence, supporting documentation, or explanation of how they verified the information. This suggests TransUnion did not conduct a reasonable reinvestigation as required under federal law. 

As a result, inaccurate and harmful information continues to appear on my report, negatively affecting my creditworthiness and causing significant emotional and financial harm including difficulty obtaining housing and reliable transportation. 

I am requesting that the CFPB compel TransUnion to perform a full reinvestigation, delete any unverifiable or inaccurate accounts, and provide proof of their verification methods in writing. TransUnions handling of my dispute demonstrates a clear failure to uphold its obligations under 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 non-monetary relief
Consumer complaint received 2025-10-09 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Received a letter in the mail today from Wells Fargo about an account being made under my name. The letter they sent basically send to not contact them further about this information so I had to go online and find their contact info. Once called I was transferred around till someone told me to just put a fraud alert on my account. Well I haven't had such need to put out a fraud alert and after mentioning this to family they said Wells Fargo had been recently opening accounts under people names without their consent. I visited your page for more info and said to contact Wells Fargo first with the number provided. So after I contacted that number they told me to look at the letter for more info, when pressed about if this was done inside or outside they refused to provide any more info and said to just put a fraud and close out any accounts I have right now. This to me seemed unacceptable and shady. So this is why I am filling a complaint today as Im worried they may be still continuing this practice of making accounts with no knowledge to anyone and when we get these letters they're just telling us to put unesscary fraud alerts and closing out bank accounts just causing unesscary hardships specially for those who do t know any better.

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 2025-10-09 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: OH

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Second Notice Failure to Respond and Demand for Deletion Under 15 U.S.C. 1681c-2 ( FCRA ) To Whom It May Concern, This letter serves as a second and final notice regarding my previous written request, dated XX/XX/year>, demanding the blocking and deletion of fraudulent and unauthorized accounts from my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

To date, I have not received any acknowledgment, investigation results, or confirmation of deletion from Experian within the legally required timeframe. This lack of response constitutes noncompliance with federal law and further damages my consumer rights under the FCRA. 

As previously stated, my personal data was compromised in the TransUnion data breach, resulting in the fraudulent and inaccurate reporting of accounts and inquiries on my credit file. You are again being instructed to immediately block and permanently delete the following items : You are hereby demanded to comply immediately by : 1. Deleting and blocking all listed accounts, inquiries, and negative information.

2. Notifying all furnishers of this deletion as required under 15 U.S.C. 1681c-2 ( b ).

3. Providing me with written confirmation of full deletion within five ( 5 ) business days of receipt of this letter.

Enclosed again are copies of my government-issued ID and FTC Identity Theft Report for verification.

If I do not receive written confirmation of compliance within the timeframe stated, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies for your failure to uphold your obligations under federal law. 

Thank you for your immediate 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 explanation
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-09 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:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that I can no longer overlook, as they have been seriously affecting my life and damaging my credit score. These inaccuracies are creating unnecessary obstacles to my financial stability and progress, which is both unfair and distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that I can no longer overlook, as they have been seriously affecting my life and damaging my credit score. These inaccuracies are creating unnecessary obstacles to my financial stability and progress, which is both unfair and distressing.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing in response to a notice I received from your company regarding an alleged debt. Please be advised that under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g * *, I am requesting that you provide validation of this debt.

Specifically, I am requesting : 1. The name of the original creditor and the amount of the debt ; 2. A copy of any agreement bearing my signature indicating that I agreed to assume this debt ; 3. Documentation showing that your agency has the legal right to collect this debt ; 4. A full account history, including all payments made, interest, fees, and other charges added ; 5. Verification that the statute of limitations for collecting this debt has not expired.

Please note that until this debt has been properly validated, you must * * cease all collection activity * * and refrain from reporting or continuing to report this alleged debt to any credit reporting agencies.

If this debt is found to be valid, I will review the documentation and determine how to proceed. However, if you can not provide the requested verification, please remove all references to this debt from my credit report and cease further contact. 

Thank you for your cooperation. I expect a response within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I sent two rounds of written dispute letters to the major credit bureaus regarding several inaccurate and unverifiable accounts appearing on my credit reports. Each dispute was sent by certified mail with documentation and specific Metro 2 field violations highlighted. 

The disputed accounts include XXXX  XXXX XXXX, XXXX XXXX Bank, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. 

Despite receiving my disputes, the bureaus either marked the items verified without providing proof or failed to correct obvious inconsistencies such as mismatched dates opened, incorrect balances, and missing data fields required under the Metro 2 reporting format ( examples : XXXX Account Number, XXXX Date Opened, XXXX Account Status, XXXX Current Balance, XXXX Date of First Delinquency ). 

These actions violate FCRA 611 ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ) and 623 ( a ) ( 1 ) ( A ) along with Regulation V 1022.42 ( failure to maintain procedures for maximum possible accuracy ).

I have attached copies of my prior dispute letters, proof of mailing, and report excerpts showing the continued inaccurate reporting. I am requesting that the CFPB require each company to : Conduct a full reinvestigation with documentation of verification sources ; Delete all unverifiable or non-compliant items ; and Provide written confirmation of corrections made to my credit files. 

This has been ongoing for three months with no valid resolution.

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 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
In XXXX, my home in XXXX XXXX was severely damaged by Hurricanes Helene and Milton. I had been on a temporary hardship forbearance beforehand. Following the hurricanes, XXXX Mortgage received an insurance settlement payment but failed to properly classify my hardship as disaster-related. They ignored my requests for disaster relief. 
In XX/XX/XXXX, I lost my job because the hurricane damage made my home unusable for remote work. I immediately informed XXXX, but they responded by extending an unaffordable trial modification by one month, engaging in dual-tracking. Around [ Date of Phone Payment ], I made a $ [ Amount ] payment by phone. XXXX has not applied this payment, denied me online access, and has not provided information on its status. 
This misconduct has severely impacted my recovery. Their repeated misclassification forced me to provide misleading modification letters to the XXXX for a disaster loan, which was denied. Their denial of account access also prevented me from providing accurate statements. They have further damaged my credit, hindering me from securing other assistance. 
Timeline of Events and Actions : Pre-Hurricanes : On a temporary hardship forbearance. 
XXXX : Hurricanes Helene and Milton damaged my home in XXXX XXXX, a federally declared disaster area. 
XXXX ( After Hurricanes ) : XXXX received an insurance payment but did not update my file to reflect a disaster-related hardship. 
XXXX - XX/XX/XXXX : I contacted XXXX about the disaster hardship, but they repeatedly offered unaffordable Flex Modifications. 
XX/XX/XXXX : I lost my job due to the uninhabitable home and informed XXXX. 
XX/XX/XXXX ( After Job Loss ) : XXXX offered a new trial modification, only extending it one month, ignoring my job loss. 
Around XX/XX/XXXX : Made a phone payment of {$3300.00} to XXXX. 
Ongoing since XX/XX/XXXX : XXXX has not properly applied the payment or provided information on its status. 
Ongoing since XXXX : XXXX has denied my online account access. 
Ongoing : Negative and inaccurate credit reporting by XXXX. 
Specific Date ( multiple denials ) : XXXX disaster loan mod denied, citing credit and inaccurate documentation. 
Ongoing : My communications to XXXX  regarding these issues have been ignored or met with misinformation.

Company response to consumer: Closed with explanation