vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made student loan payments through my Capital One account for XXXX years. My student loan website confirmed that none of those payments were ever received. When I discovered this, I immediately reported it to Capital One. They only investigated the most recent XXXX months of payments and refused to review older ones, claiming they are out of time. 
This was a continuing undiscoverable error, I had no way of knowing the payments werent reaching the servicer until recently. Under Regulation Z ( 1026.13 ) and the Fair Credit Billing Act, I am requesting Capital One reopen all related transactions. 
I have attached proof that my servicer never received any payments and that the transactions were labeled as student loan payments. I seek a full review and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.|

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: IL

Complaint narrative:
On multiple occasions XXXX CreditKarma system sent me emails congratulating me on my new XXXX XXXX XXXX card. I thought it odd, but ignored them until the XX/XX/year> email that said my welcome bonus period my end soon. I called XXXX who said it was quite odd that I would receive such a note from XXXX, as though I have some XXXX accounts, a XXXX XXXX XXXX XXXX is not among them. 

I began my long dialog with Credit Karma, inquiring about this mystery account on or before XX/XX/year>. ( Included in their first automated reply : We've received your request and created Case Number : # XXXX. ) They then asked me, multiple times, to provide my last name before proceeding. I thought this RIDICULOUS, as its IN MY EMAIL address, which is my user ID for their system, and they have ALL MY CREDIT INFORMATION!! I finally replied AGAIN, highlighting my last name in my email signature. 

I repeated my concern : How are you sending me emails about my credit card which I dont have?! 

Instead of providing the information, or apologizing for the error, or promising to investigate, the annoying customer service agent then replies : Please provide your date of birth. 

Again : You have all this information. This is EMAIL - NOT a secured transfer protocol, and it is NOT NEEDED to explain to me why you have sent me MULTIPLE emails about a credit card I DO NOT HAVE! 

So sorry, realize youre frustrated, but we need you to provide your date of birth to confirm its you No, I dont. Have someone CALL me, then. 

We dont provide support over the phone. 

Of course you dont. 
Get me the address to your XXXX, then. This isnt working. 

I advised them Id be filing this complaint with the XXXX XXXX XXXX designed to ensure our credit records are protected. 

I just want to know how/why they kept emailing me about an account I dont have. Has someone stolen my identity again? Does their database have an error? Is their software buggy? Or has someone opened a new account with my email address or other identifying information?? 

Why is it so hard to tell me why they sent me emails about a new account I dont own??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as my formal dispute and request for validation of the alleged account referenced above, in accordance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I do not acknowledge this debt and demand full verification and validation.

Please provide the following documentation within 30 days of receipt of this letter : 1. A signed contract or agreement showing my signature for this account.

2. Complete payment history and balance itemization.

3. Chain of title and assignment documents showing your legal right to collect or report this account.

4. The original creditors name, address, and account number.

5. Proof that you are authorized and licensed to report or collect this alleged account. 
Additionally, because recent national news has confirmed the XXXX XXXX data breach ( XX/XX/XXXX ), I have reason to believe that my personal identifying information may have been compromised and potentially used to create or alter this account. Therefore, I demand that you investigate whether this account originated from such breach-related identity theft. If you can not verify this account as accurate and belonging to me, you are required under 15 U.S.C. 1681i to immediately delete or block the account from my credit report. 
Until full verification is provided, you must cease reporting, sharing, or collecting on this account. 
Continued reporting or collection activity without providing the requested proof will constitute willful noncompliance under the FDCPA and FCRA. I reserve all rights to seek damages and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney General. 
Please send all responses to my mailing address listed above. Thank you for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-29 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-29 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I received inaccurate information regarding my loans which stated that my loans were paid in full. I was under the impression that my balance was {$0.00} however there is {$100000.00} plus balance as of XXXX. The inaccuracies of my loans being transferred without my knowledge or consent is an entire violation.This loan has been transferred to Nelnet, XXXX and now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
Second Dispute XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Failure to Properly Investigate and Verify under FCRA 611 ( 15 U.S.C. 1681i, Subsections AD ), 611 ( a ) ( 7 ), 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and TILA 1601 I am filing this complaint because I am dissatisfied with the outcome of the investigation conducted by Experian regarding the disputed account on my credit report. Despite my initial dispute and Experians subsequent response stating the account was verified, it is clear that the investigation was insufficient and does not meet the legal requirements for accuracy or verification under the Fair Credit Reporting Act ( FCRA ). 
Accordingly, I request a detailed description of the investigation process followed by Experian regarding the disputed account on my credit report. 
I cite the following provisions in support of my position : FCRA 611 ( 15 U.S.C. 1681i, Subsections AD ) : Requires a reasonable reinvestigation and full disclosure of the verification process.

FCRA 611 ( a ) ( 7 ) / 15 U.S.C. 1681i ( 7 ) : Requires credit reporting agencies to provide a description of the investigation procedure within 15 days of receiving a consumer dispute.

FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain the maximum possible accuracy of reported information.

TILA, 15 U.S.C. 1601 : Emphasizes that all credit information provided must be accurate and transparent to protect consumer rights. 
I am requesting that the credit reporting agency provide the following : 1. The full name ( s ) and business address ( es ) of the individual ( s ) or furnisher ( s ) with whom the information was verified.

2. The exact date ( s ) and method ( s ) of communication used to contact the furnisher ( s ) during the verification process. 3. Any voice recordings and/or transcripts of calls used to verify this inform
ation.

4. A clear and detailed description of the entire procedure used to determine the accuracy and completeness of the disputed information, including all internal and external verification steps, as required by FCRA 1681i ( 7 ) If the creditor is unable to provide adequate verification of this account, I request that the entry be immediately deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/year>, between XXXX XXXX and XXXXXXXX XXXX, I purchased a car charger for {$48.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, using my XXXX card ( a charge that posted on XX/XX/XXXX ). Within five minutes, I returned the charger and the refund was reportedly ( according to the XXXX XXXX XXXX associates ) processed successfully by an employee, XXXX XXXX. I gave back the purchase receipt during the return, believing it was standard protocol. After being repeatedly assured the refund would be instant or post within 48 hours, and visiting the store approximately five times over two weeks without receiving the {$48.00}, the XXXX XXXX XXXX store manager advised me to file a dispute with my card company. I filed the dispute with XXXX, explicitly informing them that I did not have the receipt and that the XXXXXXXX XXXX XXXX store does not retain walk-in transaction ( transactions that do not use your XXXX XXXX XXXX account ) records for more than three days, and I specifically requested that the XXXX disputes team call the store manager to confirm the successful refund. I was issued a probationary credit of {$48.00}. However, on XX/XX/year>, XXXX denied the dispute and deducted the funds, citing my failure to " produce a receipt. '' This denial was issued despite my prior explanation about the lack of receipt and the store 's record policy, and it appears the disputes team did not contact the store as requested. I am beyond frustrated with the XXXX Dispute team and their card 's inability to process refunds, a problem compounded by the XXXX XXXX XXXX store 's insufficient record-keeping for walk-in purchases. I re-opened the dispute but have waited 27 days without receiving any appeal paperwork to continue the process, leading me to file this complaint with the Consumer Finance Protection Bureau. 

The XXXX XXXX XXXX store stated they do not store transaction and refund history for more than three days for purchases not associated with an XXXX XXXX XXXX account ( i.e., a walk-in purchase ). ( And I returned the paper receipt when I returned the charger! I thought the refund would be instant, or at least 24-48 hours, I did not expect this to happen! ) However, I believe that XXXX XXXX XXXX Corporate must have a permanent digital record of the transaction and the processed refund in their centralized database, which the XXXX  disputes team should have been able to access or confirm during their investigation. This corporate record should serve as sufficient evidence to validate my claim.

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 2025-10-29 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: AR

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am not responsible for this collection of {$1000.00} with LVNV funding. I have no contract with collector reporting this negative information to my Credit. I am demanding for this to be removed off my Credit. Im constantly loosing point for something I have no responsibility with. I have XXXX Knowledge and I am demanding for this to be investigated and removed of my Credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAC Financial Corp
State: OK

Complaint narrative:
CAC was told all correspondence must be in writing. They continue to call. When they do call they use robo technology putting you on hold for rep when you answer. They use different phone # when calling, even spoofing local numbers. The last call, after they verified me, I asked do you see where you're not supposed to call me, in writing only. After a brief minute to verify, she stated yes I see that. Then immediately hung up. CAC constantly calls several times a week. Calls from CAC ; XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everytime I ask do you see I'm a do not call must be in writing. They answer yes or don't answer and hang up. I don't get anything in mail from CAC this year. As you can see the amount of calls is harassment as well. I've asked for verification, proof of debt, ownership of debt.... no response but say they will. I want all collections to stop removed from credit reports and stop attempting to collect any debts. Also request fines to be levied on them and license to collect suspended for deliberate harassment and violation of FCRPA and fair credit reporting and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I submitted a claim with bank ( BPPR ) on XX/XX/year>, regarding fraudulent charges on my checking account. On XX/XX/year>, the bank credits my checking account with {$6100.00}. On XX/XX/year> the bank makes a withdrawl from my account for {$6100.00}, the funds they had credited a month prior. I contacted the bank on XX/XX/year>, to inquire about the {$6100.00} withdrawl. The bank alleges that, they had closed the claim I had originally open on XX/XX/year>, at my request. They claim that this was done, during a call. I was outraged at the fact that i never requested such a thing. I immediately placed a complaint through ( Banco Popular ) customer service, with confirmation # XXXX. They informed me that this complaint will take 30 days, yet it has passed well over this threshold. I have called several times, with no information provided. i am being affected financially, and perhaps being set to fail considerably. I have missed payments on personal debt, struggling with my rent because of this injustice.I need my {$6100.00} to be credited immediately. This is clear liability on the banks behalf, all because of a lie. The recorded phone call, will speak the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-29 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is the result of identity theft and unauthorized use following the TransUnion data breach. It is disputed under 605B and 1681c-3. XXXX has reported false data damaging my credit standing. 
You are required to block, delete, and remove this tradeline from my report. I request all supporting signature documents and application records used to verify this account. Absent such documentation, immediate deletion is required. Failure to comply within four ( 4 ) days will prompt legal action for continued violations.

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