vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
On XX/XX/year>, I booked a {$380.00} flight through Capital One XXXX using a {$250.00} travel credit ( earned from a previous Capital One promotion ) and my Capital One card. I mistakenly selected the wrong dates. I realized the error on XX/XX/XXXX, just outside the 24-hour cancellation window, and immediately contacted both Capital One XXXX and XXXX XXXX XXXX 

XXXX XXXX informed me that, since it was a XXXX XXXX ticket booked through a third party, only the booking agent ( Capital One XXXX ) had the ability to void, cancel, or adjust the ticket. However, Capital One XXXX claimed they were bound by XXXX  policies and refused to assist in any way. I am now unable to use the ticket and have no option for a credit or refund. 

I escalated the issue to Capital One XXXX support and asked for a goodwill credit or voucher to recover some of the {$380.00} loss. Ive received no help and am left without the product I paid for. Im requesting assistance in resolving this fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Subject : Complaint Regarding ChexSystems Dispute Submission To Whom It May Concern, I am writing to formally submit a complaint against ChexSystems regarding my inability to upload documentation to substantiate my status as a victim XXXX XXXX XXXX. For the past two weeks, I have attempted to use the ChexSystems online portal to submit my dispute, but I have encountered consistent technical issues that prevent me from uploading the necessary documents. 

As a victim XXXX XXXX XXXX, it is crucial for me to rectify any inaccuracies in my financial records. The inability to submit my documentation not only hinders my efforts to reclaim my financial stability but also exacerbates the challenges I face as a survivor. 

I have followed all instructions provided by the portal and called the XXXX XXXX  customer service line, but I have not received any assistance. Each attempt to upload my files results in an error, leaving me frustrated and helpless as I try to resolve these issues as part of my recovery process. 

I kindly request your immediate attention to this matter and a prompt resolution to the technical issues preventing me from submitting my dispute. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX  XXXX XXXX, CA XXXX Email : XXXX Phone : 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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
I experienced a broken pipe in XXXX that caused {$61000.00} of damage to my home. The process with roundpoint has been a nightmare and unprofessional from the beginning. I have gotten the run around, been told the inspector was coming on XX/XX/XXXX they did not. I am unable to restore my home or pay my contractors the remaining money owed because Roundpoint will not release tge remaining {$12000.00} because I havent had the inspection. I cant get their XXXX party vendor XXXX XXXX XXXX  on the phone Ive called left messages and grey havent returned my calls. This has caused me a lot of stress not knowing what the next steps are when Im going to be able to complete the work that is need to restore my home or how Im supposed to pay the contractors. 
Ive completed everything they have asked of me and still they are not able to get me the inspection that they are asking me for so I am able to complete my renovations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Due to Shellpoint Mortgage Servicing 's lateness in sending the loan modification agreement, after successfully completing my three-month trial period ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I'm back to what got me in this situation, and I'm currently XXXX months behind. 

After the last trial payment on XX/XX/XXXX, of {$900.00}, I received a message through their payment portal stating, " We are in the process of creating your final modification terms. We will be in contact with you within the next 30 days to schedule a time to execute the final modification. '' On XX/XX/XXXX, I followed up with a call to check on the status of said modification, and was told that " they are currently working on it, and it should arrive soon. '' It wasn't until midXXXX when I called again and was told that " they are currently still working on it, '' which seems absurd to wait this long. 

With a pending court hearing on XX/XX/XXXX, about this matter, I called on XX/XX/XXXX, and was told " it wasn't complete. '' I expressed this to the judge during the hearing. Two weeks later, on XX/XX/XXXX, I finally received said modification packet ( letterhead dated : XX/XX/XXXX ). The next day, I received another message through their portal, " Congratulations, your approved modification agreement has been mailed and will need to be signed and returned. It is important that the modification agreement is signed and returned right away. Your modification will not be processed until the important step is completed. '' The modification letter stated that the first payment was due on XX/XX/XXXX, yet had to be mailed back by XX/XX/XXXX, for the new amount of {$910.00}. 

I arranged a meeting with a notary for XX/XX/XXXX, due to my work schedule, and it was completed the very same day and sent off ; the notary confirmed with me that they received documents. On XX/XX/XXXX, I went to Shellpoint 's portal to make this payment, and was met with a " This loan has a payment stop '' warning. I called my point of contact expressing this, and she said that I would " have to do it over the phone, '' which I did for {$910.00}, and it was cleared within a day. I received a call the next afternoon ( XX/XX/XXXX ) from my point of contact stating they can't process the agreement until they get the payment for XXXX and XXXX of {$1800.00}. I then expressed that they were at fault, and there was no way for me to know what I would pay until I received the agreement XXXX months later.

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 2025-05-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-07 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: MA

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I found a collection company called LNVN on my report trying to collect a debt in the amount of {$2500.00} with an original creditor that I have never had before heard of. I disputed the debt with all three credit reports and XXXX  removed the collection. But XXXX  and XXXX  is stating that the debt was verified. I have requested multiple times with LVNV, XXXX and resurgent companies that I have found related to this company and emailed request multiple times asking for complete documentation of their reporting debt. I have never received any response nor validation of this claim. They have now reported the debt back on XXXX  as a lower amount now {$2000.00} since it was removed. I want this company to immediately remove all reports of debt from all reporting companies until validation of this debt is verified and they follow procedures set by FDCR laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I attempted to Deposit a check into the ATM on XX/XX/year> - at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The ATM malfunctioned and kept the check ( XXXX XXXX XXXX XXXX for {$580.00} ) A teller came out to assist and told me that the ATM had been malfunctioning frequently. I went into the bank to see if the check had been deposited into my account. 
The check was deposited, and I request that you open the ATM and return the check to me. 

I returned to the Bank at XXXXXXXX XXXX and spoke with the manager. She agreed to retrieve the check within the next day, and credit the account for {$580.00}. 

XXXX - No contact from the bank.. figured issue was resolved. ( Credit stayed for {$580.00} ) XXXX - XXXX XXXX  - checked balance I checked the balance and found a negative balance in my account. I called Huntington Bank in XXXX and spoke with XXXX she told me there was nothing they can do and they would not be able to credit my account and also not be able to contact another manager to credit my account. I explained to her that the money needs to be placed in the account or the check should be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 submitting this FTC Identity Theft Affidavit to report five fraudulent accounts on my TransUnion FICO credit report, all resulting from identity theft. These include : a XXXX XXXX  credit card opened on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a XXXX  XXXX credit card opened on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), two XXXX student loans both opened on XX/XX/XXXX ( Accts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and a XXXX account opened on XX/XX/XXXXXXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These accounts have caused fraudulent hard inquiries and collections on my credit report. I request immediate removal of these items and cessation of any related collection activity, as protected under the FCRA and FDCPA. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Subject : Request for Debt Validation and Assignment Contract Hunter Warfield , Inc . 

To Whom It May Concern : I am submitting this complaint regarding the debt collection actions taken by Hunter Warfield , Inc., a company that has attempted to collect an alleged debt from me. I am disputing this debt and have requested verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. However, Hunter Warfield has failed to provide sufficient documentation to validate the debt.

Nature of the Complaint : Hunter Warfield has not provided : A copy of the assignment contract or purchase agreement showing that they have a legal right to collect the debt A complete chain of title demonstrating how and when the alleged debt was transferred or assigned to them Supporting documentation that substantiates the amount being claimed Legal Precedent XXXX XXXX XXXX XXXX XXXX, XXXX In XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that debt collectors must provide more than a generic account summary. They must produce evidence of ownership and the right to collect the debt, including documents such as the assignment agreement or purchase contract.

Hunter Warfields failure to provide this documentation violates both the FDCPA and the standard established in XXXX. Without proper proof of assignment, they can not demonstrate lawful ownership of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I am writing to you regarding a recent alert I received about a thirty-day late payment on my XXXX XXXX XXXX  account. I would like to dispute this alert per my credit agreement. As stated in my agreement, my due date for payment is the XXXX and any XXXX late payments should be calculated from the XXXX or after. However, my payment was actually processed on the XXXX and was paid before the XXXX. I have attached evidence of this for your reference. Unfortunately, this is not the first time that this has happened with XXXX XXXX XXXX. I kindly request that you correct the reporting on my late payments as my accounts have always been paid before the 30-day passing date. It is important to me that my credit report accurately reflects my payment history and current status. I have attached further evidence for your review. I urge you to correct my credit report immediately to reflect that my payments have been current. I greatly appreciate your prompt attention to this matter and your efforts to ensure the accuracy of my credit report. Thank you for your time and understanding. Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
I am writing to you regarding a recent alert I received about a thirty-day late payment on my XXXX XXXX XXXX  account. I would like to dispute this alert per my credit agreement. As stated in my agreement, my due date for payment is the XXXX and any XXXX late payments should be calculated from the XXXX or after. However, my payment was actually processed on the XXXX and was paid before the XXXX. I have attached evidence of this for your reference. Unfortunately, this is not the first time that this has happened with XXXX XXXX XXXX. I kindly request that you correct the reporting on my late payments as my accounts have always been paid before the XXXX passing date. It is important to me that my credit report accurately reflects my payment history and current status. I have attached further evidence for your review. I urge you to correct my credit report immediately to reflect that my payments have been current. I greatly appreciate your prompt attention to this matter and your efforts to ensure the accuracy of my credit report. Thank you for your time and understanding. Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts

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