vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been attempting to settle this account with Capital One for nearly two years now. They have been unwilling to work with me, even though I have been, on multiple attempts, more than willing to pay a reduced about to settle the account. Communication has been terrible, and one person doesn't know what the other person is doing/saying/etc. 

In XXXXXXXX XXXX, I was told that if I would pay the minimum amount ( approx. {$330.00} ), the account would be then marked as " current '', and on my credit report as well, and then Capital One would explore settlement options for the account. I paid that amount when it was due, XX/XX/year>. The account was then marked as " current '' on my credit report during the XX/XX/year> update. 

On XX/XX/year>, I received a letter from Capital One, dated XX/XX/year>, stating that with my most recent payment, a settlement had been completed and no further attempts to collect the debt will be made -- the account will be marked as " settled for less than the full amount. '' The bottom of the letter stated that this is NOT an attempt to collect a debt. That letter is attached to this complaint. The account was closed, and the approx. {$2400.00} still outstanding was forgiven. I had a scheduled payment of {$100.00} marked for XX/XX/XXXX, prior to receiving this settlement letter, to keep the account balance paid down and avoid a charge-off. After receiving the XX/XX/XXXX settlement letter, I attempted to login to the Capital One account, but it would not let me in. 

The {$100.00} payment for XX/XX/XXXX was never processed by Capital One. 

Then, on Friday, XX/XX/XXXX, I received an email stating to " Breathe Easy-your account has been charged-off and you can just pay on the principal balance ( which was originally the approx. {$2400.00} ) ... no interest or other fees would be added to it. I have attached that email screen shot as well to this complaint.

I do NOT owe any further payments with this company, per the settlement letter dated XX/XX/year>. I immediately attempted to contact Capital One, but had no response to this matter. I will not recognize any outstanding balance with this account, as the settlement letter dated XX/XX/year> proves this account is settled and closed. I was also told I would not be contacted again to collect the debt, and I have been contacted again, which is also a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am reviewing my Equifax credit report as part of my efforts to maintain accurate credit reporting. I am disputing several accounts and inquiries that appear inaccurate, outdated, or unverifiable, and I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off / Collection 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 Please verify all accounts and remove any that are inaccurate, outdated, or unverifiable. 

Inquiries XXXX XXXXXX/XX/XXXX Please verify that this inquiry was authorized and remove it if it can not be verified as a permissible purpose under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
I am disputing the following accounts on my TransUnion credit report. Please investigate the accuracy of these items and remove any unverifiable information in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$340.00} Late Payments : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-03 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: CA

Complaint narrative:
Capital One closed Case # XXXX for untimely documents but NEVER sent me a letter or email with a deadline. I called ; supervisor refused to reopen. This violates FCBA.

I never took the rental car : - Same-day booking ( XXXX XXXX XXXX XXXX XXXX no 48-hour cancellation possible. 
- Email used SIPP code IDMR did NOT say manual transmission.

- Salesperson didnt show contract before I signed at XXXX emailed only after. 
- Refused unsuitable vehicle ( manual + no luggage space for family of XXXX ) at XXXX never took keys. 

XXXX XXXX XXXX XXXX in their final email ) : > Cancellations within 48 hours = 50 % charge.

I was charged 100 % ( {$540.00} ) * * {$270.00} OVERCHARGE * *. 

I mailed a formal FCBA dispute today ( XX/XX/XXXX ) with all XXXX documents. 
Demand : Reopen case, provisional credit {$540.00}, full chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I am reviewing my Equifax credit report as part of my efforts to repair and maintain accurate credit reporting. I am disputing several accounts and late payments that appear inaccurate, outdated, or unverifiable, and I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off / Collection 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  I request verification of all disputed items and removal of any inaccurate, outdated, or unverifiable entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
The presence of unfamiliar public records on my credit report is distressing. I urge you to swiftly rectify this situation and update my credit profile accordingly. Your timely response to this issue is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One regarding my credit card account ending in XXXX. 

I traveled abroad for business in XX/XX/year> and was unable to access my Capital One account via the app or website due to international IP restrictions. I made multiple attempts to log in and also tried to call the XXXX customer service number from XXXX, but the call would not connect.

Upon returning to the United States after five months, I immediately paid {$500.00} toward my balance. I discovered that nearly {$300.00} in late fees and interest had accumulated in my absence. 

I explained this to Capital Ones phone support and even visited a branch in person, but I was told they would not open a case, nor would they remove the fees despite my good-faith efforts and the technical issues on their end that prevented me from managing my account while I was abroad. 

I am requesting that the CFPB assist me in resolving this matter and request that Capital One refund the late fees and interest and restore my account to good standing. I believe this situation could have been avoided had the banks app, website, or support line been accessible to me while I was overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is an inaccurate bankruptcy showing on my credit report. I respectfully request that an investigation be carried out to correct and update this information within 5 business days.

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 2025-11-03 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
I had a loan with them a long time ago, using an old landline and an email address connected to the landline so when I tried to log onto their system, they had all my old information when I just got the new loan I tried to go on there to make a payment And they had to send me a code to my old home landline, which I can not do and then also try to an old email address, which is at least XXXX XXXX XXXX. I tried to talk to customer service. They said they could not verify me and would not help me out so I could have online banking access Because of my phone numbers. Ive been working with a month now trying to pay this off. I no longer want the loan with them they said that they would waive the interest and I would just pay the XXXX but when I went through their system to pay off the loan they would they refuse my payment. Ive been trying to contact them almost on a daily basis trying to get this paid off and Ive gone round and round and Im so tired. I just wan na pay this off. I owe them {$30000.00} now theyre telling me I owe XXXX and more dollars but Ive been trying to pay this off for a month so Im wanting them to waive all the interest and accept my payment which theyre refusing to

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 2025-11-03 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: GA

Complaint narrative:
The investigation did not fix an error on my credit report

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 2025-11-03 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Didn't send documents showing that you signed anything, no balance breakdown, no proof that they can legally collect the debt, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
This debt does not belong to me. I have called and spent hours on the phone with them ; I have disputed this multiple times and requested formal documents.

Formal Dispute of Debt -Demand Proof of Assignment of Contract I am writing to formally dispute inaccurate information being reported on my credit file. This my third attempt to dispute the alleged debt you are reporting. request under Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which grants me the right to request the sources and documentation of any information reported about me. Under 15 U.S.C. 1692g ( FDCPA ) and U.C.C. Article 9, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment of contract from the original creditor.

I am requesting that you provide the original signed contract or application bearing my signature that verifies my responsibility for this debt, including proof of assignment of contract. Without this documentation, you are not legally permitted to continue reporting this account. 

Furthermore, if any third party has paid or assumed this debt, I request verified proof of that transaction. If you can not provide this documentation, I consider the reporting of this account to be fraudulent and demand its immediate removal from my credit report. 

Please consider this a formal complaint and a demand for validation. If you fail to respond with the requested documentation within 30 days, I expect the account to be deleted from my credit file. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: SC

Complaint narrative:
UNIFUND CCR LL C is falsely reporting on my credit. I have never had any accounts with them. Per my research UNIFUND CCR LL C is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation