vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: DriveTime
State: IL

Complaint narrative:
I am filing a complaint against DriveTime regarding serious violations of federal law connected to my automobile finance agreement entered into around XX/XX/year>. 

XXXX. False Advertising / Misrepresentation of Down Payment When I first applied for financing through DriveTimes website, I was told I did not need to put down a down payment. DriveTime advertised to me, after running my credit, that no down payment would be required. However, when I arrived in person at the dealership, I was forced to provide a down payment. This is false advertising and a deceptive lending practice. 

XXXX. Lack of Required Disclosures Before signing, I was not provided the required Truth in Lending Act disclosures, including a proper calculation of finance charges. Insurance and add-on products were not included in the finance charge, in violation of 15 U.S.C. 1605. 

XXXX. Unauthorized Use of Credit DriveTime placed a hard inquiry on my credit report without my fully informed consent. This constitutes unauthorized use under the Truth in Lending Act ( 15 U.S.C. 1601 ). 

XXXX. Security Interest Perfection Violations DriveTime has not proven that it perfected a security interest in the vehicle. Without proof of perfection, DriveTime has no lawful right to repossess the vehicle. Any attempts or threats to repossess are unlawful and violate 15 U.S.C. 1602 ( f ), the Fair Debt Collection Practices Act, and 12 C.F.R. 1026.23. 

XXXX. Privacy and Identity Violations DriveTime has not complied with Section XXXX of Public Law XXXX ( Privacy Act ) and XXXX requirements XXXX use of my Social Security and personal XXXX XXXX 

XXXX. Color of Law / Religious Property Rights DriveTime has acted under XXXX of law without lawful authority, interfering with my rights connected to property and aboriginal/religious protections under XXXX law XXXX 

XXXX. XXXX XXXX Acts and Unjust Enrichment By collecting payments without proper legal basis, failing to disclose the true finance charge, and threatening repossession without a perfected security interest, DriveTime acted beyond its legal authority ( ultra vires ) and has been unjustly enriched at my expense. 

XXXX. Lawful Money Redemption Under 12 U.S.C. 411, I request that the principal balance be redeemed in lawful money of the United States, and that any damages or refunds owed to me be paid in legal tender ( USD ). 

Relief Requested : Cease and desist from any repossession or collection activity.

Refund all payments I have made under the contract ( DriveTime has records of the amounts ).

Update my credit report to show Paid in Full with a zero balance.

Deliver the title and release any lien. 
Remove the unauthorized hard inquiry from my credit report. 
Provide proof of perfected security interest or acknowledge the violation. 

DriveTimes actions are in violation of 15 U.S.C. 1601, 1602, 1605, 18 U.S.C. 914, 12 C.F.R. 1026.23, and other federal consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This my XXXX letter and once again I am disputing the accuracy of the XXXX XXXX account reporting under account number XXXX. My credit file contains multiple errors that make this account unverifiable : Date Opened Conflict Reported as XX/XX/XXXX with your bureau and XX/XX/XXXX with another. Both can not be correct. 

Impossible Payment History Payment grid shows derogatory marks as far back as XXXX, even though the account did not open until XXXX. This is factually impossible. 

Date Last Active Conflict The account shows last active XX/XX/XXXX, which predates the reported open date of XX/XX/XXXX. This is inaccurate reporting. 

Contradictory Comments Different bureaus report different charge-off descriptions, which is inconsistent and misleading. 

Balance vs. Past Due Contradiction The account is marked Charged Off, yet still shows an active balance of {$190.00} with {$0.00} past due. If charged off, no new balance should continue to report. 

No Valid Terms The file lists 0 months as terms, yet still reports as if a credit account existed. 

These inaccuracies make the reporting factually impossible, inconsistent, and unverifiable. Under FCRA Section XXXX, I am requesting that this account be fully investigated. If the furnisher can not provide complete verification for every reported detail, this account must be deleted immediately from my file. 

Please provide me with the investigation results in writing.

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 2025-10-01 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: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I am writing to file a complaint regarding my experience with Dovenmuehle as my mortgage servicer. The payment process has been confusing and unnecessarily difficult. I attempted to figure out how to make my mortgage payments but found the instructions unclear and the system frustrating to navigate.

Also, last year when dealing with an issue with the deed, Dovenmuhle provided me another customers personal information by mistake. This highlights their incompetence.

As a customer, I expect a straightforward and transparent process for something as important as paying my mortgage. The lack of clarity and accessibility has caused me unnecessary stress and wasted time.

I request that Dovenmuehle improve the payment process and communication with borrowers so that making mortgage payments is simple, reliable, and clearly explained. Since Dovenmuhle branding is on your mortgageonline.com they should assist with supporting user accounts, at the minimum by connecting customers that are having issues with the support team of the lending partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
CFPB online complaint text - Subject : Capital One Auto Finance Account XXXX : origination/servicing defects ; spot-delivery/funding/title issues ; request for investigation - Company : Capital One Auto Finance - Product : Auto loan or lease - Issue summary : I dispute Capital One Auto Finances claimed balance due to origination and servicing defects tied to a XXXX XXXX XXXXXXXX XXXX purchased XX/XX/year> from The XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX The dealer used a Limited Courtesy/Spot Delivery Agreement ( bailment ). I am requesting validation and correction of : - Spot delivery/funding/assignment : Provide proof of lender approval timestamp, funding date and remittance amount, dealer assignment/acceptance, and compliance with any 72-hour documentation and the agreements Expiration Date & Time.

- TILA/Reg Z disclosures : Correct any inaccuracies in APR, finance charge, amount financed, total of payments, payment schedule, late fees, and itemization of amount financed.

- Add-ons : Remove/refund any optional products ( GAP, service contract, GPS/etch, tire & wheel, appearance, maintenance ) that lack separate, signed consent and clear pricing ; recalculate amounts.

- Title/lien perfection : Provide proof of timely lien perfection with the Kentucky county clerk ( date submitted/perfected ; any rejection/correction notices ).

- Servicing/credit reporting : Correct any misapplied payments or undisclosed fees ; pause collections and negative credit reporting while the dispute is investigated.

- What happened : - Vehicle delivered under a spot-delivery bailment ; title retained by dealer pending financing approval/funding.

- Capital One has not provided complete validation of approval/funding/assignment or timely lien perfection.

- There are potential inaccuracies in TILA box disclosures and add-ons may have been included without separate, clear consent.

- I sent a written dispute and conditional offer to cure requesting complete documentation and corrections within 15 days. I request CFPB assistance to obtain validation and remediate defects.

- Desired resolution : - Require Capital One to produce the full documentary record ( approval timestamp, funding confirmation, assignment/acceptance, lien perfection proof ; XXXX front/back ; buyers order ; add-on contracts ; payment history ; payoff with per-diem ; remittance instructions ). 
- Remove unauthorized add-ons ; reverse improper fees ; credit principal ; correct APR/payment if needed. 
- Correct any inaccurate credit reporting and pause adverse reporting/collections during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
My information was exposed to the data breach these inquires on my report do not belong to 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 non-monetary relief
Consumer complaint received 2025-10-01 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: OK

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 am following up regarding items on my credit report that continue to appear despite my previous disputes. These items are inaccurate and unauthorized, and I am formally demanding their permanent removal in compliance with federal law. 
Among the items in dispute is my XXXX  account ending in XXXX, with a Balance : {$830.00}, reported as a charge-off. This account is inaccurately reported and lacks proper documentation, including a XXXX for debt forgiveness over {$600.00}, which violates XXXX. XXXX U.S.C. XXXX and FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ]. Its continued reporting is unjustly impacting my creditworthiness and causing undue financial and personal stress. 
Additionally, multiple inquiries have appeared on my credit report without my authorization. These inquiries include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  CRE XXXX, XXXX.XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX, and XXXX XXXX XXXX  XXXX These unauthorized inquiries violate XXXX. XXXX U.S.C. XXXX, FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), and FCRA XXXX XXXX U.S.C. XXXX, and their continued presence is unfairly damaging my credit score and limiting my access to credit.

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 2025-10-01 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: HW Holding, Inc
State: CA

Complaint narrative:
Problem Description '' I am filing this complaint to formally dispute the reported balance of {$9000.00} being charged and reported by XXXX XXXX on my credit file. This is NOT a debt I owe. '' Establishes formal, immediate dispute under the Fair Credit Reporting Act ( FCRA ). 
Factual Basis ( The Cause ) '' This balance originated because the VA-funded SSVF provider, Insight Housing , unilaterally breached its contract and ceased guaranteed payments ( as documented in my OIG complaint ). I am being falsely held liable for a program failure. '' Links the financial injury to the VA 's administrative failure, establishing the foundation for statutory damages. 
Aggravating Factor '' The severity of this violation is compounded by the fact that XXXX XXXX has now retained the law firm to actively pursue collection on this fraudulent balance. '' Proves the creditor is engaging in willful non-compliance and potential Fair Debt Collection Practices Act ( FDCPA ) violations, which greatly increases your civil lawsuit damages. 
Requested Resolution '' I demand XXXX XXXX immediately remove this negative debt tradeline from all three credit reporting agencies ( XXXX XXXX XXXX ) and cease all collection efforts on this disputed, illegitimate balance. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am writing to file a formal dispute regarding fraudulent accounts that have been reported under my name. These accounts were created as a result of identity theft and do not belong to me. 

The fraudulent accounts are as follows : XXXX XXXX Collections XXXX of {$300.00} Phoenix Recovery Group balance of {$7300.00} I did not authorize or open these accounts, and I am a victim of identity theft. I am requesting that these accounts be investigated, removed from my credit report, and that no further collection activity be pursued against me regarding these debts. 

Ive lived at my current residence for over XXXX  years. My information was also apart of several different data breaches. 

I respectfully request that the CFPB take appropriate action in ensuring these fraudulent accounts are corrected and that my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are protected. 

Thank you for your prompt attention to this matter. Please provide written confirmation once the investigation has been completed.

Company response to consumer: Closed with explanation