vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
On XX/XX/XXXX, I traded in my car and I submitted a car payment. That same day, I traded in my XXXX Kia XXXX for a XXXX Kia XXXX. and have documentation on the paper work stating that my payoff for my car is XXXX. This was all signed at the dealership. I mentioned to the Kia dealership that I paid my car payment this morning, will I get that money back? They said yes and it should come quickly because it is illegal for them to hold onto that money. I reached out to Kia Finance a week after following up on my overpayment. They stated that there is no over payment and the vehicle was paid in full. OBVIOUSLY .. not only did they say that but they were extremely rude acting like I didnt know what I was talking about. The amount they show online paid off on my forte was, XXXX on the XXXX of XXXX. Which is a week after I already traded in my vehicle. That is not what I signed for at the dealership. So that all needs back dated for when I actually signed this trade in paperwork, ON THE XXXX of XXXX. Do the finance companies get the signed payoff paperwork from the dealership? I am 100 % sure they do. I have spoken to higher up people in the Kia Finance America company to get this resolved and they all still say I am not owed anything. Theres XXXX difference, and thats exactly the payment I made. I DID NOT HAVE POSSESSION OF THE VEHICLE WHEN THE MONEY LEFT MY BANK ACCOUNT. I am not blaming the dealership in anyway so I will not include their name because they are phenomenal to work with, I am blaming the Kia Finance America company with whom my vehicle was paid off through.

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 2025-12-15 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: PA

Complaint narrative:
I am submitting this third follow-up complaint regarding my prior disputes and formal requests for the permanent removal of inaccurate, unverifiable, and unauthorized items appearing on my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple prior communications, several accounts and inquiries continue to appear incorrectly, and I am formally requesting their immediate and permanent removal. 

My XXXX XXXX XXXX  accounts, reported in Experian, Equifax, and TransUnion with balances of {$7700.00}, are false, unverifiable, and reported without proper documentation such as a 1099-C. These accounts violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) for failing to ensure accuracy, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2 regarding furnisher responsibilities, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requiring proper procedures for reporting. These accounts are damaging to my financial reputation and must be permanently removed. 

Similarly, my XXXX XXXX XXXX. accounts, reported in all three bureaus with balances of {$13000.00}, are inaccurate and unverifiable, violating the same statutes, misrepresenting my financial history, and requiring immediate removal. XXXX XXXX XXXX accounts, reported with balances of {$690.00} in Experian, Equifax, and TransUnion, are also false and misleading, violating FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ), and they must be permanently removed without delay. 

Unauthorized inquiries remain on my reports, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in Experian XXXX XXXX and XXXX XXXX XXXX in Equifax ; and XXXX XXXX XXXXXXXX, and XXXX in TransUnion. These inquiries were made without my authorization and violate FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ). Their continued reporting is misleading, unlawful, and must be permanently 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding a disputed credit card payment that Bank of America has improperly classified as a returned check. 

On or about XX/XX/year>, I made a credit card payment in person at a Bank of America branch using a personal check. I was later informed that the payment failed due to a returned check. 

However, my bank has confirmed that the check was never presented for payment and never entered their processing system. When I requested documentation from Bank of America, I was informed that in this instance the check was not actually returned, yet the payment was still not credited. 

This explanation is inconsistent and raises concerns regarding Bank of Americas internal handling of in-branch check payments. 

As a result of this issue, negative account notation assessed to my account despite no fault or omission on my part. 

I am requesting that Bank of America : 1. Provide a clear written explanation of why the payment was not processed ; 2. Confirm whether the check was ever presented for clearing ; 3. Remove all negative account impact ; and 4. Ensure that my account reflects good standing as of the original payment date.

I have attempted to resolve this matter directly with Bank of America, but the explanations provided to date have been unclear and contradictory. 

Thank you for your assistance.

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 2025-12-15 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: CA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC regarding their handling of a disputed tradeline furnished by XXXX XXXX XXXX ( Account # XXXX ). 

Equifax opened two investigations regarding this account. In one of those investigations, Equifax closed the dispute and retained derogatory information without addressing contradictory, facially impossible data and without waiting for or considering related CFPB complaints involving the same furnisher and account. 

Specifically, the tradeline reports an XX/XX/year> scheduled payment of {$250.00} while simultaneously stating a {$0.00} payment made on XX/XX/year>. This is chronologically and mathematically impossible and directly contradicts billing statements showing the XXXX amount remained due. The account was also in debt consolidation during this period.

Equifaxs closure of the investigation while such inconsistencies remain constitutes a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. Reliance on a furnishers bare certification, without reconciling internally inconsistent data, does not satisfy the FCRA.

This issue is part of a broader pattern of inaccurate furnishing and retaliatory reporting by XXXX XXXX XXXX, which is already the subject of multiple CFPB complaints. Equifaxs premature closure exposes consumers to continued harm and undermines the integrity of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
CFPB COMPLAINT DEMAND FOR REMOVAL OF COLLECTION / CHARGE-OFF Consumer Complaint Narrative ( Paste Below ) I am filing this complaint against The Receivable Management Services LLC for reporting an inaccurate, unverifiable, and legally noncompliant collection account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), FTC Act, and CFPB furnishing requirements. 



Account Information Being Disputed Account Owner : Individual Account Original Creditor : Progressive Creditor Classification : Insurance Collection Agency : The Receivable Management Services LLC Date Assigned : XX/XX/XXXX Account Status : Unpaid Original Amount Owed : {$240.00} Balance Owed : {$240.00} Status Date : XX/XX/XXXX Balance Date : XX/XX/XXXX Comments : Consumer Disputes Reinvestigation In Progress Agency Contact Information : The Receivable Management Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Phone : XXXX Violations of Federal Law XXXX. Reporting Unverifiable Information FCRA 611 ( 15 U.S.C. 1681i ) The collection agency is reporting a debt without providing competent verification, including : Proof of legal ownership of the debt A valid assignment or bill of sale from Progressive A complete accounting of the balance Under FCRA 611, any information that can not be verified must be deleted, not updated. 



XXXX. Inaccurate and Misleading Reporting FCRA 623 ( a ) ( 1 ) ( A ) The furnisher is reporting a collection without proof that I owe this debt, which constitutes inaccurate and misleading information. 



XXXX. Failure to Report Required Delinquency Dates FCRA 623 ( a ) ( 5 ) The tradeline fails to report a valid Date of First Delinquency, making the reporting noncompliant and unlawful. Without a verified XXXX, the account can not legally be reported. 



XXXX. Reporting Future-Dated Information The status date and balance date of XX/XX/XXXX represent future-dated reporting, which is factually impossible and violates : FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy requirements ) CFPB furnishing accuracy standards This defect alone renders the entire tradeline unreliable and subject to deletion. 



XXXX. Unfair and Deceptive Practices FTC Act 5 Reporting a collection account without documentation, verification, or accurate dates constitutes an unfair and deceptive act under the FTC Act. 



XXXX. CFPB Furnisher Obligations ( XXXX XXXX XXXX Regulation V ) Debt furnishers must : Conduct reasonable investigations Report complete and accurate data Remove unverifiable information The Receivable Management Services LLC has failed to meet these obligations.

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 2025-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed a Capital One XXXX XXXX tradeline on XX/XX/2025 because the account is reported as a chargeoff / profit and loss writeoff with a reported balance of {$350.00} and a credit limit of {$200.00}. In my dispute I requested the signed contract, the full account ledger ( showing all debits/credits and ledger entries ), and the exact date of first delinquency so I could confirm the accuracy and timeliness of the reporting. 

XXXX reinvestigation returned a response stating the item was verified and that several fields were modified ( additional information ; date of major delinquency first reported ; historical account information ), but XXXX  did not disclose the method of verification, did not produce the signed contract or full ledger, and did not provide the ledger entries that establish the date of first delinquency. Because I requested those documents, a bare verified response without the underlying records is insufficient under the FCRA and does not show a meaningful investigation. 

I also attached a certified Georgia UCC search report ( Report No. XXXX, dated XX/XX/2025 ) showing no UCC filings for the name searched, which undermines any claim of a perfected security interest or assignment. I attempted to upload this UCC report and other supporting documents to the same dispute three separate times, but each attempt failed with an upload error instructing me to try again later. 

Requested remedy : delete the tradeline unless XXXX  or the furnisher produces the requested documentation ( signed contract, full ledger, and the ledger entries establishing the date of first delinquency ) and discloses the method of verification used in the reinvestigation. I have the certified UCC report and screenshots of the upload errors and will provide them as attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: WA

Complaint narrative:
On XX/XX/year>, I attempted to check into a hotel booked through XXXX ( reservation XXXX ). I was physically present at the property but was denied check-in and never allowed access to the accommodation. As a result, the service I paid for was not provided. 

I contacted XXXX customer support multiple times the same day and requested relocation. I informed both XXXX and the hotel staff that I had a medical condition requiring immediate and stable accommodation. XXXX advised me by phone that relocation would be arranged and that I would receive an email within approximately XXXX minutes. No relocation email or alternative accommodation was ever provided. 

After the incident, XXXX offered only a partial refund, which I rejected. I sent multiple detailed emails explaining that I was denied access to the accommodation and requesting a full refund and reimbursement for out-of-pocket expenses. XXXX never replied to my emails. 

I then filed a billing dispute with Capital One for the full charge of {$490.00} on the basis that the merchant failed to provide the service. Capital One later closed the dispute in favor of the merchant, stating that I did not submit supporting documentation within the required timeframe. 

I was never notified by email, phone, or in-app message that evidence was required, and I was outside the country during the relevant period. As a result, I was unaware that documentation was needed and was denied the opportunity to submit my evidence. 

When I contacted Capital One to escalate the issue and requested reconsideration due to lack of notice, a manager refused to escalate the dispute further and terminated the call. I was not provided any written appeal process or opportunity to submit documentation. 

I have extensive written evidence, including email correspondence, showing that the merchant failed to provide the booked accommodation and did not respond to my refund requests. Capital Ones handling of this dispute denied me procedural fairness and the opportunity to present evidence. 

I am requesting that Capital One reconsider the dispute and accept my documentation showing that the service was not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and inconsistencies in my credit reports across Equifax, Experian, and TransUnion. Several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Department of EducationXXXX XXXX XXXX are reporting conflicting balances, last activity dates, and delinquency statuses. For instance, XXXX XXXX XXXX a balance of {$64.00} with last activity dates of XX/XX/XXXX in TransUnion and XX/XX/XXXX in Experian, while Equifax reflects it in good standing. XXXX  XXXX XXXX and XXXX have reported 30-day late payments with differing last activity dates across bureaus, while Equifax shows good standing. XXXX XXXX is reported with 30-day late payments in TransUnion and Experian at varying dates, yet Equifax reflects accurate standing XXXX XXXX XXXX accounts XXXX show inconsistent balances and late payment histories ranging from XXXX to 90 days. XXXX XXXX Bank XXXX and XXXX XXXX accounts report differing balances and last activity dates across bureaus, and some are not reported at all in Equifax. XXXX XXXX XXXX  XXXX shows varying last activity dates and balances across all three bureaus. Capital XXXX XXXX and XXXX accounts display late payments on Experian but good standing on Equifax and TransUnion. These discrepancies have created a misleading representation of my creditworthiness and may negatively impact my financial opportunities. I have attempted to resolve these inconsistencies with the bureaus and furnishers but have received conflicting responses, making it difficult to ensure my credit report accurately reflects my financial history.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
b'I am writing to formally dispute inaccurate and unauthorized personal information currently\nbeing reported on my credit file with your agency, in violation of the Fair Credit Reporting Act\n(FCRA), 15 U.S.C.  1681 et seq., and my federally protected Right to Privacy. Pursuant to 15\nU.S.C.  1681e(b), credit reporting agencies are legally required to maintain only accurate\ninformation and ensure the maximum possible accuracy of consumer data. Furthermore, the\nFCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information,\nincluding addresses and employers that are not demonstrably and directly associated with the\nconsumers credit history. Incorrect Information Reported: Name Variations  The only\nauthorized and correct name that should appear on my credit report is: XXXX XXXX XXXX Any other name variation  must be permanently removed as it is\nincorrect and misleading. Addresses  The only address that should appear on my credit file isXXXX XXXX XXXX XXXX  Michigan XXXXincluding but not\nlimited to XXXX XXXX XXXX XXXX MI XXXX XXXX  Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and\nconstitute a violation of FCRA provisions. Legal Basis for This Dispute: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, you are obligated to: Ensure the maximum\npossible accuracy of the information in my file ( 1681e(b)) Correct or delete any information\nfound to be inaccurate or unverifiable within 30 days of this notice ( 1681i(a)) Refrain from\nviolating my Right to Privacy by publishing or reporting personal data without my consent or in\nthe absence of a permissible purpose.'

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 2025-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: CA

Complaint narrative:
I went to use my CASH APP account and it wouldnt work when I logged in, it told me that my account t was deactivated for violation of terms, I have had this account t a few years. Then my daughters account was deactivated for same reason with no explanation. My husbands account says closed due to fraud, he hasnt used his account since XXXX. Our business Cash App also was deactivated for violation of terms. 
All the accounts, links to each of our names, and the business name. Once accounts were deactivated, they all have my name on them now. 

I called CASH APP, and was told that I can appeal decision and it would be 10 days. I could not speak with anyone else. No one could tell me what terms I violated or what fraud was my husbands. It has been more than 10 days, I have no gotten any info as of yet. When I call, they tell me I just have to wait for an email. Still cant talk to anyone. 
It has everything all messed up. Bills bouncing, checks deposits being returned, bills not able to be paid, and they CANT TELL ME ANYTHING????? On XXXX accounts. Come on

Company response to consumer: Closed with explanation