vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I applied for a new Capital One business checking account for my sole proprietorship business. The account was approved and opened immediately. I began the external account linking process through the capital one website to complete ACH transfers to fund my account. I completed this linking process on XX/XX/year>. 

On XX/XX/year>, I initiated an ACH transfer via Capital One, to withdraw {$5200.00} from my XXXX Checking account to fund my new Capital One business checking account. The money was withdrawn from my XXXX  checking account that day. 

As of XX/XX/year>, my Capital One business checking account still shows a {$0.00} available balance despite the " current balance '' being {$5200.00}. I have not received any communication regarding the reason for this unexpected hold. 

On XX/XX/year>, I called Capital One to inquire as to the reason for this hold on my funds. The first agent I spoke with at XXXX PST indicated that they would look into the matter further and that I would need to call back in 1-2 hours. I called back at XXXX PST and the new agent I spoke with put me on hold for several minutes and then hung up on me and did not call back, despite having taken down my phone number " in case the call was disconnected ''. I called back again at XXXX PST and spoke with a new agent, and after 30 minutes of the agent repeatedly putting me on hold, and me completing photo & driver license identify verification, the agent still was unable to provide a reason as to why my funds were on hold. I requested that they reverse the transfer and close my account immediately. They indicated that they were unable to do so, as they had to wait for some account investigator to respond, and the investigator had not been responding to their requests. I told them this was unacceptable and that I would be filing a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
XXXX was taking out my account and they never sent me a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute a late payment that you have reported on my account number XXXX. I believe the late payment entry is inaccurate and that the required legal standards for reporting such information were not met.

Under 15 U.S. Code 1681a ( 2 ), a consumer report does not include information that reflects solely transactions or experiences between a consumer and the person furnishing the information. If the alleged late payment is based on such internal transactions or experiences, it should not have been reported as part of my consumer credit file. Additionally, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported must be accurate, complete, and properly verified.

If XXXX XXXX XXXX can not provide documented proofincluding evidence of mailing or delivery of any required noticesthen the reported late payment is unverifiable and must be removed. Failure to delete unverifiable information would be a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverified information to the credit reporting agencies.

I request that you delete the inaccurate late payment from all reports you furnish to any consumer reporting agency. Please provide written confirmation that this information has been corrected or removed.

Thank you for your prompt attention to this matter. I look forward to your response and confirmation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute a late payment that you have reported on my account number XXXX. I believe the late payment entry is inaccurate and that the required legal standards for reporting such information were not met.

Under 15 U.S. Code 1681a ( 2 ), a consumer report does not include information that reflects solely transactions or experiences between a consumer and the person furnishing the information. If the alleged late payment is based on such internal transactions or experiences, it should not have been reported as part of my consumer credit file. Additionally, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported must be accurate, complete, and properly verified.

If XXXX XXXX XXXX can not provide documented proofincluding evidence of mailing or delivery of any required noticesthen the reported late payment is unverifiable and must be removed. Failure to delete unverifiable information would be a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverified information to the credit reporting agencies.

I request that you delete the inaccurate late payment from all reports you furnish to any consumer reporting agency. Please provide written confirmation that this information has been corrected or removed.

Thank you for your prompt attention to this matter. I look forward to your response and confirmation. 

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 2025-11-25 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have reached out to ally about this car that makes my credit score go down i ask ally where is the car but they couldn't tell me I havent talk to the other person on the contract. Because she has a keep away on me. I just want to get this fixed because I'm unable to purchase another vehicle, this car hasn't been registered and dont have any car insurance on it. I have been trying for years to get this tooken care of but is unable to get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I owe XXXX and they reported the vehicle for repossession. I explained that my husband passed away and asked for my payments ro be put at the end of the loan. They refused. I spoke with them today ( XXXX ) and was telling the lady on the phone that i would pay it in the next few days. She kept asking why was I late which had already been explained before. 

She then said she was going to document that I CAN NO LONGER AFFORD IT. I never said that. 

She was going to lie to speed up the repossession. Then said I was gon na have to pay alot of expenses because of it. 

Another time they set up a payment promise which I asked them not to do ( in XXXX ). They did anyway and I got messages about paying the promise. I called immediately and asked them to review the recording and they promised to call me back after reviewing the conversation which they never did. Ever time a promise is broken it goes against me. 

They literally won't listen to the recordings to verify their employees are doing this. 

This is causing me undue stress and emotional problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Issue : My lender has failed to apply an extended warranty refund to my auto loan account in the amount of {$950.00} What happened : I canceled the extended warranty on my vehicle, and the car dealership sent the refund to my lender. The lender received the refund on XX/XX/year>, but as of today, the funds have not been applied to my auto loan balance. I have contacted the lender multiple times, but they have not provided any explanation for the delay or any update on when the funds will be posted. 

Why this is a problem : This failure to credit my account is causing unnecessary financial hardship and may result in inaccurate loan balances or additional interest charges. The lender has not communicated any valid reason for withholding the funds or delaying the credit. 

What I am requesting : Immediate application of the extended warranty refund to my auto loan balance Written confirmation showing the updated loan balance after the refund An explanation for why the refund was not applied in a timely manner.

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 2025-11-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Formal Notice of FCRA Violations Demand for Immediate Correction To Whom It May Concern, This letter serves as a formal legal demand for the correction of inaccurate information appearing on my TransUnion consumer report. 

I have disputed XXXX incorrect late payment entries : XXXX. XXXX XXXX  alleged late payment, XX/XX/XXXX XXXX. XXXX XXXX  alleged late payment, XX/XX/XXXX Both original creditors have verified in writing that these accounts are paid as agreed and that the alleged late payments should not be reporting. 

Despite this, TransUnion has stated that it will not update or remove the inaccurate late payment historyeven though the creditors have confirmed that the information is incorrect. Because the information can not be verified as accurate by the furnishers, the entries must be deleted.

TransUnions actions violate the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete inaccurate or unverifiable information 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy By continuing to report late payments that the furnishers have invalidated, TransUnion is engaging in negligent and willful noncompliance under 1681n and 1681o, making the company liable for : Actual damages Statutory damages up to {$1000.00} per violation Court costs and attorneys fees DEMAND I hereby demand that TransUnion : 1. Immediately delete the inaccurate

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 2025-11-25 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am formally disputing the accuracy of the following accounts appearing on my XXXX, XXXX, and XXXX  credit file. These items contain reporting errors and must be investigated under the Fair Credit Reporting Act ( FCRA ).

Please conduct a reinvestigation and provide written results. 
XXXX XXXX XXXXcharge off- XXXX XXXX-charge offXXXX XXXX XXXX charge off- XXXX Affirm-4 charge off-XXXX  These entries contain factual inaccuracies including incorrect dates, inconsistent payments history, improper charge off reporting, re-aging concerns and incomplete data. I am requesting a full reinvestigation and deletion of any information that can not be verified. Please mail me results of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX, I financed an auto loan with Capital One Auto Finance for approximately {$13000.00}. To date, I have paid over {$23000.00} toward this loan, but the lender is still requiring an additional {$2600.00} balance.

I have faced significant and well-documented financial hardships : Job loss during COVID ( 2 years unemployed ). 

XXXX XXXX  and births during this time. 

A brief return to work followed by another layoff. 

Current unemployment income of only {$100.00} per week, with XXXX young children. 

Throughout my hardship, I repeatedly contacted Capital One Auto Finance for assistance. Each time, I was told that no help was available other than deferring payments and adding more interest. Most recently ( XX/XX/XXXX ), I requested a settlement or forgiveness of the remaining {$2600.00}, given the extraordinary amount I have already paid. I was told Capital One can not do that.

I believe I have acted in good faith and have repaid far more than the original loan balance. Capital One has refused to offer any hardship relief, even after receiving over {$23000.00} on a {$13000.00} loan. I am requesting CFPB assistance in obtaining a fair resolution, such as forgiveness or settlement of the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
My credit reports contain inaccurate identity information due to a mixed-file error. Multiple incorrect names and addresses appeared on my reports that do not belong to me. These errors have caused verification failures and prevented me from accessing my own credit information. 

I sent formal disputes requesting removal of all incorrect personal information and a proper reinvestigation, but the bureaus have not corrected the issues. 

I am requesting CFPB assistance to require the credit bureaus to fully unmerge my file, remove all incorrect names and addresses, and ensure my personal identifying information matches my legal documentation as required under FCRA 602, 607 ( b ), and 611 ( a ).

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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: AZ

Complaint narrative:
In a time of desperation, I signed up for a {$970.00} loan. It was explained to me that it would be paid back in XXXX installments over the course of 9 months. After the fact, I received a payment schedule of {$290.00} every XXXX weeks for 9 months to be withdrawn from my checking account, totaling over {$5000.00}. They absolutely know their offer is misleading and never once explain their method of taking money from you every XXXX weeks with XXXX XXXX XXXX XXXXerest. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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, XXXX XXXX, XXXX last XXXX XXXX, recently reviewed a copy of my credit report, and I noticed I had fraudulent accounts on my report. Please block and remove these accounts from my report ; they are hurting my ability to obtain 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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SS # : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Method of Verification File # XXXX Accounts : XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX ) and XXXX  XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 2 ), 1681i ( a ) ( 6 ), and 1681i ( a ) ( 7 ), to formally request the METHOD OF VERIFICATION used to validate the following accounts that TransUnion has reported as Verified as Accurate on XX/XX/XXXX : XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  According to your report, this account was last updated XX/XX/XXXX with a listed charge-off amount of {$3700.00} and delinquency reporting in XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX According to your report, this account was last updated XX/XX/XXXX with a balance of {$640.00} and delinquency reporting in XX/XX/XXXX and XX/XX/XXXX. 
Under FCRA 1681i ( a ) ( 7 ), I am requesting a full and complete description of the procedures, databases, contacts, and documentation you used to verify the accuracy of these accounts. This includes but is not limited to : The name of the individual you contacted at each furnisher The date and time of each verification Whether verification was automated or manual Copies of any documents, records, electronic communications, or data used during verification The chain of custody of all information used to confirm the accuracy of these accounts If you can not provide the legally required Method of Verification, these accounts must be deleted from my TransUnion credit file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Additionally, because the information provided to me appears inconsistent and incomplete, I am forwarding this request and a formal complaint to both the CFPB and the Better Business Bureau for independent oversight to ensure the accuracy of your reporting. 
Please send your complete response to the address listed above. 
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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This complain is in regard to unsuccessful attempts to resolve this matter by phone and in light of unprofessional conduct experienced during my interaction with XXXX XXXX XXXX A 3rd Party Credit Card Debt Collection Agency for Bank of America for a debt of {$4400.00}. 

Today, I have setup a monthly payment plan, made a payment of {$200.00} after repeated effort. XXXXXXXX XXXX XXXXXXXX did not provide any payment confirmation, payment receipt, Transaction ID, Correct XXXX XXXX XXXX XXXX Info for my reference yet received my payment of {$200.00}. Upon asking for the proof of payment/ Transaction ID/ Proof of monthly payment plan agreement, They refused to send any confirmation electronically, and were pretty rude with me, threatened me to come up with a lawyer to talk about this topic. 
Upon my request to talk with their Manager, they were totally unprofessional, rude and hung up on me once, or playing with me, forwarding me to a number that's going to voice machine all the time

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 2025-11-25 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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