vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
In XXXX, I purchased a water treatment system financed through Aqua Finance. Unfortunately, the system was poorly installed on the back side of my house, where it is exposed to dirt and rain, and it has not functioned properly for over XXXX years. Because of this, I stopped making payments. The payment documents specifically state that I reserve the right to stop payments if I am dissatisfied with the purchase. 

Despite multiple attempts to have the issue corrected and the system properly reinstalled, no action has been taken. As a result, this account is now severely damaging my credit score. 

I recently learned about a lawsuit that was settled regarding these systems, and I contacted Aqua Finance to have my loan resolved and erased, but I have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had auto pay set up on my TD Auto Finance account through XXXX XXXX XXXXXXXX. Something happened and I received a notice that it was late. For some reason the payment did not process, and I called right away and paid the payment and the late fee. They said they would not put anything on my credit report but ended up putting something there as a late fee. I called back and spoke to them several times, but it is still appearing on my credit report and XXXX late payment. Can you please help me with this? The late payment was XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-08-22 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:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-22 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: IL

Complaint narrative:
Please proceed with deleting these unauthorized accounts from my credit report. I neither created nor consented to them and was not notified of their addition. Pursuant to USC 1681g, I am requesting their removal within 15 days. Enclosed are the necessary documents.

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 2025-08-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir/Mam My name is XXXX XXXX , just moved to XXXX XXXX CA XXXX New Jersey , I have a XXXX XXXX XXXX XXXX with NJ plate ( XXXX ) ( XXXX ) and refinanced by Capital One Auto Finance . 
By California law, I must register my car within 20 days of moving here. If more than one person is on the title, the law allows registration with a Limited Power of Attorney from the other owner. I already provided that fully signed and valid. 
Yet for 50+ days, Capital One Auto Finance has blocked me from registering my car.

I refinanced into my name only, but the NJ title still shows another person. 
The other person gave me a Limited POA, which I sent to Capital One 5 times with tracking numbers. Each time, they claimed they never received it, now accepted they got it. 
Then they told me to complete CA XXXX Form XXXX. First they said only I need to sign. Later they changed it to both people must sign. Their story changes every week. 
Ive escalated all the way to managers and even their Presidents Department ( XXXX ID XXXX, XXXX ID XXXX ). Every time they promise a fix in XXXX hours, but nothing happens. 
By rule- they need me as main borrower only, limited power of attorney from other person to remove him, and Form 262 signed by me and I have given them all. 
Meanwhile, Im stuck paying XXXX because I cant legally drive my own vehicle even though I followed the law and gave Capital One everything required. 
This is pure harassment and mismanagement. The law is clear, my paperwork is complete, but Capital One refuses to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2025 I was scammed by a company posing to be XXXX XXXX customer service. I contacted XXXX customer service on XX/XX/2025 to assist with my XXXX cameras being inoperable. I stated to the " agent '' that I was having a hard time hearing him and he called me back from another number. He stated that my account had been compromised and asked me to download the helpdesk app so he could assist me. He started asking for personal information including ssn, address etc and stated that my accounts had been hacked. I noticed thmy bank accounts had been debited XXXX dollars from XXXX XXXX XXXX XXXX ( it was taken as a split between my credit and debit card ) and XXXX dollars from my Bank of America accounts. It turns out the app that I downloaded gave the scammers access to all of my personal information as well as my apple wallet, which had all of my debit cards and credit card information. I filed a fraudulent claim with Bank of America as well as XXXX XXXX XXXX XXXX. XXXX XXXX stated that they were siding with the scammers because I was in on the scam. Bank of America sent notification that XXXX XXXX  showed documentation that the claim was valid. Meanwhile I am just a senior citizen that was scammed. I filed a police report and have attached it to this complaint.

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 monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX in the amount XXXX reported to Experian I do not work with XXXX  nor did i authorize them to report or access my information in any way I authorized XXXX  XXXX  to run a credit check 1 time upon approval to move into the apartments. I did not authorized them to report any payments whether on time or late.

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 2025-08-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The bank requested a copy of my sons ID and social security number which we sent on XX/XX/2025 but the account was restricted on or about XX/XX/XXXX. Capitalone Bank did not inform me about sending the info until XX/XX/XXXX. We were initially told it would take three days to complete the process then once the process was sent we were told it would take 7 days now we were told it would take 10 days. This is the eleventh day and we are in limbo trying to make payments for our new home with a restricted account. We were never informed by Capitalone what has changed or why this information is needed. Regardless, we still provided the documents that they requested. We need to find out why this is happening and it must stop since this is now affecting our home/life. Capitalone claim they sent us a letter informing us that they required the info but we never received this letter. Restricting an account for so long has affected my families health and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
To Whom It XXXX Concern : I am formally disputing the Department of Education XXXX XXXX student loan accounts reporting under my credit file. These accounts are being reported with material inaccuracies in the payment history, which violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Higher Education Act ( 20 U.S.C. 1087e et seq. ), and the Family Educational Rights and Privacy Act ( FERPA, 20 U.S.C. 1232g ). 
Specifically, the payment history being reported shows on-time payment entries followed immediately by a XXXX late notation in the subsequent month, which is not logically or factually possible. This contradictory reporting is inherently inaccurate, misleading, and fails to meet the FCRAs standard of maximum possible accuracy ( 1681e ( b ) ). 
Further, as Department of Education student loan servicers are governed by the Higher Education Act, they are prohibited from furnishing inaccurate or misleading data to consumer reporting agencies. In addition, the disclosure of certain education-related records without proper consent XXXX constitute a violation of FERPA, which protects the privacy and accuracy of student education records. 
Because this account information is inaccurate, incomplete, and unverifiable, I am demanding its permanent deletion from my credit report pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation once these accounts have been removed. If you are unable to delete the accounts, I request a detailed method of verification describing the procedures used to verify this impossible and contradictory payment history. 
DELETE : ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX )

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 2025-08-22 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: NY

Complaint narrative:
To Whom It XXXX Concern : I am formally disputing the Department of Education XXXX XXXX student loan accounts reporting under my credit file. These accounts are being reported with material inaccuracies in the payment history, which violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Higher Education Act ( 20 U.S.C. 1087e et seq. ), and the Family Educational Rights and Privacy Act ( FERPA, 20 U.S.C. 1232g ). 
Specifically, the payment history being reported shows on-time payment entries followed immediately by a XXXX late notation in the subsequent month, which is not logically or factually possible. This contradictory reporting is inherently inaccurate, misleading, and fails to meet the FCRAs standard of maximum possible accuracy ( 1681e ( b ) ). 
Further, as Department of Education student loan servicers are governed by the Higher Education Act, they are prohibited from furnishing inaccurate or misleading data to consumer reporting agencies. In addition, the disclosure of certain education-related records without proper consent XXXX constitute a violation of FERPA, which protects the privacy and accuracy of student education records. 
Because this account information is inaccurate, incomplete, and unverifiable, I am demanding its permanent deletion from my credit report pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation once these accounts have been removed. If you are unable to delete the accounts, I request a detailed method of verification describing the procedures used to verify this impossible and contradictory payment history. 
DELETE : ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
I applied for both pre-qualification and for a loan through XXXX. After being approved by XXXX for an excellent loan ( as I was putting down an almost 30 % down payment and have an XXXX credit score, I received communication from " Exeter Finance '' stating that they had to deny me a loan. I never asked for a loan from them, and XXXX told me that if they approved the loan with their in-house financing, it typically would not be sent to other financers. The communications from Exeter include a phone number that is not listed on any of their websites, as well as a web address that resolves to " XXXXXXXX, '' not to their own web server. When I called the number listed on their website to speak to someone, I was told this is all fine and above board and I was the one who did not understand what was going on. They also offered to run my credit for financing again, even though I told them I already owned the car and did not need their financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXXkeeps selling debt which is 5 times more than debt owed to different collection agencies so it stays on my report for over 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV, RESURGENT XXXX, continues to harass me about a balance on my credit that does not belong to me.I filled a ( FTC ) report, stating that my identity was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CO

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation