vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Auto Finance has engaged in practices that have severely impacted my credit. My husband purchased a vehicle from XXXX XXXX XXXX XXXX XXXX, which was initially financed through Capital One. The loan was intended to have my husband as the primary borrower and me as the co-borrower ; however, the paperwork was incorrectly processed, listing me as the borrower and my husband as the co-borrower. Despite numerous phone calls and months of attempts to rectify this error with both Capital One and XXXX, Capital One refused to amend the information. Ultimately, the owner of XXXX intervened and arranged for us to secure a new deal with another finance company for a new vehicle. The agreement involved the XXXX owner incurring a loss while settling the outstanding balance on the original vehicle. XXXX mailed a check of the total balance to Capital One for the payoff. We contacted Capital One, and they repeatedly stated that they had not received the check. Consequently, we reached out to XXXX to inform them that the check they sent had not arrived at Capital One. We requested that they cancel the original check and expedite a new one with tracking to ensure its delivery. We subsequently contacted Capital One again, and they confirmed that they had received the recent payment and settled the outstanding balance. Upon reviewing the account, I verified that the balance was indeed cleared, and the Capital One auto account has been closed. On XX/XX/year>2025, I received an email indicating that a new auto loan document had been issued, along with a notification that my payment was returned. The message stated that I still owe the payoff balance and that my payments are overdue. It was my understanding that the Capital One auto account had already been closed. This is severely impacted my credit to the point of almost no return. I will not be able to qualify for anything in the future if I needed a loan, mortgage, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that incorrect accounts are still appearing on my credit report, and they were not removed as they should have been. For this reason, I kindly request that the documents I provided be carefully reviewed to ensure this problem is resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: HI

Complaint narrative:
To Whom It May Concern : This letter is to dispute the accuracy of the XXXX XXXX XXXX XXXX account currently reported on my file. This account contains a pattern of misaligned late payment notations and overlapping delinquency cycles with inaccurate balance tracking. 

Specifically : The account reflects delinquencies beyond 3060 days multiple times, followed by OK statuses without proper reconciliation or explanation, violating FCRA 1681e ( b ). 
Payment records between XXXX and XX/XX/year> show inconsistencies, including contradictory balances and OK statuses interspersed with 30/60-day late marks, raising questions about data integrity and verifiability under 1681i ( a ) ( 1 ).

As these inconsistencies materially damage my credit profile and no verifiable evidence of timely billing or delinquency notice has been provided, I demand th
is entry be immediately deleted as unverified and inaccurately maintained.

If you can not substantiate this data with full payment records from XXXX XXXX  you are obligated under 1681i ( a ) ( 5 ) to delete the information entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information and incorrect account statuses currently listed on my Equifax credit report. Specifically, the report includes an address XXXX XXXX XXXX XXXX XXXX, Sterling, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, NY XXXX that is not connected to me in any personal, financial, or legal capacity. I have never lived at, used, or been associated with this location. I formally requested that this address be removed from my credit file unless documentation exists verifying a direct connection. No such documentation has been provided. 
In addition, XXXX accounts are inaccurately reported as Late Closed with a {$0.00} balance : XXXX XXXX * * XXXX XXXX * * * * * * * * * XXXX XXXX * * * * I disputed the classification of these accounts and requested that Equifax verify any late payments or delinquencies with original creditor documentation, including full payment histories and closure dates. If these entries were closed in good standing or if no delinquency occurred, they must be corrected or removed under FCRA 1681i ( a ) ( 5 ), which requires deletion of unverifiable information.

Despite providing supporting documents and making a formal dispute under the FCRA, I have not received adequate verification or corrective action regarding the disputed entries. This raises concerns about whether a proper reinvestigation was conducted under FCRA 611 and whether Equifax has met its obligation under FCRA 607 ( b ) to ensure maximum possible accuracy of the information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company 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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
Tuesday, XX/XX/year> at XXXX XXXX. I called my mortgage servicer Mr. Cooper to request information on loss mitigation options due to a death. My father died and I am currently on approved, unpaid FMLA with my employer in order to care for my mother with health issues and to settle the estate. Please note that at present the mortgage is current and no payments have ever been missed. Upon explaining why I was calling, the representative began asking me a handful of questions. These questions included what other options I might have to pay the loan- Do you have additional income inside the home ( no ) - Do you have friends or family that can help you pay ( no ) - Do you have a XXXX you can draw against ( I am not eligible to withdraw ). They did not request further information regarding the circumstance, other factors affecting it, a death certificate, or any other documentation which I would have been happy to provide. After a few short questions the representative explained that any modification to my loan would not prevent foreclosure and would be reported to credit agencies. Furthermore, until I default on my loan they would not be able to offer me any loss mitigation options. I reiterated what she was telling me several times as I was in disbelief and am also fairly educated on fair housing, mortgages, etc. I asked clearly - so, the only option I have is to default on my loan at which point you might allow me to go into forbearance, but during this forbearance period Mr. Cooper will still report the missed payments to the credit bureaus? She replied affirmatively - yes, that is correct. Her last suggestion was for me to cancel auto pay so that I can default. As I understand, this would violate federal regulations and I should absolutely not have to default on my loan in order to be provided with options, and at minimum should be allowed to submit documentation so options may be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
The information being reported is contradictory and misleading : The account is listed as charged off with a balance written off, yet it also continues to report a current balance/past due status. 
The reported balance exceeds the original loan amount, which is mathematically impossible. 
Despite showing settled or written off, the payment history continues to report monthly charge-offs after the resolution date. 

These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) Sections 602 and 623, which require that information furnished to the credit bureaus be accurate, consistent, and not misleading. 

This inaccurate reporting is severely damaging my credit profile, causing me difficulty in obtaining fair housing, auto financing, and other essential credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by 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 2025-09-05 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 disputing the reporting of the medical collection account from XXXX XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). 

This account is being reported inconsistently across all three credit bureaus : - Different dates of last activity ( Experian : XX/XX/XXXX, XXXX  : XX/XX/XXXX, XXXX  : XX/XX/XXXX ). 
- Account status conflicts ( XXXX  : Open, Experian XXXX XXXX  : Closed ). 
- Creditor remarks are contradictory ( XXXX  : Placed for collection, XXXX  : Medical Subject has not satisfied debt, Experian : none ). 
- This is a medical debt, which requires compliance with HIPAA protections. The collector has not provided proper validation or medical billing records. 

Despite my disputes, the bureaus marked the account as verified without producing documentation. This violates FCRA 607 ( b ) ( requirement of maximum accuracy ) and FCRA 611 ( reasonable reinvestigation ), and the collector is in violation of FDCPA 809 for failing to validate the debt. 

This inaccurate reporting continues to harm my creditworthiness.

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 2025-09-05 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: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding AMERICAN HONDA FINANCE handling of a charged-off account ( Account XXXX ). This account reflects a charge-off amount of {$64000.00}, which has been reported as income to the IRS, according to IRS Publication 4681.

However, AMERICAN HONDA FINANCE has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected. 

AMERICAN HONDA FINANCE asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS. 

Furthermore, AMERICAN HONDA FINANCE is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. 
This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Confirmation about debiting {$1000.00} on XX/XX/year> from my Checking Account with Capital One to pay for my Credit Card bill with XXXX. Capital One said that they paid the money to XXXX XXXX  Credit Card, but XXXX XXXX  said they didn't receive such payment. So, they charged me an extra {$29.00} as penalty for it. It is obvious that Capital One stole my {$1000.00} on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was charged interest from the beginning of the promotional period after the promotion expired, which I was not expecting. The credit card company did not inform me via mail or any other form of communication before applying these charges to my account. I believe I should have received a notice prior to the interest being applied, especially considering that the charges were retroactive. I am requesting that these interest charges be reviewed and reversed. 

Amount - XXXX Date - XX/XX/year> Credit Card - CreditCare ( Synchrony Company ) I contacted the credit card company to inquire about the unexpected charges and asked why I was not informed beforehand. They told me I was enrolled in email statements. However, I never opted out of receiving paper statements by mail, and I was not aware that any change had been made. I believe I should have been properly notified before any interest charges were applied.

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 2025-09-05 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:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
am filing this complaint regarding Account name CENTRAL PORTFOLIO CONTRO and their continued reporting of a collection account on my credit file. The account is being updated each month, but it is not being removed despite my prior disputes. This repeated updating is misleading and creates the appearance of recent delinquency, which is inaccurate and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f ), furnishers of information are required to report accurately and not engage in deceptive or unfair reporting practices. Continually refreshing or updating a collection account without deletion after dispute resolution violates these statutes. 

I have previously disputed this account, and the collector has failed to provide proper validation or proof of continued reporting. I am requesting that the CFPB investigate and require the immediate deletion of this collection account from all credit bureau files ( XXXX XXXX, and XXXX  ) as the continued updates constitute inaccurate and unfair credit reporting.

Company response to consumer: Closed with explanation