vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for an auto loan with Capital One Auto Finance in late XX/XX/year> ( I do not recall the exact date ). Before the loan was funded, I contacted Capital One on XX/XX/year>, around XXXX XXXX, to cancel the loan application. I spoke with a representative named XXXX, who confirmed that the loan would not move forward and documented my cancellation request. I made at least two additional calls afterward to confirm cancellation, and those agents stated they were submitting cancellation requests. 

Despite those cancellation requests, Capital One funded the loan and sent a payoff to my prior lender, XXXX. XXXX confirmed that once the payoff was issued, the loan could not be reinstated and my original GAP coverage could not be restored. As a result, the unauthorized Capital One loan permanently replaced my original loan.

I escalated the matter to Capital Ones Office of the President. During that review, the representative acknowledged that steps were missed in processing the loan and documented this in the account notes. However, after internal management review, Capital One informed me that they can not provide any financial remedy or corrective adjustment. The only options presented were to refinance ( requiring a new credit inquiry and application ) or keep the unauthorized loan as-is.

Because the loan proceeded despite cancellation requests and can not be reversed, I am seeking a corrective resolution that restores my financial position without requiring a refinance or additional credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Would you check this entry for mistakes? It seems 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 2025-12-18 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: VA

Complaint narrative:
I am submitting this dispute regarding several inaccuracies on my credit report. Please review the accounts listed below, which contain incorrect reporting for each of the credit bureaus. 

Inquiries : XXXX Inquiry on XX/XX/year> XXXX Inquiry on XX/XX/year> XXXX  Inquiry on XX/XX/year> Late Payments : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
Subject : Formal Rebuttal Failure to Provide Verification as Required by Law To Whom It May Concern, I am formally responding to your claim that the disputed items listed below were verified as reported.

To date, no documentation has been provided demonstrating how this information was verified. Simply stating that an account is verified does not meet the legal standard under the Fair Credit Reporting Act ( FCRA ).

Specifically : You have not provided original contracts, applications, or agreements bearing my signature You have not provided documentation from the original creditor, only conclusory statements You have not disclosed the method of verification, the furnisher contacted, or the evidence relied upon Under 15 U.S.C. 1681i ( a ) ( 1 ), a consumer reporting agency is required to conduct a reasonable reinvestigation to determine whether disputed information is inaccurate.

Further, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide the consumer with : A description of the procedure used to determine the accuracy and completeness of the information.

To date, this requirement has not been satisfied.

Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must : Follow reasonable procedures to assure maximum possible accuracy of the information.

Accuracy can not be established without verifiable, documentary evidence, not automated or unsupported confirmations. 

For the following items you claim were verified : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am formally requesting, pursuant to 15 U.S.C. 1681i, that you provide : 1. Copies of any original signed agreements or judgments bearing my name 2. The name, address, and telephone number of the furnisher ( s ) relied upon 3. A detailed description of the verification procedure used 4. Proof that the information is legally reportable and belongs to me If you are unable to provide this documentation, then under the FCRA, the disputed information must be deleted.

Please note : Continued reporting of unverified or inadequately investigated information may constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

I am requesting written confirmation of compliance or deletion.

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 2025-12-18 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX Debt Collection / Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 am submitting this complaint as a consumer seeking correction of inaccurate or unverifiable information on my Equifax credit report. 

I am disputing the following charged-off account : XXXX XXXX XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) I am disputing the accuracy and reporting status of this account. I am requesting that Equifax conduct a full reinvestigation and require the furnisher to provide complete documentation verifying the accuracy, ownership, and reporting status of this account. 

I am also disputing the following credit inquiries, which I do not recognize or believe I authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX If these inquiries and the charged-off account can not be fully verified as accurate and permissible, I request that they be corrected or removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
In XX/XX/year>, I made a purchase through XXXX XXXX using a Synchrony credit card with a XXXX equal payment, no interest if paid in full promotion. The original purchase amount was {$6500.00}, which set a minimum payment of {$130.00}. 

After making XXXX payments, a credit/refund of {$1500.00} was applied, reducing my current promotional balance to {$4400.00}. At that point, I contacted Synchrony to request that my minimum payment be recalculated based on the remaining balance and remaining XXXX months of the promotional period.

Synchrony refused and stated that the minimum payment would remain fixed at {$130.00}, calculated from the original balance, even though the balance was reduced. This payment amount would cause the balance to be paid off in approximately XXXX months, not the remaining XXXX  months, effectively shortening the promotional repayment period. 

I asked multiple times for clarification and recalculation. Synchrony confirmed in chat that they would not adjust the payment and that the fixed amount would remain in place despite the balance reduction. I believe this contradicts how XXXX equal payment financing is represented at the time of sale and materially alters the repayment schedule.

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 2025-12-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation. 
I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has XXXX business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything. 
Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries. 
Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me.

And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-12-18 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX / XXXX / TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX  v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXXXXXX XXXX XXXX v. XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === TU : 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  === INQ === TU : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-12-18 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: Experian Information Solutions Inc.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

Complaint narrative:
TransUnion has stated that this item was reported as verified. That assertion is false. 

This alleged public record does not appear on the other XXXX nationwide consumer reporting agencies. If the information were accurate and capable of lawful verification, it would be reported consistently across all bureaus. 

It is not. 

This inconsistency alone demonstrates a failure to maintain maximum possible accuracy, in violation of 15 U.S.C. 1681e ( b ).

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing ALL negative, derogatory, and adverse entries being reported by Experian, Equifax, and TransUnion that can not be verified with competent, admissible evidence pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I have submitted sworn Affidavits of Truth under penalty of perjury to all three credit reporting agencies demanding full compliance investigations. I am not requesting superficial dispute processes - I am demanding verification with proper documentation including : 1. Full legal name and address of original creditor/furnisher 2. Copies of contracts, applications, or agreements bearing my wet ink signature 3. Documentation of delinquency dates, charge-offs, and any account transfers 4. Method of verification used, including contact information of verifier 5. Complete chain of custody documentation for any debt assignments The credit bureaus are required by 15 U.S.C. 1681i to conduct reasonable reinvestigation and may not rely on automated or superficial verification. Any items that can not be verified with the evidence described above must be deleted immediately. 

Continued reporting of unverified information constitutes willful noncompliance with the FCRA and defamation of character, causing ongoing damage to my credit reputation and financial opportunities.

Company response to consumer: Closed with explanation