vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I made my monthly car payment of {$250.00} to Capital One Auto Finance, account # XXXX using my XXXX Debit Card ending in XXXX with a live representative on a recorded line. 3 days later, Capital One called and said they never received the payment. We checked our bank and the money was taken out of our account immediately on the XXXX and posted to our bank on the XXXX of XXXX. Capital One XXXX of the XXXX provided us with a fax number to send the bank statement showing where the funds came out and that was sent on XX/XX/year>. We were told it would be credited within XXXX business days. As of today, our payment has yet to be credited to the account. Every time we call they tell us another XXXX business days to review. My credit score has dropped XXXX points because of their mistake and it seems they are refusing to fix it and are sending me letters and texts threatening to escalate repossession efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In early 2025, I updated the monthly autopayment for my Fifth Third Bank mortgage in my XXXX  XXXX XXXX mobile banking app, where I manage my automatic bill payments. I updated the amount from the prior years mortgage payment to the new 2025 amount. 

However, even though I updated the autopay amount, the XXXX  XXXX XXXX bill-pay system somehow reverted the payment back to the old amount without notifying me. As a result, although I made every monthly payment, there was a small shortage ( approximately {$2400.00} per month ). I never missed a payment. 

Because I live overseas, my U.S. phone number and physical mail were not accessible. Fifth Third Bank did not notify me about any shortage. I only learned about the issue when a neighbor informed me that a foreclosure summons had been delivered to my property. 

After contacting Fifth Third Bank, their agent confirmed that my payments had posted every month but were slightly short due to the autopay error. He initiated a deferral request for the outstanding balance and told me that my account would be reinstated once the deferral processed. He asked me to call back the following week to confirm. 

However, before the deferral could be completed, Fifth Third transferred my loan to XXXX XXXX on XX/XX/year>. My Fifth Third online account access was immediately shut down, and I did not receive a written transfer notice or any documentation showing my account status, payment history, or servicing notes. 

Since the transfer, I have attempted to contact XXXX XXXX multiple times by phone, but no one answers. I can not confirm whether they received the correct servicing information, including the active deferral request and notes from Fifth Third. I have no written documents from XXXX, no way to verify my loan status, and no access to an online account. 

This situation has caused serious confusion, and I am currently defending a foreclosure case that appears to have resulted from a payment processing error and a mishandled loan transfer, not from missed payments. I have made every payment and acted immediately once I learned of the issue. 

I am requesting that Fifth Third Bank and XXXX XXXX provide : complete payment history complete servicing notes documentation of the deferral request the transfer file accurate current loan status online access or written account information I simply need the companies to correct any servicing errors and provide the documentation I need to understand and manage my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am submitting this second follow-up complaint to formally demand the full removal of multiple inaccurate, misreported, and unauthorized accounts and inquiries currently appearing on my credit reports with Experian, Equifax, and TransUnion. These items continue to violate my rights under the FCRA and are causing significant and ongoing harm to my credit profile and financial opportunities. 
First, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still being reported as a charge-off with a balance of {$3200.00} on both Experian and TransUnion. This reporting is improper and unverifiable, especially given the absence of any 1099-C for a debt over {$600.00}, which constitutes a violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. Despite prior disputes, this account remains inaccurately listed and must be removed. 
Additionally, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all reported with an identical and incorrect balance of {$20000.00} across Experian, Equifax, and TransUnion. These entries are inconsistent, unverifiable, and misleading. The same applies to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, listed with an inaccurate balance of {$8200.00}, as well as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, both of which are wrongly reported with {$0.00} balances. These misreported accounts violate FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), as the current data can not be verified and is not an accurate representation of my credit history. 
In addition, there remain numerous unauthorized and impermissible inquiries across all three credit bureaus, including but not limited to : Experian : XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 

Equifax : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of these inquiries violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), as I did not authorize, permit, or initiate these credit pulls.

These repeated violations and the bureaus failure to address my prior disputes have caused continued financial harm, emotional distress, and potential credit denials. This is now my second follow-up complaint, and the ongoing presence of these unverifiable items is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am submitting this formal complaint because my credit report is being harmed by inaccurate and unauthorized information that violates multiple sections of the Fair Credit Reporting Act and the credit bureau has failed to conduct a lawful reinvestigation which has caused financial harm and emotional distress and has prevented me from accessing fair credit opportunities XX/XX/CBNAINQUIRY DATE : XX/XX/year> I have no knowledge of this inquiry and I did not authorizeXX/XX/CBNA or any associated entity to access my consumer report on XX/XX/year> or on any date and this inquiry was placed without my permission and is damaging my creditworthiness and was furnished without any permissible purpose required under federal law LAWS VIOLATED FCRA 602 ( A ) Duty to ensure maximum accuracy FCRA 604 ( a ) ( 2 ) No written authorization or permissible purpose FCRA 604 ( a ) ( 3 ) No qualifying permissible purpose for inquiry FCRA 607 ( b ) Duty to verify permissible purpose before furnishing report FCRA 611 ( a ) Failure to conduct lawful reinvestigation I request the CFPB require the credit bureau to conduct a lawful reinvestigation under FCRA 611 ( a ) and obtain written proof of my authorization if it exists and delete this unauthorized inquiry if no documentation can be produced and issue an updated corrected consumer report to me and to all parties that previously received the inaccurate 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 2025-12-04 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:
This follow up complaint serves as my sixth formal demand for the full removal of multiple inaccurate, conflicting, and completely unverifiable items currently appearing on my credit reports with Experian, XXXX, and TransUnion. Despite several prior disputes and written notices, these items continue to appear on my credit file without verifiable documentation, proper substantiation, or lawful reporting standards. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account remains reported with inconsistent and conflicting balances {$8400.00} on Experian and TransUnion, {$4600.00} on Experian and TransUnion, and {$5000.00} on TransUnionall of which can not simultaneously be accurate and therefore must be removed. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is repeatedly reported with a {$0.00} balance, yet continues to appear despite lack of verification and proper documentation. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account remains listed with a {$15000.00} balance, although no supporting documentation or verification has ever been produced, making it unverifiable under federal law and requiring immediate removal. 
The XXXX XXXX XXXX XXXX  account reporting a balance of {$4000.00} on Experian and TransUnion has never been validated, authenticated, or supported by original creditor documentation as required by law, rendering it legally unreportable and therefore requiring full deletion. Additionally, the XXXX XXXX XXXX XXXX inquiry dated XX/XX/year> on Experian is unauthorized, unverified, and reported without any permissible purpose, making it a violation of federal standards and requiring immediate removal. 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute and require the removal of all inaccurate and unverified information. FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2 prohibits furnishers from reporting any information that can not be fully verified. FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires maximum possible accuracy and prohibits continued reporting of conflicting, inconsistent data. 
For collection accounts, FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ) require full and complete validation of any alleged debt, and since no validation has ever been produced, the collection reporting remains legally unreportable. Regarding the unauthorized inquiry, FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) prohibit credit bureaus from listing inquiries without a lawful, permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Date : XX/XX/year> CAPITAL ONE BANK ( Collection Agency ) XXXX XX/XX/XXXXXX/XX/XXXX XXXX RE : FINAL NOTICE- FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C.

1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : A copy of the original signed contract or agreement bearing my signature ; A full chain of title including all assignments and transfers of the alleged debt ; A bill of sale or purchase agreement proving legal ownership of the debt ; Proof of licensing to collect debt in my state ; Surety bond information A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g- Failure to validate debt If this account is not permanently deleted from all consume
r reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C . 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am writing to request assistance regarding the {$100.00} software credit benefit associated with my U.S. Bank credit card. I have fulfilled the requirement of making 11 consecutive months of eligible recurring software payments, with my XXXX subscription being charged monthly from XX/XX/XXXX through XX/XX/XXXX. Despite meeting all of the criteria, I have not yet received the promised {$100.00} software credit. I am requesting that this credit be issued as outlined in the card benefits, as I have fully complied with the terms. Thank you for your attention to this matter.

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 2025-12-04 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:
I am sending this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. The following personal identifiers are not mine, and I have no connection whatsoever to these addresses or employers : Incorrect Address and name ( Never Lived At this is not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at, used, applied with, or been associated with these addresses and name. They must be removed immediately. 
Incorrect Employer ( Never Worked For ) XXXX XXXX XXXX I have never provided this employment information to any creditor or bureau. 
These items violate FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) and must be deleted promptly. 
XXXX. Unauthorized & Inaccurate Hard Inquiries ( No Permissible Purpose ) The following inquiries were not authorized and violate FCRA 604 ( a ) and FCRA 605B : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these pulls. These inquiries must be removed immediately as they are the result of identity misuse or mixed-file errors. 
XXXX. Fraudulent / Unverified Collection Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4300.00} I dispute this account in full. I have no knowledge of this debt, never received bills or notices, and never authorized services or charges related to this provider. 
This account is unverified, lacks supporting documentation, and may be fraudulent.

Under federal law, I am requesting : The original signed contract Billing statements Treatment records All documentation used for verification If TransUnion or the furnisher can not produce valid documentation containing my signature, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX. Inaccurate Charge-Off Reporting XXXX XXXX Account XXXX Balance : {$0.00} Additionally, I have been affected by multiple national data breaches including the XXXX breach and other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable information.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal permanently deactivated my merchant account without providing any specific explanation. This happened after a single legitimate transaction. The message I received only stated that customers were dissatisfied with activity from this business, but PayPal did not identify any customer, complaint, dispute, or issue. I have no chargebacks, no disputes, and no violations of their policies that I am aware of. 

I asked PayPal to clarify what activity they believe violated their rules, but they refused to provide details. They also placed a hold on my funds for up to 120 days, even though there are no pending disputes or financial liabilities. 

This sudden and unexplained account closure has harmed my ability to conduct business. I am requesting that PayPal provide a clear explanation of the reason for the closure, allow me the opportunity to address any concerns, and review the decision to permanently limit my merchant account. 

I am acting in good faith and simply want transparency and a fair review. PayPal has not provided any actionable information or evidence to justify this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
This account contains severe reporting inaccuracies including : incorrect account type coding, reporting a profit-and-loss write-off without any delinquency, no payment terms, no date of first delinquency, missing Metro 2 fields, contradictory status updates, and impossible reporting behavior such as a deposit account showing a loan balance and charge-off. These errors prove the account is inaccurate, fraudulent, and unverifiable, and must be permanently deleted under FCRA 602A, 607 ( b ), 611, and 605B.

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