vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones credit card division. 

On XX/XX/XXXX, I submitted a payment of {$300.00} to my Capital One credit card account. The payment cleared my bank on XX/XX/XXXX, yet Capital One placed a XXXX hold on the funds before restoring my available credit balance. 

I contacted Capital Ones customer service several times, but no representative could explain a legitimate reason for the delay. The company stated this was policy, but no written policy or regulatory justification was provided. 

This delay appears to violate the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX and Regulation Z, XXXX, which require prompt crediting of payments received. Such extended holds unfairly restrict a consumers access to credit after a payment has cleared. 

I am requesting that the CFPB review this issue, require Capital One to apply payments as of the date received, and ensure the companys practices comply with federal payment crediting requirements. 

Attached are payment confirmation/screenshot/statement showing the payment cleared and the account still reflecting the hold. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NM

Complaint narrative:
I enrolled in XXXX XXXX via the Social Security Administration on XX/XX/2025. I never received my new XXXX  XXXX  card, and I can not access my federal benefits as a result. It has been over XXXX weeks since I was told it was mailed. I've contacted XXXX  XXXX  at XXXX numerous times, but their automated system requires a card number or PIN in order to speak to a live person. To get a PIN, I must enter the XXXX code on the back of the card, which I don't have because I never received the card. Social Security Administration can only confirm that I am enrolled. 

I NEED to pay my rent on Monday. I am requesting immediate assistance to verify my identity and have a replacement card expedited to my correct mailing address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding the Capital One account ending in XXXX. My previous complaint XXXX was closed, but the issue remains unresolved. 

Issues : XXXX. Inaccurate XXXX XXXX : The account is reported as charged off on XX/XX/year>, before my full payment of {$220.00} on XX/XX/year>. This is incorrect and misleading.

2. Delinquencies Reported After Payment : Late payments and a XXXX day delinquency continue to be reported even though the account has a {$0.00} balance and was paid in full.

3. Insufficient Verification of Account Origination : Capital One claims the account was opened online but has not provided verifiable evidence, such as IP address, device information, or confirmation logs showing my consent and agreement to terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This is a formal consumer complaint against Santander Consumer USA regarding a charged-off auto loan reporting on my credit report. This company has failed to provide any legally required documentation, continues to report a balance post-charge-off, and has not produced any wet-ink signature, original loan contract, or assignment agreement to verify this alleged debt. 
Despite multiple disputes sent via certified mail, Santander has continued to report this item across XXXX, XXXX, and XXXX  without proper validation or proof of accuracy. This is outrageous, deceptive, and harmful to my credit file. I have never received any written contract or validation confirming my obligation to this alleged debt. 
FCRA & Metro 2 Violations Include : 15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to reasonably investigate disputes and reinvestigation duties ignored.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete or correct inaccurate information following dispute.

15 U.S.C. 1681i ( 7 ) I have a right to request the method of verification and was never given proof.

15 U.S.C. 1681s-2 ( b ) Failure of the furnisher to conduct a proper reinvestigation.

15 U.S.C. 1681n & 1681o Willful and negligent noncompliance.

Metro 2 Compliance Guidelines A charge-off must not report a balance unless reaffirmed by valid documentation. 
Requested Resolution : I am demanding the immediate deletion of this account from all credit bureaus due to XXXX continued failure to validate this account properly or provide proof of the alleged debt. If the CFPB does not intervene, I am prepared to escalate to the XXXX, state regulators, and initiate a federal lawsuit for damages under the FCRA. 
This is my third formal attempt to resolve this. Continued non-compliance will be considered willful under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Company Name ( Creditor ) : Ally Financial Account Number : XXXX Dispute Summary : I am disputing the following business account reported by Ally Financial on my personal credit report. I was a co-signer on this account. This account is unverified, unverifiable, and illegally reported on my personal credit file. 
I have never received any statements, notices, or Form 1099-C from Ally Financial regarding this account. Additionally, Ally Financial wrote off this account as a profit and loss and likely claimed a tax deduction. Reporting a balance from a business account that has been written off as a tax deduction is fraudulent, misleading, and unlawful, particularly when the co-signer 's personal credit is impacted without proper validation.

Legal Violations : 1. FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 8 ) All information reported must be accurate, complete, and verifiable.

2. FDCPA 809 I demand full validation of this debt; reporting without validation is illegal.

3. Unauthorized Reporting & Identity Misuse Reporting this account constitutes misuse of my personal information. 






XXXX XXXX  XXXX negative months {$10000.00} Closed Account info Account name XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Installment Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$10000.00} Terms 60 Months Responsibility Co-maker Your statement-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I signed up for Easypay Finance for help financing work I needed done on my cars AC. I was advised that after 90 days interest would be added. I called today and learned the interest isnt accumulated, its lumped and added to the remaining balance after 90 days. Their website will be down for a week, so I only have access to limited information and am unable to make payments online until XX/XX/year>. I was advised if I dont pay the remaining {$800.00} by XX/XX/year> they will add an additional {$1700.00} total to my balance starting Monday. 
The interest is way more than the loan/credit line I took out for {$1300.00}. 
I feel scammed and scared. I already couldnt afford the {$1300.00} and now theyre adding on an extra {$1700.00}! This cant be legal and seems like usury. Based on the website being down, Im unable to get a copy of my lease agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint concerns inaccurate and inconsistent reporting of two XXXX XXXX credit card accounts across Experian, Equifax, and TransUnion, despite my prior disputes and documented proof of on-time payments. The furnisher ( XXXX XXXX ) and the credit bureaus failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 



XXXX. Facts and Background I am the consumer listed on the enclosed XXXX  XXXX report dated XX/XX/year>. 
The accounts in question are XXXX XXXX # XXXX and XXXX XXXX # XXXX. 
I made automatic payments through my XXXX XXXX XXXX XXXX account every month. Attached are three examples : XX/XX/year> {$40.00} XX/XX/year> {$230.00} XX/XX/year> {$220.00} These payments cleared before their due dates under my automatic debit agreement with XXXX. 

Despite that, the bureaus continue to report 30-day late payments and inconsistent data. 

Prior Dispute and Failure to Reinvestigate I previously disputed these inaccuracies through each bureaus dispute process and included the same payment proof attached here. 
Within days, the bureaus responded verified without asking for further documentation. 
That response shows an inadequate reinvestigation in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification.

15 U.S.C. 1681s-2 ( b ) Failure of furnisher ( XXXX ) XXXX review and correct data after notice from a CRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint concerns inaccurate and inconsistent reporting of two XXXX XXXX credit card accounts across Experian, Equifax, and TransUnion, despite my prior disputes and documented proof of on-time payments. The furnisher ( XXXX XXXX ) and the credit bureaus failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 



XXXX. Facts and Background I am the consumer listed on the enclosed XXXX  XXXX report dated XX/XX/year>. 
The accounts in question are XXXX XXXX # XXXX and XXXX XXXX # XXXX. 
I made automatic payments through my XXXX XXXX XXXX XXXX account every month. Attached are three examples : XX/XX/year> {$40.00} XX/XX/year> {$230.00} XX/XX/year> {$220.00} These payments cleared before their due dates under my automatic debit agreement with XXXX. 

Despite that, the bureaus continue to report 30-day late payments and inconsistent data. 

Prior Dispute and Failure to Reinvestigate I previously disputed these inaccuracies through each bureaus dispute process and included the same payment proof attached here. 
Within days, the bureaus responded verified without asking for further documentation. 
That response shows an inadequate reinvestigation in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification.

15 U.S.C. 1681s-2 ( b ) Failure of furnisher ( XXXX ) XXXX review and correct data after notice from a CRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
I am disputing an unlawful and unverified debt collection being reported and pursued by Assurant Recovery Solutions / IQ Data XXXX. 

This alleged debt originates from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX  ), formerly managed by XXXX XXXX XXXX. I signed a lease for XXXX XXXX with a planned move-in date of XX/XX/XXXX. The apartment was not delivered in habitable, move-in-ready condition : XX/XX/XXXX shown a different unit because XXXX was unfinished. 
XX/XX/XXXX property manager called to confirm the unit was still not ready. 
XX/XX/XXXX attempted move-in ; unit was uninhabitable. 
XX/XX/XXXX I rescinded the lease in writing. 

On XX/XX/XXXX, my attorney ( XXXX XXXX ) sent XXXX XXXX XXXX a formal legal letter disputing any claim, asserting that the lease was void due to their breach, and demanding return of my {$300.00} deposit. We followed up multiple times and never received any response. Based on their silence, we reasonably assumed the case was closed. 

In XX/XX/XXXX, I discovered a collection account for {$29000.00} reported on my credit reports by IQ Data XXXX ( Assurant Recovery Solutions ). I NEVER received any prior notice, documentation, or validation from XXXX XXXX or Assurant/IQ Data before this was reportednearly three years after the initial dispute. 

Assigning or reporting a disputed and invalid account to collections after receiving a legal dispute notice is unlawful under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ).

I request that the CFPB investigate IQ Data XXXX for unlawful collection and credit reporting practices. 

Supporting documents : attorney letter ( XX/XX/XXXX ), credit report excerpt showing the collection by IQ Data XXXX, and correspondence from XXXX XXXX XXXX  ( former management of XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TN

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian and Equifax have illegally placed extended fraud alerts on my credit report which has caused me hardships and being denied things due to not being able to access my credit report. I did not authorize this and want this immediately 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 explanation
Consumer complaint received 2025-11-01 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: NV

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 2025-11-03 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This account was opened without my consent and being used without my constant. I had no knowledge of this particular account being opened. I have requested and also made wells fargo aware of this situation amd that i was not involved. I have yet to recieve any proof that im responsible for this account bring opened and abused. I have been rejected several times on having this issues removed from my credit report. They are apparently following the law in this matter. Please assist me with this matter though it effects my credit report and power of obtaining much needed life opportunities. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the reporting of the XXXX XXXX account with XXXX XXXX XXXX XXXX, listed as a charge-off for approximately {$4600.00}. I have never received a Form 1099-C or any confirmation that this debt was canceled or legally charged off in accordance with IRS regulations ( 26 U.S. Code 6050P ). The continued reporting of this account without proper substantiation violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that this account be investigated and either verified with proper documentation or deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the reporting of the XXXX XXXX account with XXXX XXXX XXXX XXXX, listed as a charge-off for approximately {$4600.00}. I have never received a Form 1099-C or any confirmation that this debt was canceled or legally charged off in accordance with IRS regulations ( 26 U.S. Code 6050P ). The continued reporting of this account without proper substantiation violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that this account be investigated and either verified with proper documentation or deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing the reporting of the XXXX XXXX account with XXXX XXXX XXXX XXXX, listed as a charge-off for approximately {$4600.00}. I have never received a Form 1099-C or any confirmation that this debt was canceled or legally charged off in accordance with IRS regulations ( 26 U.S. Code 6050P ). The continued reporting of this account without proper substantiation violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that this account be investigated and either verified with proper documentation or deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am disputing the reporting of the Apple Card account with Goldman Sachs Bank USA, listed as a charge-off for approximately {$4600.00}. I have never received a Form 1099-C or any confirmation that this debt was canceled or legally charged off in accordance with IRS regulations ( 26 U.S. Code 6050P ). The continued reporting of this account without proper substantiation violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that this account be investigated and either verified with proper documentation or deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief