vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint because Capital One is inaccurately reporting information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question has been paid in full, yet Capital One continues to report it as an active collection/charge-off instead of updating it to reflect a {$0.00} balance and a closed/paid status. 

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers are required to promptly update and correct any information they have furnished that is incomplete or inaccurate. Capital One has failed to update the status of this account even after it was paid, causing ongoing harm to my credit profile. 

Additionally, under FCRA 15 U.S.C. 1681i, I have the right to dispute inaccurate information and request a reinvestigation. The continued reporting of this account as an active collection/charge-off is inaccurate and misleading. A paid account can not continue to report as an open/active derogatory tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I am submitting this explanation regarding my recent experience with Santander related to the repossession of my vehicle. 

Timeline of Events : XXXX, XX/XX/year> : My vehicle was repossessed. 

XXXX, XX/XX/year> : I called Santander to obtain the payoff amount required to retrieve my vehicle. I was given the amount and told I could pay online the following day and then pick up my car after contacting XXXX to get the release. 

XXXX, XX/XX/year> : I received payment, paid the full payoff amount online, and called XXXX to request the vehicle release. At that time, I was informed that my vehicle had already been sent to auction on Thursday, XXXX XXXX same day I called to get the payoff information. 

Issues Experienced : I was never informed that my vehicle would be sent to auction before the statutory 21-day notice period.

Despite paying the full payoff amount, I was unable to retrieve my vehicle and was told it would take 710 business days for its return.

I spent over five hours on the phone trying to determine the location of my vehicle and to resolve the issue. 

A Santander agent hung up on me after arguing about who was responsible for the vehicle being sent to auction, leaving me without assistance. 

I had to borrow money to cover the next two weeks expenses because my entire paycheck went to paying the payoff amount, leaving me without funds and without a car.

I am incurring additional expenses while I do not have access to my vehicle : XXXX rides for myself XXXX XXXX XXXX XXXX and my daughter ( XXXX XXXXXXXX ), as I am her ride Food delivery costs because I can not go to the store This situation is causing extreme stress both mentally and financially. 

Sincerely, Frustrated and Broke

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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 WRITING TODAY PURSUANT TO MY RIGHTS UNDER FCRA, SPECIFICALLY SECTION 611 ( a ) ( 7 ) { 15 USC SECTION 1681 ( A ) ( 7 ) } TO REQUEST THE " DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS '' OF THE PREVIOUSLY DISPUTED ITEMS OUTLINED IN MY INITIAL AFFIDAVIT. A PROCESS COMMONLY KNOWN AS THE " METHOD OF VERIFICATION ''. YOU STATED THAT UPON YOUR INITIAL INVESTIGATION, THE ITEMS WERE VERIFIED AND WOULD REMAIN ON MY REPORT. HOWEVER, I HAVE REASON TO BELIEVE THE INFORMATION IS STILL INACCURATE AND THAT A PROPER INVESTIGATION WAS NOT CONDUCTED. UNDER FCRA SECTION 611 ( a ) ( 7 ), I NOW FORMALLY REQUEST THAT YOU PROVIDE ME WITH A DESCRIPTION OF THE SPECIFIC PROCEDURE USED TO VERIFY THIS INFORMATION.

IF YOU CAN NOT PROVIDE THIS DESCRIPTION, OR IF YOUR VERIFICATION PROCESS WAS INSUFFICIENT, THEN THE ITEMS MUST BE DELETED FROM MY CREDIT FILE IMMEDIATELY, AS REQUIRED BY LAW. I FURTHER DEMAND THAT YOU INITIATE A NEW INVESTIGATION OF THE STATED ITEMS. IF THE FURNISHER OF THIS INFORMATION CAN NOT BE VERIFIED, OR FAILS TO RESPOND IN A COMPLETE AND TIMELY MANNER, THE ITEMS MUST BE DELETED. 
PLEASE NOTE THAT THE FCRA HOLDS YOU LIABLE FOR THE ACCURACY OF THE REPORTING PROCESS.I EXPECT A FULL RESPONSE TO THIS REQUEST, INCLUDING THE METHOD OF VERIFICATION, DESCRIPTION, AND RESULTS OF THE NEW INVESTIGATION, WITHIN THE TIME FRAME PRESCRIBED BY LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
I AM WRITING TODAY PURSUANT TO MY RIGHTS UNDER FCRA, SPECIFICALLY SECTION 611 ( a ) ( 7 ) { 15 USC SECTION 1681 ( A ) ( 7 ) } TO REQUEST THE " DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS '' OF THE PREVIOUSLY DISPUTED ITEMS OUTLINED IN MY INITIAL AFFIDAVIT. A PROCESS COMMONLY KNOWN AS THE " METHOD OF VERIFICATION ''. YOU STATED THAT UPON YOUR INITIAL INVESTIGATION, THE ITEMS WERE VERIFIED AND WOULD REMAIN ON MY REPORT. HOWEVER, I HAVE REASON TO BELIEVE THE INFORMATION IS STILL INACCURATE AND THAT A PROPER INVESTIGATION WAS NOT CONDUCTED. UNDER FCRA SECTION 611 ( a ) ( 7 ), I NOW FORMALLY REQUEST THAT YOU PROVIDE ME WITH A DESCRIPTION OF THE SPECIFIC PROCEDURE USED TO VERIFY THIS INFORMATION.

IF YOU CAN NOT PROVIDE THIS DESCRIPTION, OR IF YOUR VERIFICATION PROCESS WAS INSUFFICIENT, THEN THE ITEMS MUST BE DELETED FROM MY CREDIT FILE IMMEDIATELY, AS REQUIRED BY LAW. I FURTHER DEMAND THAT YOU INITIATE A NEW INVESTIGATION OF THE STATED ITEMS. IF THE FURNISHER OF THIS INFORMATION CAN NOT BE VERIFIED, OR FAILS TO RESPOND IN A COMPLETE AND TIMELY MANNER, THE ITEMS MUST BE DELETED. 
PLEASE NOTE THAT THE FCRA HOLDS YOU LIABLE FOR THE ACCURACY OF THE REPORTING PROCESS.I EXPECT A FULL RESPONSE TO THIS REQUEST, INCLUDING THE METHOD OF VERIFICATION, DESCRIPTION, AND RESULTS OF THE NEW INVESTIGATION, WITHIN THE TIME FRAME PRESCRIBED BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a formal written dispute to my student loan servicer regarding an inaccurate student loan account appearing on my credit report. I sent the dispute through certified mail and have documented proof that the servicer received it. 

The dispute asked the servicer to investigate and verify the accuracy of the account under the Fair Credit Reporting Act. The servicer was required to respond and complete an investigation within 30 days. However, more than 60 days have passed with no response, no investigation, and no communication from the servicer. 

Because the servicer failed to investigate or provide any verification, the information they are reporting to the credit bureaus is now legally considered unverifiable under the Fair Credit Reporting Act. The account is still being reported to the credit bureaus despite the servicers failure to respond or validate the information. 

I am requesting assistance from the CFPB in having the servicer complete a proper investigation and remove the unverifiable account from all credit reporting agencies. I am attaching proof that the dispute was sent and delivered, along with a copy of the original dispute letter.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
My credit card company is blocking me from making a payment without providing a clear reason or an alternative method. I have made multiple good-faith attempts, and the system continues to deny the payment. This may violate the Truth in Lending Act ( 15 U.S.C. 1666c ) and Regulation Z ( 12 C.F.R. 1026.10 ), which require creditors to allow timely payments and provide reasonable payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
United auto credit is reporting a fake account that calms to be late on my credit report. This fake account closed and opened account is hurting my credit and stopping me from getting new credit. Its reporting incorrect information on my credit and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On or about [ Date of Move-Out, e.g., XX/XX/year> ], I vacated a property managed by the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC. I was later charged a final balance of {$3900.00} for damages and fees, which was subsequently assigned to the debt collector, XXXX XXXX XXXX XXXX. 
This debt is demonstrably invalid, inaccurate, and based on illegal charges, and I request its immediate removal from my credit report. 
XXXX. Charges Are Based on Factually False Information ( FCRA Violation ) : The original creditor 's Final Account Statement, dated XX/XX/year>, lists the reason for my move-out as " Death or Illness. '' This is factually false. The debt collector is attempting to collect a debt supported by an inaccurate and misleading official record, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Landlord Violated South Carolina Law on Mitigation of Damages ( SC Code \text { 27-40-50 } ) : The primary charge of {$3900.00} is for XXXX months of rent after my move-out. Under South Carolina law SC Code 27-40-50 the original landlord had a duty to mitigate damages by making a reasonable effort to re-rent the property. The landlord failed to mitigate damages and immediately charged the full XXXX months of rent, rendering this portion of the debt legally invalid under state law. The property management company then sold the business, passing on this invalid charge. 
XXXX. Charges Were Never Itemized ( SC Code 27-40-410 a ( Violation ) : The Final Account Statement lists the balance as a single line item and references a missing itemized breakdown ( " See the attached charges '' ). The original landlord violated SC Code 27-40-410 ( a ) by failing to provide the required written, itemized notice of these charges upon termination of the tenancy. The debt collector is attempting to collect on a debt that was never properly substantiated by the original creditor as required by South Carolina law. 
Actions Taken : I have attempted to dispute this debt with the collector multiple times, but they continue to reject my claim, stating the information is " accurate, '' without providing any evidence to counter the violations of state law or the factual inaccuracies listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for a new Capital One 360 checking account using code XXXX which stated that I would receive a {$300.00} bonus once I opened the new account, and then had to receive ( 2 ) Direct Deposits of {$500.00} or more. 

I have received both direct deposits, and I have not received my sign up bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
I made XXXX bundled purchade including XXXX XXXX XXXX XXXX {$730.00} using my Chime debit card on XX/XX/XXXX. XXXX sellers canceled their items. XXXX issued refunds for all three cancellations. 

XXXX refund for {$170.00} was successfully posted to my Chime account the same day XX/XX/XXXX. However, XXXX also issued XXXX additional settled refunds of {$300.00} and {$71.00} the following day, both completed on XX/XX/XXXX and forwarded to my Visa debit card ending in XXXX through XXXXXXXX XXXX XXXX XXXX ( Chimes issuing bank ). These XXXX refunds total {$370.00}. 

Despite XXXX sending these completed refunds and providing proof, Chime has not posted the remaining {$370.00} to my account. 

These are settled card refundsnot authorization reversals, not pending refunds, and not XXXX transfers. XXXX already released the funds to Chimes issuing bank. 

Chime updated the original authorization from {$730.00} down to {$170.00}, which proves they received adjustments. But Chime is improperly holding the remaining {$370.00} in refunds instead of crediting them to my account. 

I contacted Chime support multiple times. They continue to give incorrect information about XXXX business days, refuse to acknowledge the settled refunds, and will not escalate the issue to Tier XXXX for manual posting. 

This is an improper delay of refunded funds and violates Regulation Es requirements for timely crediting of payments. 

I am requesting that Chime immediately post the completed refunds totaling {$370.00} and provide written confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
This is regarding CFPB complaint XXXX. I contacted Advance Financial directly to confirm whether an account in my name ever existed. Instead of providing any documentation or investigating my identity dispute as required under FCRA 609 ( e ), Advance Financial refused to assist and simply told me to contact the debt buyer. This is not a valid or lawful response. Under the FDCPA and FCRA, if a debt buyer claims a debt originated with a specific creditor, I have the right to request validation from both the collector and the original creditor. If a debt buyer claims to have purchased an account allegedly originated by Advance Financial, then Advance Financial must be able to confirm whether such an account ever existed. Their refusal to provide any verification is a failure to meet their obligations. Because neither Advance Financial nor XXXX XXXX XXXX can provide : A signed contract Account-opening documents Proof that this account belongs to me A legitimate account history Proof of ownership/chain of title The debt can not be validated and should not be reported or collected. I am requesting that the CFPB require both parties to provide proper verification or remove this unverified collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: PA

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 Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
To Whom It May Concern, 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 Account XXXX : XXXX XXXX. XXXXXXXX XXXX  Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-11-16 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: IL

Complaint narrative:
I am contacting you because I recently received a notice regarding an account or activity that has been attributed to me. I want to clarify that this is * * not my account * *, and I have no involvement with it. 

I became aware of the issue on * * [ insert date ] * * when I received communication related to this account. Since then, I have taken no actions related to the account because it does not belong to me. I have not created, accessed, or authorized any activity associated with it. 

I am requesting that this matter be reviewed and that any records, actions, or obligations tied to this account not be associated with me. 

Please let me know if you need any additional information that does * not * include personal sensitive details. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX credit card account was charged off without proper notice, which is required under standard industry practices and my cardholder agreement. Additionally, there were fraudulent charges on the account before the charge-off that were never fully investigated or resolved. 
This charge-off has now remained on my credit report for five years, despite these unresolved issues. As a result, I believe the reporting is inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint because XXXX  has continued to report multiple XXXX Department of Education collection accounts ( XXXX and XXXX under XXXX different names and balances ) without providing a single page of verification for over XXXX months, despite my repeated disputes. I have not received the original promissory notes, payment histories, servicing records, default notices, assignment documentation, balance calculations, XXXX, or any XXXX supporting documentsnothing. Equifax is also reporting XXXX XXXX/Lead late payments ( XXXX and XXXX ) without verifying a single date, posting record, billing cycle, or payment ledger. Since Equifax clearly does not know how to verify a late payment, let me remind you : you must provide the due date, the date the payment was received, the date it was posted, the full payment history, the XXXX, and XXXX compliant coding. The FCRA and XXXX deadlines have already passed, and sending me a copy of my credit report does not satisfy verification under FCRA 1681i ( a ), 1681e ( b ), or 1681s-2 ( b ). At this point, the accounts are legally unverified, inaccurate, and unlawfully furnished, and Equifax must delete them immediately.

Company response to consumer: Closed with explanation