vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Key Information/Dates : * Purchase agreement dated XX/XX/XXXX, with Capital One in RE : XXXX XXXX XXXX XXXX * XXXX XXXX - Due to me getting behind on the load a payment plan was established. There was discrepancy on the date of the initial payment as a result I was shock the vehicle was repossessed and damaged. I was under the impression the payment plan date was upcoming and there was not an issue. Upon discovery of the repossession, I reached out to Capital One to get information on retrieving the vehicle. I retrieved the vehicle the next business day or day after repossession and notified the repossession company of all of the lights displayed across the dash/vehicle performance as it was not performing after the repossession. The vehicle was running sluggish and stalling with all the lights flashing across the dash. When I reached out to the company responsible for repossessing the vehicle, I was told to continue to drive it and eventually the lights would go off. 

* XX/XX/XXXX - I also notified Capital One and submitted a vehicle damage claim. While in the midst of Covid with all automobile repair shops experiencing supply/chain issues and backlog, Capital One only allowed 14 days to get the repair quote to bring resolution to the claim even after requesting additional time due to the state of the world with Covid and automobile repair shops being booked out for approximately 8 - 12 weeks to even provide an estimate ; to no avail. Capital One was inflexible in providing additional time to get the quote in and I reached out to 4 - 5 repair shops all of which were booked at the time and couldn't get me in as a result I had to continue making payments on a vehicle which was damaged at their direction in the repossession process. 

* XX/XX/XXXX - I fell behind again on the loan as I was paying for something I could not fully take advantage of and had to pay monies for alternate modes of transportation because if I drove the vehicle, it would either breakdown/need to be towed. 

* XX/XX/XXXX, 2nd repossession occurred. Ahead of the repossession, I inquired if I could just purchase the vehicle at a discount and work to repair and keep the vehicle as I only owed approximately $ XXXX on the loan at the time. One of the CSR stated we don't do that. I was later informed Capital One sold the vehicle at auction for approximately {$500.00} which was a slap in my face considering I tried to work with them to avoid the repossession although the vehicle was damaged and tried my best to make the best of a bad situation despite them not willing to work with me. Capital One has damaged my credit and is now demanding approximately {$5100.00} for the balance. I feel I have not been treated fairly given the details of all that has transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NY

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 explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-27 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: GA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$300.00}

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 2025-05-27 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: GA

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
b'NATIONAL CREDIT ADJUST\nXXXXOriginal Creditor\nCompany Sold\nAccount Type\nDate Opened\nStatus\nStatus Updated\nBalance\nBalance Updated\nPaid Off\nMonthly Payment\nPast Due Amount\nOriginal Balance\nTerms\nResponsibility\nYour Statement:\nXXXX XXXX XXXX\n-\nDebt Buyer\XXXX XXXX XXXX\nCollection account. $XXXX past due\nas of XXXX XXXX XXXX\nXXXX XXXX XXXX\n0%\nXXXX XXXX Individual\nComments:\nAccount information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)\nContact Info:\n(XXXX XXXX XXXX XXXX XXXX  KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX  product representation my XXXX and I received from XXXX on behalf of Fiserv regarding the XXXX XXXX  and contract details. The sales rep, XXXX, misrepresented the features and functions included in the service, leading to unexpected additional costs and subscriptions. During the sales process, the rep explicitly stated that all functions required to run my business were included in the service. I have discovered that nearly all the functions needed to run my business have been additional purchases and monthly subscriptions. This misrepresentation has resulted in significant financial burdens and operational challenges for my business. Upon talking to multiple different departments, leasing and customer service, I was offered buyout of the XXXX  terminal from the original price of {$1700.00} to {$1500.00} then down to {$1300.00}. This payment was demanded before my next billing statement XX/XX/XXXX ( XXXX days ). I explained numerous times that as a small business I do not have the funds to buyout a product that was so poorly misrepresented, I repeatedly offered to return the device in exchange for cancellation of my contract and no additional charges. The leasing dept and customer service then offered for me to keep thedevice in exchange for continued monthly payments. Stating that I was entered into a XXXX non-cancellable contract. Upon reviewing my contract provided by XXXX there was no mention of Non-Cancellable terms. I have since emailed Fiserv 's leasing department requesting the Cancel of my lease contract effective immediately upon return of the XXXX product. I attached emails between my XXXX, the sales rep and the contract that doesn't state that it is non-cancellable. I was told on XX/XX/year> that this email would be expedited and I would receive a reply from the claims dept asap. I have not heard back yet. I am hoping that this complaint shows the seriousness of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Account Reporting XXXX XXXX XXXX Dear [ XXXX/TransUnion/XXXX ] , I am writing to formally dispute the reporting of an account appearing on my credit report under the name XXXX ( and/or XXXX, depending on the bureau ). The information reported on this account is inaccurate, inconsistent, and potentially in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including Regulation F. I am requesting an immediate investigation and the permanent removal of this account from my credit report if the inaccuracies can not be verified. The following discrepancies and issues are present : Creditor Name Inconsistency : XXXX  lists the original creditor as XXXX. TransUnion lists the original creditor as XXXX. This discrepancy is material and misleading. Account Type Inconsistency : XXXX  provides no account type information. TransUnion and XXXX  list the account type as Derogatory. This discrepancy misrepresents the nature of the account and causes unjustified harm to my credit profile. Account Status Discrepancy : XXXX  lists the account status as Open. TransUnion and XXXX  list it as Closed. The status can not be both open and closed. This contradiction is unacceptable. These inconsistencies violate 15 U.S. Code 1681i of the FCRA, which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. Continued reporting of inaccurate or unverifiable information may also violate 15 U.S. Code 1681e ( b ). Furthermore, I believe XXXX ( or their agents ) may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under Regulation F, for failing to provide clear, consistent, and non-misleading communication regarding the nature and ownership of this debt. Action Requested : 1. Conduct a thorough reinvestigation of this account pursuant to FCRA 611 ( 15 U.S.C. 1681i ). 2. Provide me with written verification, including : The name of the original creditor. The complete account history and type. The accurate and consistent status of the account. 3. If verification can not be completed within the required 30-day timeframe, or if discrepancies can not be resolved, delete this account from my credit report immediately. This letter serves as formal notice under federal law. Please respond in writing with the results of your investigation. I have enclosed a copy of my government-issued ID and proof of address for verification purposes. Sincerely, 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 2025-05-27 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding a fraudulent and misleading account being reported on my credit file by a company named XXXX XXXX XXXX. The account was allegedly opened on XX/XX/year>, and is now marked as a charge-off. However, I have never authorized or signed for this account, and it contains multiple discrepancies : The highest balance is listed as {$0.00}, which contradicts the nature of a charge-off. 

There is no monthly payment structure, and only 8 % of payments are marked as on-time. 

My last payment was reported as XX/XX/year>, after which there has been no valid activity or supporting documentation. 

The company has not provided any tax form ( e.g., 1099-C ) required for reporting canceled debt. 

I have requested validation of this account, including a signed agreement, payment records, and proof of identity verification, but have received no response. 

This inaccurate reporting has significantly damaged my credit, making it difficult to obtain reliable transportation and credit opportunities. I am requesting that the CFPB investigate this matter, ensure compliance with the Fair Credit Reporting Act ( FCRA ), and compel the data furnisher to provide proof or remove the account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a call at the time of XXXX XXXX  call det collector do not let me finish speaking.Hung up the phone on me When I asked her a question.Do they have proof that? I am legally obligated to pay this collection agency She hung up quickly XXXX  call I called back the company of ic system talk to XXXX XXXX XXXX explained to her Did I give consent for this organization to have my phone number Am I legally obligated to pay you? Do you have proof of me with my Signature XXXX she hung up the phone on me XXXX  time she had me on hold This organization of I c system is a scam Agency

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 2025-05-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> To : Experian Experian XXXX Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Investigation and Deletion of Unverifiable Accounts under the FCRA Dear Experian, I am writing to formally dispute information currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into the accuracy and validity of all accounts that you may be reporting that can not be verified. 
Pursuant to 15 U.S. Code 1681i ( a ), you are required to conduct a reasonable reinvestigation of any item of information that is disputed by a consumer. If the information can not be verified, you are obligated to promptly delete it from the consumers file, generally within XXXX  days of receiving this notice. 
At this time, I am not obligated to identify which specific items are inaccurate. I am requesting that your agency investigate all potentially unverifiable information associated with my credit profile and delete any account or item that can not be fully verified with reliable and accurate documentation. 
I am including the following documentation to assist you in verifying my identity : A copy of my government-issued photo ID A copy of my Social Security card Proof of current address ( utility bill, bank statement, or lease ) Please provide written confirmation of the outcome of your reinvestigation. If any items are verified, I request that you provide the name, address, and phone number of the furnisher of the information, along with a description of the method and evidence used in your verification process, as outlined in the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK
State: MO

Complaint narrative:
This letter is submitted in response to your repeated denials of my fraud claims related to Commerce Bank debit card transactions and to acknowledge that this matter remains unresolved, as recently confirmed in communications from the Missouri Attorney General 's Office. Commerce Bank has provided no substantial documentation or meaningful justification in accordance with federal regulations. 



Under Regulation E of the Electronic Fund Transfer Act ( 12 CFR 1005.11 ), I am entitled to a thorough and evidence-based investigation of the disputed transactions. Your office has failed to provide : - Transaction logs, timestamps, or merchant-validated receipts ; - IP address logs, chip data, or PIN-entry validation to prove authorization ; - Any internal communication or analyst notes substantiating your conclusions ; - Copies of alleged attempts to contact me during the dispute process.

Commerce Bank has instead issued repeated form-letter denials without any accompanying proof or explanation. This conduct not only fails regulatory standards but also disregards the additional review prompted by the Missouri Attorney Generals Office.

Therefore, I am reiterating my formal demand for the following within ten ( 10 ) business days
: 1. Full documentation and records used in your denial decision ; 2. Copies of any investigative steps taken, including communication logs ; 3. Merchant-side data validating the transactions as authorized ; 4. A detailed response appropriate for inclusion in my updated CFPB and Attorney General filings.

5. All evidence so that it can be forwarded and provided to my attorney at XXXX XXXX XXXX XXXX so that legal proceeding and actions can begin against Commerce Bank on my behalf. 



If you fail to respond with the requested records, I will proceed with further legal escalation through state and federal consumer protection channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: KS

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief