vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, COAF wrote a totally fabricated letter for purposes to assist with creating of no payments towards principle/interest but that installment payments were renamed, then placed into COAF accounts as an asset. Then the fabricated XX/XX/XXXX appeared, to assist with placing my installment payments into asset payments with nothing towards principle/interest. 

This issue is not about credit reporting. This issue is about fraud A payment made on XX/XX/XXXX was deemed something other than an installment payment. Rather than apply the XX/XX/XXXX payment as an installment payment Capital One auto Finance removed the XXXX payment, then decided to place the XXXX payment towards the end of the loan. 
Capital One auto Finance documented in a letter that the XX/XX/XXXX installment payment will not go towards neither principle nor interest, but instead, will go into Capital One auto Finances account as an asset but at the same time maintain a debit balance on my account, proclaiming that the XX/XX/XXXX installment payment will allow Capital One auto Finance to occur interest when in reality the XX/XX/XXXX payment is an installment payment and should have been credited to my account. 
The XX/XX/XXXX payment cant be both an installment payment and a good faith payment at the same time. 
As far as Capital One auto Finances letter dated XX/XX/XXXX is concerned, they want you to believe that I requested my XXXX payment to be entered as a credit to COAF. And to be placed at the end of the loan. 
Without that letter COAF couldnt commit the scam. 
Its not enough to say that the XX/XX/XXXX letter was never received, seen. signed, or acknowledge, but as it stands, each and every point in the letter is a complete fabrication. Capital One auto Finance, rather than possessing moral degradation and moral turpitude, a company should never create absolute fabricated letters while lending itself as one of public trust. If regulatory agencies allow COAF to create fabricated letters, COAF will remain a danger to the public, This issue is not about credit reporting. This issue is about fraud XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
i received a loan from the company loan XXXX which they charged off back in XX/XX/year> which my bankruptcy was dismissed I paid they in full the original loanw as for {$1200.00} for 11 months which was paid before 11 months. uplift is claiming they recieved a refund from the cruise line which is not true I went on the cruise so why would you recieve a refund I paid the loan off in full. i need this case investigated this company is not being truthful they was paid and they also charges off on the loan.

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 2025-07-25 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: UPGRADE, INC.
State: NY

Complaint narrative:
i received a loan from the company loan XXXX which they charged off back in XX/XX/year> which my bankruptcy was dismissed I paid they in full the original loanw as for {$1200.00} for 11 months which was paid before 11 months. uplift is claiming they recieved a refund from the cruise line which is not true I went on the cruise so why would you recieve a refund I paid the loan off in full. i need this case investigated this company is not being truthful they was paid and they also charges off on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I am disputing a collection account from XXXX XXXX XXXX ( Experian reports them as XXXX XXXX XXXXXXXX ) showing a balance of {$2500.00}, reported on XX/XX/year>. This account is being reported inaccurately and without sufficient documentation as required by the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ).

Details : Credence has not provided proof of ownership or authorization to collect on this account.

Experian, Transunion, and Equifax are reporting this account with incomplete and unverifiable information ( no original creditor contract, potential re-aging of the account ). 

I requested verification and have not been provided legally required documentation.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX or XXXX, we purchased a timeshare package that included XXXX points. From the beginning, we were skeptical about the program 's value, but we proceeded with the purchase based on the representations made by the sales staff. When attempting to book a " signature '' room shortly after our purchase, we were informed that we did not qualify, as we needed to be in a higher point bracketthis directly contradicted what was initially explained to us. 

In XX/XX/XXXX, during a return visit, we were told at check-in that we were scheduled for an " owners orientation '', described as a routine follow-up to check on our satisfaction. However, this meeting quickly turned into another high-pressure sales presentation. We expressed our concerns about the misleading information from the first package and our overall skepticism, only to be convinced to upgrade. We were assured that by purchasing an additional XXXX points for approximately {$200.00} more, we would now be classified as " XXXX XXXX, '' which would allow us access to the upgraded accommodations and benefits we were previously denied. 

Unfortunately, after this second purchase, we again encountered restrictions. When trying to book under our new " XXXX '' status, we were informed that yet another level was required for the accommodations we sought. At this point, it became clear that we were repeatedly misled and sold packages under pretenses. The promises made during both transactions were not honored, and the information provided to us was inconsistent and deceptive. We are requesting a full review of our account and expect appropriate resolution and accountability from the timeshare company. 
In addition, I've sent emails to XXXX different individuals, and there has been no response. I am asking for a response in 7 days, as prior to emailing, I reached out to the salesperson, as well as the finance center.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I opened an account with SoFi. Once I got paid I used it regularly. My account the became restricted after only about a week of using the card.I could no longer use it. I contacted the security dept as the letter said within 14 days. It has been 4 weeks now and account is still restricted. I also filed a complaint and the complaint dept never reached back out to me. I was told they could not provide me the reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account or debt listed and have no knowledge of the transactions associated with them. I also found out my personal information was leaked on multiple data breaches without my knowledge or consent. I discovered this fraudulent activity on XX/XX/2025, and I have taken the necessary steps to protect my identity, including filing a police report and placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate investigation of the following charged-off account being reported by Discover : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charged-Off Date of First Delinquency : [ Insert if known ] Under my rights provided by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681g, 1681s-2, 1681i, and Section 609 ( a ) ( 1 ), I request that you provide : A copy of the original signed contract or agreement ( with my wet-ink signature ) Full chain of assignment or title ( if sold or transferred ) Complete accounting/payment history The verified Date of First Delinquency ( DOFD ) Proof that this debt is still legally collectible within the statute of limitations If you can not verify the above documentation, you are obligated under 15 U.S. Code 1681i to delete the account from all consumer reporting agencies within 30 days.

Additionally, under 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ), you are prohibited from disclosing, sharing, or reporting any nonpublic personal financial information about me to third parties including credit bureaus without my clear and explicit consent. I have never provided Discover with express permission to report this charged-off debt after the account was closed or sold. If you are unable to produce : A signed original contract, Evidence of continued legal collection rights, and Proof of valid consent to report this account publicly, then continu
ed reporting constitutes a willful violation of the FCRA, the Gramm-Leach-Bliley Act, and consumer privacy protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal notice of dispute regarding a late payment entry on my credit report. I am confident that this report is incorrect, as I have never missed a payment on the associated account. I maintain thorough records that support my history of timely payments.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
BRIDGCREST is falsely reporting on my credit. I have never had any accounts with them. Per my research BRIDGCREST T is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I am a co-borrower on a mortgage serviced by Mr. Cooper ( Nationstar Mortgage LLC ). After my husband 's death, I was told by Mr. Cooper that I needed to pay over {$3000.00} in closing costs and go through full underwriting in order to assume the mortgage and remove my late husbands name from the loan, even though I am already legally responsible for the loan, live in the home, and have continued making payments. 

My complaints are : I was originally told these fees and requirements were FEDERALLY mandated ( which isn't true ). Then I was told they were due to investor guidelines. Then I was told XXXX XXXX, the investor, had this as THEIR policy and Mr. Cooper has no control over it. 

After confirming with XXXX XXXX directly, I was told they do NOT require servicers to impose these fees on surviving spouses who are already co-borrowers. This is solely at the discretion of Mr. Cooper. When I called Mr. Cooper back to get clarification on this mix-up, no one could answer my question, and " I will have to wait ''. 

Mr. Cooper is misrepresenting the reason for the fees, first claiming it's federal, then blaming XXXX XXXX, when its been confirmed by XXXX XXXX that this is untrue. Their letters consistently cite investor guidelines and never disclose who the investor is or provide any documentation that such guidelines exist. I have uploaded XXXX of their responses. Also, I have attached a screenshot from XXXX XXXX official servicing guidelines titled " Eligibility and Application for Approval of Transfers of Ownership, Assumptions, and Releases of Liability. '' These guidelines clearly outline the requirements for handling assumptions and transfers, and nowhere do they MANDATE closing costs or full underwriting for a surviving co-borrower already listed on the mortgage. 

This has dragged on and feels deliberately obstructive. They are leveraging my husbands death to extract thousands of dollars from me to simply remove a deceased persons name. Their customer service reps have even expressed surprise when hearing I was being charged anything, let alone {$3000.00}, to complete this process. 

Please investigate this practice. Their refusal to provide clarity or ownership of their own policy, while blaming it on entities like XXXX XXXX, is deceptive and cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my records and review of my credit report, I noticed a hard inquiry that I did not authorize. This inquiry appears to be in violation of the Fair Credit Reporting Act ( FCRA ) and is covered under 15 U.S. Code 1602p.

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 2025-07-25 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: CA

Complaint narrative:
The following inquiries are not authorized. Please remove it from my credit report immediately. 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 Please correct and update the late payment on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following inquiries are not authorized. Please remove it from my credit report immediately. 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 Please correct and update the late payment on my credit report. 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 2025-07-25 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: TX

Complaint narrative:
I am contacting you to dispute a reported late payment that does not accurately reflect my payment history. I have always upheld my financial obligations with diligence and punctuality, and this entry appears to be a reporting error.

Company response to consumer: Closed with non-monetary relief