vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Summary : Capital One Auto Finance has failed to provide or transfer the title for my financed vehicle, preventing me from legally registering it in Massachusetts. 



Details : I financed my vehicle through Capital One Auto Finance while living in Florida. Since relocating to Massachusetts, I have been unable to register my vehicle because Capital One has not provided or transferred the vehicle title as required. My auto loan is still active, and I continue to make on-time payments but unable to operate vehicle. 



I have contacted Capital One Auto Finance multiple times by phone. Despite these efforts, I have received inconsistent information including claims that the title is being processed or can not be located or " title was sent to local XXXX in MA ". Most recently, I spoke with an employee of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX EXT XXXX MA XXXX over the phone who stated if the title was received without additional documents ( bill of sale ), the title has been returned to Capital one. 



Because the Massachusetts Registry of Motor Vehicles ( RMV ) requires either the paper title or an electronic lienholder record from the lender to complete registration, I have been unable to register or legally drive my vehicle in my new state of residence. This ongoing delay has caused significant inconvenience, financial stress, and risk of non-compliance with state vehicle laws. 



This issue has been ongoing for XXXX ( XXXX ) months and I have documentation of my attempts to resolve it directly with Capital One Auto Finance. I am seeking CFPB assistance to compel timely resolution so I can lawfully register my vehicle in Massachusetts.

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 — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Im being charged extra fees than I was supposed to be charged when I signed up. Not to mention these loans are predatory. They will not work with me to create a settlement, even though their practices are illegal. I need this loan closed immediately and reported as paid in full or completely removed from my credit report. Im making payments of approximately $ XXXX and only getting {$100.00} towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: AZ

Complaint narrative:
In 2020, I purchased furniture from XXXX XXXX  financed through XXXX XXXX. Due to clerical errors in my personal information, I was unable to access my account or make payments despite multiple calls and faxing my drivers license as requested. After repeated failed attempts to correct the account, the debt was sent to collections without notice. Five years later, Galaxy International Purchasing , LLC filed a lawsuit against me for over {$3000.00} nearly double the original purchase amount of {$1800.00}. 

I dispute this debt as inaccurate, unverified, and improperly assigned. I was never contacted with validation or documentation proving ownership of the debt. I request investigation into XXXX XXXX XXXXXXXX XXXX, and Galaxy International Purchasing for improper handling, lack of verification, and potential FDCPA/FCRA violations.

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 — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Subject : Request for Compliance with 15 U.S.C. 1681e ( a ) Verification of Accuracy and Reliability Dear [ Credit Bureau Name ], I am writing to request that you comply with your obligations under 15 U.S.C. 1681e ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Upon reviewing my credit report, I have identified information that I believe may be inaccurate, incomplete, or unverifiable. Please conduct a thorough investigation into the following items to verify their accuracy : 1. [ Creditor Name / Account Number / Description of Item ] Issue : [ Explain briefly why its inaccurate or unverifiable, e.g., Account shows late payment from 2023, but I have documentation proving on-time payment. ] Please provide : The method of verification you used to determine the accuracy of the information ; The name and contact information of the furnisher that verified the data ; and A corrected credit report reflecting any deletions or updates made as a result of your investigation. If you can not verify the accuracy of the information in compliance with 1681e ( a ), please delete the item immediately pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Thank you for your prompt attention. I expect your written response within 30 days as required by law. Sincerely, [ Your Signature ] [ Your Printed Name ] [ Date of Birth / Last Four of SSN for Verification Purposes ] Would you like me to tailor this letter to a specific item or credit bureau ( e.g.XXXX XXXX XXXX XXXX )? I can generate a version ready to send.

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: GA

Complaint narrative:
XXXX Summary of Complaint I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove or properly verify multiple unauthorized hard inquiries that appeared on my consumer credit reports, even after I submitted a written FCRA dispute with supporting identity-theft documentation. 
These inquiries were not authorized, not initiated by me, and no signed consent or permissible-purpose documentation exists. 

XXXX Companies Involved ( Respondents ) Experian Information Solutions , Inc. P.O. Box 4500, Allen, TX 75013 Equifax Information Services LLC P.O. Box 740256, Atlanta, GA 30374 TransUnion LLC P.O. Box 2000, Chester, PA 19016 3 Unauthorized Inquiries in Dispute Experian Reprise Financial / XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) Equifax XXXX  XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) TransUnion XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX & XX/XX/XXXX ) I never applied for credit, loans, or services with these entities, nor provided any authorization for hard inquiries. 

XXXX FCRA Sections Violated 604 Permissible Purpose : No authorization or permissible-purpose documentation produced. 

XXXX07 ( a ) ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

609 ( a ) ( 1 ) ( 3 ) : Failure to provide full disclosure of the source of inquiries and verification method.

611 : Failure to properly reinvestigate within XXXX  days.

605B : Failure to block identity-theft-related inquiries after receiving FTC Report # XXXX XXXX 

605A : Failure to apply or maintain requested fraud alert. 

XXXX Actions Already Taken Sent certified dispute letters dated XX/XX/XXXX to Experian, Equifax, and TransUnion invoking 604, 609, 611, 605A, 605B. 

Included FTC Identity Theft Report ( # XXXX ), photo ID, proof of address, and highlighted credit report pages. 

Requested Method of Verification ( MOV ) for each inquiry and deletion if no signed authorization was available. 

Requested fraud alert placement and blocking of identity-theft related inquiries. 

No bureau provided any proof of authorization, permissible purpose, or written response confirming blocking under 605B. 

XXXX Harm Caused Because of these unauthorized inquiries : My credit scores declined significantly. 

I was denied legitimate credit and loan opportunities. 

I experienced emotional distress and loss of time from ongoing dispute efforts.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Reinvestigation and Deletion Unauthorized Account Reporting Account in Question : XXXX Card Account ending in XXXX XXXXXXXX XXXX  Date Opened : XX/XX/year> To Whom It May Concern, This letter serves as my formal written dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning the unauthorized reporting of the above XXXX account appearing on my Equifax credit file. 

I have never given written consent to XXXX Bank, its affiliates, or any third party to furnish, access, or obtain my consumer report or any personal identifying information in relation to this alleged account. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when the consumer has provided written authorization. Because no such authorization exists, the presence of this account represents an unauthorized and impermissible furnishing of information, in violation of my federal rights.

Equifax, as a national consumer reporting agency, bears the legal duty to ensure the maximum possible accuracy of information reported and to verify disputed data upon notice from the consumer. Therefore, I am demanding that Equifax : Conduct a complete reinvestigation of this account under 1681i ( a ) ; Provide documentary proof of my written authorization allowing XXXX Bank or any entity to obtain or furnish information regarding this account ; and Immediately delete this account if written proof can not be produced within the 30-day period allowed by law. 



Please provide a full written explanation and an updated credit report upon completion of your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: PRIMERA FINANCIAL CORP.
State: GA

Complaint narrative:
I was a long-time and loyal customer of XXXX XXXX XXXX XXXX keeping my accounts in good standing and even paying off XXXX vehicles ahead of schedule. Since XXXX XXXX took over, my experience has significantly declined. Recently, I fell behind on a payment due to unexpected banking system outages that interfered with my ability to make an online payment. Shortly after, I received a text message from an employee named XXXX advising me to contact the office to avoid repossession. I immediately called XXXX XXXX to resolve the issue and make my payment. 

When I spoke with a representative named XXXX, she informed me that I owed XXXX missed payments plus a repossession fee. I explained that I had only received the text message that same day and had not been notified that repossession had actually occurred, so I did not understand why the repossession fee was being charged. Instead of assisting me, XXXX became rude and dismissive, laughed at me, and made a disrespectful comment implying that I was crazy and just upset like all the others who cant make on-time payments. During XXXX of our calls, XXXX was shouting obscenities at me, which was completely unprofessional and unacceptable. She ultimately hung up on me. 

I later spoke with someone named XXXX, who identified herself as a XXXX. Her behavior was also dismissive and unprofessional. She laughed and hung up on me without providing any assistance or offering to help resolve the issue. When I called back to ask for corporate contact information to escalate my concerns, XXXX told me that XXXX XXXX is a small business and that there was no higher contact available. 

This situation ultimately resulted in an actual repossession, which is now negatively impacting my credit, despite my repeated efforts to work with XXXX XXXX to resolve the matter. The companys use of unreliable text messages, which appear as spam, as their primary method of communication is unprofessional and ineffective for serious account issues. I had a long-standing positive relationship with the previous company, XXXX XXXX XXXX and expected the same level of fairness and professionalism from XXXX XXXX after XXXX took over my account. Instead, I was met with unprofessional behavior, unfair charges, and a lack of willingness to work with me to resolve the situation.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company, XXXX XXXX is currently reporting a charged off account showing on Experian, Equifax, and TransUnion. This account was paid in full in XX/XX/XXXX. This account should not be showing as charged off which means cancellation of debt. I contacted this company in XX/XX/XXXX and XX/XX/XXXX requesting a copy of the 1099-C and they have not responded to my requests for this document. I searched my IRS account on the IRS website and confirmed there has not been a 1099-C filed for this charged off account in XXXX. I am requesting that this inaccurate information be removed from the reporting agencies : Experian, Equifax, and TransUnion.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I DESPUTED MY REPORTS WITH TRANSUNION, EQUIFAX, EXPERIAN, XXXX, THEY WILL NOT REMOVE. THEY ARE REPORTING MISLEADING INFORMATION ON ALL ACCOUNTS IN MY EXHIBITS THEY IN VIOLATION OF METRO-2 FCRA REGULATIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: NC

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 2025-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I filed for bankruptcy on XX/XX/XXXX of this year and was XXXX on XX/XX/XXXX of this year. I recently received a notification from my credit karma and myFICO stating that I had a collection being added to my report. I immediately check my credit report and notice that a collection was added to my credit report. I proceed to contact the debt collection agency Credit Management Company to ask how was this debt incurred when I added XXXX debts from FLORIDA XXXX XXXX XXXX XXXX XXXX in the amount of {$550.00} for each one to my bankruptcy, and those were the only two that were on my credit report. Ive only ever had those two debts from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and they were added in my bankruptcy case. When I spoke to a account manager over the phone to ask when was this debt incurred, he stated in XXXX, I then tell him if that debt was there since XXXX then I wouldve seen that debt on my credit reports and I more than likely wouldve added it to my bankruptcy. The new collection is in the amount of {$510.00}, and its from the same XXXX XXXXXXXX XXXX XXXX XXXX XXXX, I believe that they added this debt to my credit report in a malicious manner, they lowered the amount of the debt to not reflect it as being the same as the debt that was included in my bankruptcy case to make it appear as a new debt. It also magically appeared on my report a week after my discharge from bankruptcy. The debt that I had previously from FLORIDA XXXX XXXX XXXX XXXX XXXX, were only 2 collections in the amount {$550.00}, and they stayed on my report, thats why I included them in my bankruptcy case, because it was only 2, I never had 3 collections from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, theyve created a new debt and added it to my credit report, theyve also lowered the amount of the new debt to {$510.00}, if this debt was on my credit report, I would have included it in my bankruptcy case. What they are doing is fraud, and should be reported to the right authorities.

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 — Account information incorrect
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
INNOVIS IS REPORTING MISLEADING INFORMATION ON PAYMENT HISTORY MULTIPLE TIMES CHARGED OFFS THEY ARE IN VIOLATION OF XXXX FCRA

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and a recent data breach. My TransUnion credit file contains multiple unauthorized inquiries and negative items that I did not initiate, authorize, or consent to. 

Despite submitting disputes directly to TransUnion and the creditors involved, these accounts and inquiries have not been removed. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting that all fraudulent inquiries and accounts be permanently blocked and deleted from my file. 

Below is the list of unauthorized inquiries and accounts reported by TransUnion that must be removed : 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 These inquiries and accounts were not authorized by me, and I had no dealings or applications with these companies. I request the CFPB to investigate TransUnions failure to block and delete these fraudulent items as required by federal 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and a recent data breach. My Equifax credit report contains multiple unauthorized inquiries and accounts that I did not initiate, authorize, or consent to. 

Despite submitting disputes directly to Equifax and contacting the creditors involved, these items have not been removed. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting that all fraudulent and unauthorized accounts and inquiries be permanently blocked and deleted from my Equifax consumer file.

Below is the list of unauthorized Equifax inquiries/accounts that must be deleted : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  These inquiries and accounts were not authorized by me, and I had no credit applications or dealings with these companies. I request that the CFPB investigate Equifaxs failure to block and delete these fraudulent items as required by federal law and ensure they are permanently removed from my consumer report.

Company response to consumer: Closed with explanation