vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am filing a formal complaint against Capital One Auto Finance regarding account number XXXX. I made {$25000.00} in payments on this auto loan. Without explanation, Capital One closed the loan while I remained in possession of the vehicle. To this day, I have not received a lien release or vehicle title, and Capital One has not refunded any portion of the funds paid. This has left me with an asset I can not sell, transfer, placing me at legal and financial risk. 

This is a clear case of breach of contract, failure to fulfill the loan agreement, and unjust enrichment, as the company accepted payment and then failed to deliver what was contractually owed. 

In addition, I want to highlight that Capital One has shown a pattern of noncompliant and inconsistent account handling : They recently deleted two Capital One credit card tradelines from my credit report with no notice or explanation.

These deletions were done silently, without verifying the accuracy of the data as required by FCRA 611. 
I believe this demonstrates systemic data integrity and compliance issues at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 discovered multiple accounts and inquiries that I did not authorize, do not recognize, and have no connection to whatsoever. In XXXX, XXXX My credit report shows multiple accounts and inquiries I never opened none of these belong to me. This fraudulent activity is causing me severe distress. To resolve this as this shows I have been a victim of identity theft. The fraudulents accounts appearing on my report are as follows : XXXX - Credit Card - Opened in XX/XX/XXXX ; XXXX  - Credit Card - Opened in XX/XX/XXXX ; XXXX  XXXX ( Account # : XXXX ) - Credit Card - Opened in XX/XX/XXXX ; XXXX  XXXX ( Account # : XXXX ) - Credit Card - Opened in XX/XX/XXXX ; XXXX XXXX XXXX - Collection - Opened in XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX  XXXX ) - Collection - Opened in XX/XX/XXXX ( Account # XXXX ) ; CXXXX XXXX - Collection - Opened in XX/XX/XXXX. 

Additionally, there are unauthorized hard inquiries on my report that I never consented to, further confirming the identity theft. These include : TransUnion : XXXX inquired on XX/XX/XXXX, Equifax : XXXX inquired on XX/XX/XXXX, Experian : XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on 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 2025-05-19 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-19 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
applied to all disputed items : FCRA Section 609 ( a ) ( 1 ) ( A ) : Demand original documentation ( contracts, court records ).

FCRA Section 605 ( a ) ( 5 ) : Challenge accounts exceeding the 7-year reporting limit.

FCRA Section 611 ( a ) ( 1 ) : Require a reasonable investigation and suppression during disputes.

FCRA Section 623 ( a ) : Address furnisher errors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
FDCPA Section 809 : Request debt validation for potential collections.

Inconsistent Reporting : Highlight discrepancies across bureaus.

Public Record Specificity : Demand court documents for verification.

Suppression Request : Request temporary suppression during disputes.

The revised list of negative items to dispute, based on your clarification and the report : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by Experian ( opened XX/XX/XXXX, last activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ) and Equifax ( XXXX activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ). Not reported by TransUnion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported by Equifax ( opened XX/XX/XXXX, last activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ). Not reported by TransUnion or Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Not explicitly detailed in the report but assumed to be one of Experians two derogatory accounts or TransUnions unspecified derogatory account. Likely closed with {$0.00} balance, marked derogatory ( e.g., due to collections or charge-off ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Similarly not detailed but assumed to be a derogatory account ( e.g., Experians second account or TransUnions ). Likely closed, {$0.00} balance, derogatory. 
Unspecified Derogatory Account : TransUnion reports XXXX derogatory account ( unspecified ), which XXXX be XXXX XXXX XXXX XXXX XXXX XXXX XXXX another collection/charge-off. 
Public Record : 1 reported across all bureaus ( details unspecified, likely a bankruptcy, lien, or judgment ). 
Collections/Charge-offs : Collection Chargeoff mentioned, suggesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX may involve collections. 
Assumptions : Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX lack specific details ( e.g., dates, balances ), Ill treat them as closed, {$0.00} balance, and derogatory, consistent with the reports pattern for other accounts. If they are collections, FDCPA validation will apply. Ill note potential statute of limitations issues ( 7-year reporting limit ) and inconsistencies ( e.g., not reported by all bureaus ).

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
applied to all disputed items : FCRA Section 609 ( a ) ( 1 ) ( A ) : Demand original documentation ( contracts, court records ).

FCRA Section 605 ( a ) ( 5 ) : Challenge accounts exceeding the 7-year reporting limit.

FCRA Section 611 ( a ) ( 1 ) : Require a reasonable investigation and suppression during disputes.

FCRA Section 623 ( a ) : Address furnisher errors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
FDCPA Section 809 : Request debt validation for potential collections.

Inconsistent Reporting : Highlight discrepancies across bureaus.

Public Record Specificity : Demand court documents for verification.

Suppression Request : Request temporary suppression during disputes.

The revised list of negative items to dispute, based on your clarification and the report : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by Experian ( opened XX/XX/XXXX, last activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ) and Equifax ( XXXX activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ). Not reported by TransUnion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported by Equifax ( opened XX/XX/XXXX, last activity XX/XX/XXXX, closed, {$0.00} balance, derogatory ). Not reported by TransUnion or Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Not explicitly detailed in the report but assumed to be one of Experians two derogatory accounts or TransUnions unspecified derogatory account. Likely closed with {$0.00} balance, marked derogatory ( e.g., due to collections or charge-off ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Similarly not detailed but assumed to be a derogatory account ( e.g., Experians second account or TransUnions ). Likely closed, {$0.00} balance, derogatory. 
Unspecified Derogatory Account : TransUnion reports XXXX derogatory account ( unspecified ), which XXXX be XXXX XXXX XXXX XXXX XXXX XXXX XXXX another collection/charge-off. 
Public Record : 1 reported across all bureaus ( details unspecified, likely a bankruptcy, lien, or judgment ). 
Collections/Charge-offs : Collection Chargeoff mentioned, suggesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX may involve collections. 
Assumptions : Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX lack specific details ( e.g., dates, balances ), Ill treat them as closed, {$0.00} balance, and derogatory, consistent with the reports pattern for other accounts. If they are collections, FDCPA validation will apply. Ill note potential statute of limitations issues ( 7-year reporting limit ) and inconsistencies ( e.g., not reported by all bureaus ).

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 2025-05-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my checking account was charged {$260.00} from XXXX XXXX. I contacted my bank immediately as I did not recognize the charge. I was not even given a provisional credit. I had my card on hand and I live alone. They started an investigation and then informed me on XX/XX/XXXX by letter that the transaction was actually authorized and that the decision was final and there was nothing I could do about it. I have never used XXXX in my life. I do not have a XXXX account. And I called to say I did not recognize it. The XXXX XXXX account the money was sent to was not even in my name.

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 2025-05-19 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
For two months I have been trying to transfer my funds from HSA Bank to XXXX XXXX. HSA has given me the run around and has not closed the account or transferred the funds. I have emailed the form twice and I mailed in the form too. I have been told be two people that the funds would be sent to XXXX. Now I have been told that all the forms have been lost and that my account is still open. I have letters from them with copies of the forms that they mailed me. The letters state that my account is still open. I have explained to them that on my side my accounts are closed, today I was told there was XXXX in my investment account, by on what I can see the account had a XXXX balance. They recently changed the companies that manage the investments, that could be why they have computer glitches. Either way they should be able to close the account, or look at the account from my side and see what I am seeing. 

This was a somewhat dormant account it was from a previous employer, I am beginning to think that the money is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a beyond checking account in XX/XX/year> with TD Bank, and deposited a {$19000.00} worker 's compensation settlement award check into the account. Over the course of the next month, my account was flagged multiple times for fraudulent purchases, and they locked my account down. I had to call them multiple times to get the lock off of my checking account. Today, XX/XX/year>, I go into XXXX XXXX to purchase groceries and my card declines again. I call TD customer service and they inform me my account has a block on it for identity fraud and that I would need to visit a branch for more help. I go to TD Bank immediately to try and resolve this. I provided my debit card, my driver 's license, and my social security card. They call TD 's fraud department while I am there and they inform me due to fraudulent purchases, my account is going to be dissolved and they will mail me a check within 15-30 days. All of the money I had was in the account, I am now completely broke with no way to do anything that requires money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I am a victim of identity theft. This account with Fidelity XXXX XXXX, opened on XX/XX/year>, is not mine. I never signed a lease or authorized this debt. The balance, now {$3400.00}, increases monthly without cause. I discovered this on my credit report and immediately took steps to dispute it. I have submitted an FTC Identity Theft Report and contacted the credit bureaus. Despite this, the account has not been removed. Im requesting immediate removal of this fraudulent eviction record from my credit report

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$1600.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$2000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$1700.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$430.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$160.00} Open Date XX/XX/XXXXXXXX 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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-19 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance : {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX  Balance : {$2000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$1700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX, Balance : {$530.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance : {$160.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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 2025-05-19 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: OK

Complaint narrative:
please chek the information concerning the euifax data reach

Company response to consumer: Closed with non-monetary relief