vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX  XXXX  from XXXX XXXX XXXX XXXX XXXX ( XXXX, AL ) and took full possession of the vehicle. I was verbally told that financing was approved through Capital One, and the dealership never provided a full retail installment contract or written conditional delivery disclosures. Shortly after the sale, the dealership contacted Capital One and cancelled my credit application without my consent. 

My husband later contacted Capital One directly ( Ref. No. XXXX ), and Capital One confirmed that the application was only returned due to an incorrect HR phone numbera minor, correctable issue. Capital One stated that the application could be resubmitted once corrected.

However, the dealership refused to resubmit the application and began giving contradictory explanations, including : ( 1 ) claiming my information was invalid, ( 2 ) claiming Capital One denied the application, and ( 3 ) claiming they had no cashable contract. They never issued any written denial, adverse action notice, rescission notice, or TILA-required documentation.

Despite the vehicle being in my lawful possession, the dealership repossessed it without providing any required written notices, itemization, right-to-cure, or accounting of my {$1500.00} down payment. My personal property inside the vehicle was not returned, and the dealership later stated they threw away my license plate.

Over the past year, I have repeatedly requested copies of : the credit application, the retail installment contract, lender submission records, and all repossession documentation. The dealership refuses to provide documents in writing and continues ignoring my requests. My recent formal written request ( XXXX XXXX ) was ignored, and instead of responding to me directly, the dealership contacted my motherdespite having my correct email and phone number and having previously communicated with me.

This appears to be a yo-yo financing practice, involving misrepresentation of lender decisions, failure to provide federally required disclosures, improper use of my credit application, and an unlawful repossession. I am requesting CFPB review and assistance in obtaining all legally required documentation and correcting any inaccurate reporting or negative credit implications associated with this improperly handled transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
From XX/XX/year> through the present, Equifax has reported personal identifying information on my consumer credit file that does not belong to me and has never been associated with my identity. Specifically, Equifax has attributed to me the residential address XXXX XXXX XXXX, XXXX  XXXX, XXXX, New York XXXX, with a reported residency start date of XX/XX/year>, as well as the telephone number ( XXXX ) XXXX, identifying both as belonging to or associated with me. 

I state unequivocally that I have never resided at XXXX XXXX XXXX, XXXX  XXXX, XXXX, New York XXXX, at any time, including but not limited to the period from XX/XX/year> through the present. I have never occupied, leased, subleased, received mail at, or otherwise maintained any residential or legal connection to that address. Additionally, I have never owned, used, authorized, or been associated in any manner with the telephone number ( XXXX ) XXXX. This address and phone number are not part of my residential, mailing, or contact history and have no factual basis for inclusion in my credit file. 

The continued reporting of this address and telephone number constitutes inaccurate and improperly attributed personal identifying information. Reporting personal identifiers that do not belong to the consumer violates the requirement under the Fair Credit Reporting Act that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The presence of an address and phone number that have never belonged to me demonstrates a failure to verify identity data and creates a substantial risk of misidentification, improper account matching, and inaccurate credit reporting. 

Because this personal identifying information does not belong to me and can not be verified as accurate, it is unverifiable as reported and should not remain on my consumer credit file. Any reinvestigation or verification that relies on this incorrect address or telephone number is inherently defective, as it is based on inaccurate identity data. Information that can not be verified with complete accuracy must be deleted rather than retained, relabeled, or reassigned. 

Accordingly, the reporting of XXXX XXXX XXXX, XXXX  XXXX, XXXX, New York XXXX, and the telephone number ( XXXX ) XXXX as associated with me is inaccurate, unverifiable, and improperly attributed. This information does not belong to me, has never belonged to me, and must be permanently removed from my credit file to restore the accuracy and integrity of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against the TransUnion for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) related to the continued reporting of inaccurate and unverified late payment information on my credit report. I formally disputed this account in writing, specifically the late payments being reported on my XXXX XXXX XXXX XXXX account ending in XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite my dispute, the credit bureaus have failed to demonstrate that a reasonable investigation was conducted or that the information was verified with competent and legally sufficient evidence from the data furnisher. 

The continued reporting of these disputed late payments is damaging, misleading, and noncompliant with federal law. Under the FCRA, TransUnion is required to ensure maximum possible accuracy and to delete or correct information that can not be verified. Simply parroting information from the furnisher without proper validation does not meet the standard of a reasonable investigation. The credit bureaus failure to correct or delete this inaccurate information constitutes willful and negligent noncompliance with the FCRA and has caused ongoing harm to my credit standing and financial opportunities. 

I am requesting CFPB intervention to ensure the credit bureaus comply with federal law and cease reporting inaccurate, unverifiable information.

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 2025-12-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am submitting this complaint to request an investigation into multiple inaccuracies appearing on my consumer credit report. These items are being reported incorrectly and do not reflect accurate or verifiable information.

1. Incorrect Addresses ( Not Mine ) The following addresses are listed on my credit report but are not associated with me. I have no knowledge of these addresses and have never lived at or received mail at these locations. These addresses should be removed immediately as they are inaccurate. 

XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX 2. Inaccurate Late Payment Reporting XXXX  XXXX Account No : XXXXXXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment This account is being reported with a late payment history. This information is incorrect. I have never made a late payment on this account. The payment history being reported does not reflect accurate account activity and should be corrected to show a perfect payment history after a proper investigation.

3. Unauthorized / Unrecognized Hard Inquiries The following hard inquiries appear on my credit report, and I do not recognize or recall authorizing them. These inquiries should not be impacting my credit file without proper authorization or proof of permissible purpose. 

XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX If these companies claim the inquiries are valid, they must provide documented proof of authorization. Otherwise, these inquiries should be removed.

Request for Resolution I am requesting that the CFPB ensure the credit reporting agencies and furnishers : Conduct a proper and complete investigation into each item listed above. 

Delete all inaccurate addresses that are not associated with me. 

Correct the XXXX XXXX account payment history to reflect accurate information. 

Remove all unauthorized inquiries that can not be verified with permissible purpose. 

Update my credit report to reflect only accurate, verifiable, and lawful information in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation of the results of this investigation and any corrections made. 

Thank you for your assistance in resolving these inaccuracies.

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 2025-12-16 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: CA

Complaint narrative:
Hi.I am reporting fraudulent accounts and inquiers found in my credit report XXXX XX/XX/year> XXXX XXXX XX/XX/year>. Pleace remove from my credit report .. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi.I am reporting fraudulent accounts and inquiers found in my credit report XXXX XX/XX/year> XXXX XXXX XX/XX/year>. Pleace remove from my credit report .. Thank You

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My personal checking/savings Bank of America account was blocked XXXX without explanation. 
There are remaining funds of approximately {$2500.00} in the accounts. 
Im out of the country and will not be back soon.

I have contacted Bank of America customer support multiple times and provided them all the information they requested, no resolution.my credit cards are blocked as well.

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX when I bought it I had to take it to emissions and it failed the first time so I had to take it back again it finally passed. But I put XXXX down on the car it was financed thru XXXX XXXX  well XXXX later I received a call from XXXX  XXXXXXXX XXXX XXXX asking me if I was still interested in purchasing the car. I said I already have and fixing to make my first payment well the agent was shocked called the dealership. Well the dealership called me in to redo paperwork I had a new lender. I go in and everyth changed they didn't show the down-payment and I had to take out the most expensive extended warranty thru XXXX  XXXX cause of the turbo. So I dont even have the car 6months and hit the brake and all of a sudden cant stear car lost power everyth. XXXX in Alabama had it towed and looked at it and said XXXX went out blew my motor so they contacted XXXX they sent their ppl out said the warranty didn't cover it. They would pay for turbo but not motor. New motor was XXXX alone not counting labor. So I had to.have someone in tn to come to Alabama to pick me up. I told XXXX  they waited few months to pick up car cause I couldnt pay for it couldnt get to work. But they get car and im sure sold it but my balance is still the same and wouldn't refund the warranty since it had been paid up front the XXXX didn't pay for a rental or my.hotel stay or anyth. Still have no clue where my down payment went.the car only had XXXX miles on it. They still keep reporting bad on my credit and if they charge it off or whatever where they are forgiven for.the loan then why would I have to pay them when they aren't out the money and they had the car and resold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I have been disputing this on my credit report through XXXX XXXX. I am contacting you guys to ensure they are fully compliant across the board in terms of accurate reporting to the credit agencies so that I can know that correct step to take in resolving this matter. The interest seemed too high and with the integrity of this company ( pertaining to the many lawsuits and even accidentally depositing funds into the wrong accounts ) I just want to ensure that my information has not been compromised so that I can handle this in the appropriate way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Account was closed payment was made on the XXXX with confirmation number payment never process or applied to debt confirmation number XXXX payment made XX/XX/XXXX of XXXX on a recorded line customer service supervisor advised the call will be pulled to see what happened with the payment not being posted but showing being paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I deny ownership of these accounts and request their removal within the legally required 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LEXISNEXIS
State: CA

Complaint narrative:
Hi.I am reporting fraudulent accounts and inquiers found in my credit report XXXX XX/XX/year> XXXX XXXX XX/XX/year>. Pleace remove from my credit report .. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 submitting this formal complaint regarding multiple instances of inaccurate, unverifiable, and incorrectly reported information appearing on my credit reports. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these errors continue to be reported, indicating a failure by furnishers and/or credit reporting agencies to ensure maximum possible accuracy. 

Below are the disputed items : Incorrect Addresses ( Not Mine Request Deletion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of, and no association with, the above addresses. They are not mine and should not be associated with my credit profile. I am requesting immediate deletion of these addresses from all credit reporting agencies. 

Accounts Reporting Inaccurate Late Payments ( History Is Incorrect ) XXXX Account XXXX * Date Opened : XX/XX/XXXX High Balance : {$100000.00} Issue : Late Payment XXXX XXXX Account XXXX XXXX XXXX : XX/XX/XXXX High Balance : {$3100.00} Issue : Late Payment XXXX Account XXXX Date Opened : XX/XX/XXXX High Balance : {$7500.00} Issue : Late Payment The payment histories reported on the above accounts are incorrect. I have never made a late payment on these accounts. The reporting does not accurately reflect my true payment history and must be corrected to reflect accurate information. 

Charge-Off Accounts No Knowledge ( Request Investigation and Deletion or Correction ) XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$5300.00} Status : Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$28000.00} Status : Charge-Off I have no knowledge of these accounts. I did not authorize them, and I do not recognize them as belonging to me. These accounts must be fully investigated, and if they can not be properly verified with complete and accurate documentation, they must be deleted or corrected immediately. 

Request for CFPB Assistance I am requesting that the CFPB intervene to ensure : A proper and lawful reinvestigation is conducted Inaccurate late payment histories are corrected Accounts I have no knowledge of are deleted or corrected Addresses that are not mine are removed All reporting complies with the FCRAs requirement for maximum possible accuracy Please require the furnishers and credit reporting agencies to provide proof of verification and correct my credit file accordingly. 

Thank you for your assistance in resolving these ongoing reporting errors.

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 2025-12-16 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation