vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting a formal complaint against Capital One Auto Finance for inaccurate and potentially unlawful reporting of a joint auto loan account that is damaging my credit file. 

According to my XXXX  credit report dated XX/XX/XXXX, the account is marked as Paid, Closed with a reported repossession and charge-off in XX/XX/XXXX. However, this is misleading and conflicts with documented payment history and delinquency records. Key Issues : My first late payment occurred in XX/XX/XXXX, not XX/XX/XXXX. Under FCRA 623 ( a ) ( 5 ), Capital One is required to report this original delinquency date to begin the 7-year reporting window. Anchoring the charge-off to XXXX may constitute unlawful re-aging of the account.

The payment history contains multiple months marked ND ( No Data ) or missing entries, including the period surrounding the reported repossession. This violates FCRA 1681e ( b ), which requires maximum possible accuracy in credit reporting.

The account reflects a repossession status despite being labeled Paid, Closed. There is no verified payment activity, and Capital One has failed to supply documentation supporting the repossession or account closure timeline.

I have previously disputed this account and received a generic response stating investigation complete, reported by data furnisher, but I was never provided documentation, payment records, or a reasonable reinvestigation per FCRA 1681i ( a ).

The tradeline misrepresents my financial history and is inconsistent with other collection agency records related to this account, further suggesting improper data handling or furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries :

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I took out multiple loans through Opportunity Financial , LLC ( also known as OppLoans ) and have paid over {$2500.00} in interest alone over a period of time. The Annual Percentage Rate ( APR ) on these loans was 159.56 %, which I now understand exceeds Florida 's legal interest rate caps and may violate state usury laws.

I have repaid two of the loans in full and recently entered into a third loan. Upon reviewing my contracts and payment history, I discovered that the fees and interest charges were excessive, predatory, and financially devastating. These terms were not clearly disclosed or explained, and I was not made aware of the true long-term costs when agreeing to the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I XXXX XXXX CONTACT EQUIFAX, IN WRITING AND BY PHONE DISPUTING 2 COLLECTIONS BOTH BY XXXX XXXX, ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME I DISPUTE THIS SEVERAL TIMES AND THEY HAVE NOT REMOVED OR DELETED THESE ITEMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally address my concerns regarding my experience with Chase Bank, specifically related to the business account I opened. Unfortunately, I have encountered numerous issues since day one.

Initially, when my account was opened, the banker made errors that resulted in restrictions being placed on my account. These restrictions lasted for several days, during which I was unable to deposit or transfer funds. As a consequence, I lost several significant sales opportunities, as well as customers and subcontractors who rely on timely transactions.

The banker has acknowledged that the account restrictions were due to their mistake in the account setup. This situation has not only led to substantial financial losses but has also negatively impacted my reputation and relationships within my business community.

Following up on my previous communication, I would like to express my ongoing frustration regarding my experience with Chase Bank. After the initial issue with my business account was resolved, I did not receive any apology or compensation, which I believe would have been appropriate given the circumstances.

Unfortunately, about a month later, I encountered yet another serious issue. I utilize Chase 's merchant services for processing credit card transactions, and after making several charges, the bank decided to restrict this service and placed my funds on hold for an alarming 120 days. This situation is incredibly detrimental to my business, as it puts me in a precarious financial position and affects my ability to operate effectively.

I am reaching out in desperation for assistance. As a large institution, I feel that Chase Bank is significantly impacting my business and personal well-being through these repeated challenges, none of which are due to my actions. I urge you to take this matter seriously and provide the necessary support to resolve these issues promptly.

Thank you for your attention to this urgent situation. I look forward to your swift response. PLESE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 noticed a late payment that doesnt match my usual behavior. Kindly reassess and correct if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: KEYCORP
State: OH

Complaint narrative:
I took out a private student loan through KeyBank in XXXX while attending XXXX XXXX XXXX, a XXXX XXXX XXXX  based in XXXX, Florida. The school and KeyBank had a close financial arrangement in which the school facilitated direct loan access for its students through KeyBank. As part of their enrollment pitch, XXXX XXXX promised students that they would repay the full loan to KeyBank on our behalf, contingent on completing training and entering employment. 

In 2005, while I was still enrolled, KeyBank abruptly and without notice ceased all future loan funding to XXXX XXXX students. As a direct result, XXXX XXXX was forced to shut down suddenly, leaving me and other students without a completed education and no way to finish or transfer our training. The program collapsed midstream, and our ability to qualify for the promised employment was destroyed. 

Because XXXX XXXX closed its doors shortly after the funding cutoff, they were unable to honor their commitment to repay the loans. Despite this, KeyBank continued to pursue students like myself for the full balance, even though the original educational service was never fully delivered and the school had agreed to pay the loan.


I am now over 120 days past due on this loan. The balance continues to grow due to accrued interest and fees. I was never given a fair opportunity to dispute the debt or settle it reasonably. KeyBank has made no attempt to acknowledge their role in the schools closure or the hardship caused to students who were left stranded in the process. I respectfully request that the Consumer Financial Protection Bureau investigate KeyBanks involvement in the collapse of XXXX XXXX XXXX, including their abrupt withdrawal of loan funding and the subsequent impact on borrowers who were misled and financially harmed as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
My XXXX rights where violated in breach by the XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-28 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: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-28 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: NV

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 2025-07-28 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: TN

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 explanation
Consumer complaint received 2025-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I recently reviewed a copy of my credit reports and found identity theft. This incorrect information has caused me problems and has made it difficult to obtain new credit and has hurt many other aspects of my life. I expect this to be removed/ deleted immediately.

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 2025-07-28 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
An account has been fraudulently attributed to me without my knowledge or consent. I did not apply for, authorize, or use this account in any capacity.

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 2025-07-28 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:
Hello, I have issue with the credit bureaus handling of my credit disputes. I have contacted them several times and they failed to conduct an investigation and remove the inaccurate accounts from my credit. I recently contacted them via mail in XXXX and I still have not received any results or correspondence from the credit bureaus or the creditors. It's been XXXX  days now and I know the FCRA says they must respond within XXXX  days. I filed complaints with other agencies and my attorney said I could sue and receive XXXX per violation, well I have proof of multiple violations.

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 2025-07-28 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$84.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
These questions were neither anticipated nor authorized. Please proceed quickly to review the documents.

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 2025-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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