vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, AL XXXX XXXX XXXX XX/XX/year> Capital One Bank ( USA ), N.A. 
Attn : Customer Relations / Compliance Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : CEASE AND DESIST Unauthorized Disclosures & Electronic Transfer Activity Account Ending in : XXXX To Whom It May Concern, I am formally notifying Capital One Bank ( USA ), N.A. to cease and desist from any further unauthorized disclosures, electronic fund transfers, or changes to my account terms that violate the Electronic Fund Transfer Act ( EFTA ), specifically 15 U.S.C. 1693c, which governs mandatory disclosures of terms, conditions, and electronic transfer authorizations.

Under 15 U.S.C. 1693c, you are required to clearly disclose all terms, conditions, and liabilities related to electronic fund transfers on my account. I am exercising my rights under this statute and hereby demand : 1. Immediate cessation of any unauthorized or unexplained electronic withdrawals, transfers, or charges on my Capital One account ending in XXXX. 
2. Immediate cessation of any sharing, releasing, or transferring of my personal or financial information to third parties without my express written authorization.

3. Written confirmation of all currently authorized electronic fund transfers connected to this account.

4. Copies of all disclosures required under 15 U.S.C. 1693c, including : Terms and conditions of electronic fund transfers Liability limitations Error-resolution procedures Fees, authorization forms, and any preauthorized transfer agreements Take notice that any continued unauthorized activity, failure to comply with federal disclosure requirements, or refusal to provide the documentation requested above will result in : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing a complaint with my states Attorney General Potential pursuit of civil remedies available under federal law This letter serves as my formal assertion of rights. Please provide written acknowledgment of receipt and confirmation of compliance within 10 business days of the date of this letter.

Failure to comply may constitute a knowing and willful violation of the Electronic Fund Transfer Act. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Account Holder Capital One Account Ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have another CFPB complaint open regarding this consumer due to the repression issues with my account. However, when requesting call recordings/ transcripts, chart notes and anything on my account related to the repossession they keep sending the same response to me ( that I must call ) even after I have stated that a call does not substitute for my request and legally, I have a right to my account documents I have requested. They know that i have sent the complaint to CFPB and sent an email to the executives and now they refuse to provide me with my requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One bank restricted my credit card and told me that I needed to verify my identity and social security number to have the restriction lifted, despite a perfect payment history, high credit score and no previous issues. They insisted that I fax this information to them. I did this repeatedly and have confirmation of these transmissions to their fraud department. I have also confirmed the fax number. They continue to tell me they haven't received any of them and refuse to remove the restriction. I have cancelled the card because there is a credit balance on the account that I would like to access, and they refused to release unless I cancelled the account. I feel that I have been unfairly discriminated against in this case. They had no reason to restrict the card in the first place and then essentially held my funds hostage. I think that this type of treatment is horrible and the contact center was unable to do anything except put me on hold repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-12-04 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:
The accounts listed on my file were not created by me, nor were they approved on my behalf. I respectfully request a full review and removal. I have enclosed documentation to support my dispute.

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 2025-12-04 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: PA

Complaint narrative:
I discovered several negative items on my credit reports that are being reported inaccurately and without proper validation. These include multiple charge-offs from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX, as well as several XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed hard inquiries from XXXX  XXXX XXXX and XXXX that I did not authorize. I disputed these items with the credit bureaus and the companies involved, but none of the furnishers provided the required documentation under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. None of them submitted the original signed contracts, billing statements, payment histories, charge-off calculations, chain-of-title documents, or consumer authorization for the inquiries. Some accounts contain missing data fields, inconsistent reporting, and unverifiable delinquency timelines. Despite the lack of evidence, my disputes were marked as verified, even though no proper documentation was ever produced. These inaccuracies and unverifiable items have negatively impacted my credit score and have interfered with my ability to obtain fair financial opportunities.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
I purchased a vehicle from XXXX XXXX in XXXX, Texas. During the transaction, the finance manager told me that the price of the car had to be increased in order for me to be approved for financing. I was pressured into accepting the higher price and was not given a legitimate explanation or transparency about the change. 

After reviewing the contract, I believe the dealership inflated the price and misrepresented the financing terms, which caused my loan with Santander to be set up under deceptive and unfair circumstances. 

I raised concerns, but Santander has not addressed the issues or investigated the dealerships conduct. I am filing this complaint because the contract was not presented honestly, and I am being held responsible for terms that were manipulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-04 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: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-04 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: SC

Complaint narrative:
XX/XX/XXXX. Went back and forth on used XXXX XXXX XXXX  and new XXXX XXXX XXXX Purchased new on lender approval ( Global Lending Services ) relayed via dealership ( XXXX XXXX XXXX ). XX/XX/XXXX went back to obtain some person items left in my trade in by accident and was threatened to have theft charges filed on the XXXX XXXX  if i did not return it or sign a new contract with higher interest and monthly payment. Per finance manager, Global said the rate was different from the XX/XX/XXXX qualification because I had applied online. Now today the dealership XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) has all paystubs and information required to complete the deal and are saying Global is refusing to pay again becasue they do not have proof of employment of my wife. When I placed the welcome call with Global Lending I asked if they needed anything else and i was informed by Global Lendings agent that nothing else was needed prior to the dealership telling me that more documentation was neeeded. On XX/XX/XXXX, the forced contract was backdated to the date of the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 filing this complaint because Experian and TransUnion are reporting inaccurate and unverifiable accounts on my consumer credit reports. I previously disputed these items directly with both bureaus, providing written dispute letters, but the accounts remain and the credit bureaus have not provided any validation or documentation proving the accuracy or ownership of the accounts. 

In my disputes, I specifically requested validation under the Fair Credit Reporting Act ( FCRA ), including physical verification of the original signed consumer contracts for the accounts listed. Despite this, more than 30 days have passed, and no proof or validation has been provided. 
( References : Experian dispute letter Proof RD1_experian, TransUnion dispute letter Proof RD1_transunion ) These inaccuracies are harming my ability to obtain credit and a mortgage for my family. 

Experian Inaccurate Accounts Reported XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation received after more than 30 days. 

XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported inaccurately ; alleged FDCPA Section 807 false/misleading reporting.

TransUnion Inaccurate Accounts Reported XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No validation received after more than 30 days. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No validation received after more than 30 days.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am formally disputing the inaccurate late payment reporting on the following account appearing on my TransUnion, XXXX  and credit file. TransUnion is reporting a XXXX late in XX/XX/XXXX, which is false, unverified, and inconsistent with the payment history that I have maintained. This entry does not reflect my actual payment performance and is causing harm to my credit profile. 
Account Name : XXXX Account Number : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$41000.00} Under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ) and 607 ( B ), TransUnion, XXXX XXXX XXXX is required to ensure maximum possible accuracy of all information it reports. 
Additionally, under FCRA 611, upon receipt of a dispute, you must conduct a reasonable reinvestigation and delete any data that can not be fully verified.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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