vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Formal Complaint Regarding Fraudulent Account and Non-Compliance with Court Order. 

Non-Removal of fraudulent Account Number Tradeline Despite Court judgement. Account Number : XXXX & XXXX Capital One Credit Card Company. Account Number : XXXX & XXXX Statement of the complaint I am writing to file a formal complaint regarding the refusal of Capital one Credit Card company to remove a fraudulent account trade line from my consumer credit reports, despite the matter being resolved in my favor via court judgement.

The account listed above was opened fraudulently without my knowledge or consent. This fact was established and confirmed through legal proceedings. 
I disputed the debt, which resulted in a legal action filed against me in the XXXX XXXX XXXX XXXX of XXXX Georgia on XX/XX/year>. The court issued a judgment, case No. XXXX ruling that I am not responsible for the debt, thereby confirming the fraudulent nature of the account. 
I have provided Capital one Credit card company with certified copies of the court judgment. Under Fair Credit Reporting Act ( FCRA ), the creditor is obligated to conduct reasonable information and report accurate information. The court judgement unequivocally proves that this account is inaccurate and fraudulent. Despite notification and receipt of judgment, Capital One credit Card Company has refused to delete this tradeline.

The continued presence of this negative, fraudulent, and legally invalidated tradeline is causing severe and ongoing damage to my credit profile and is a clear violation of fair credit reporting practices and the sanctity of the court order.

I demand the following immediate corrective actions. 

Immediate and permanent deletion of the trade line for account numbers ending in XXXX & XXXX from all three credit reporting agencies, XXXX XXXX XXXX XXXX 
A written confirmation of this deletion, including the date the removal was processed. 
Enclosed are the following documents to support this complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Hello, I have loans serviced by Nelnet and they keep changing my loans without permission. I have scheduled autopayment and have never applied for any forbearance or other postponement. I have never asked for relief. I notice now my loan amount has increased and my credit dropped. 
I am requesting that someone take action to stop Nelnet from doing this to my loans and just let me repay them in peace. I have contacted them on a few occasions and they can never explain what they are doing without my permission. 
I am also reporting this to the XXXX XXXX XXXX XXXX, Your forbearance is ending soondownloadable message - opens in new tab XX/XX/year> Your forbearance is ending soondownloadable message - opens in new tab XX/XX/year> Your payments have been postponed with a Natural Disaster Forbearancedownloadable message - opens in new tab XX/XX/year> Your payments have been postponed with a Natural Disaster Forbearancedownloadable message - opens in new tab XX/XX/year> We are unable to approve your forbearance request at this timedownloadable message - opens in new tab XX/XX/year> We are unable to approve your forbearance request at this timedownloadable message - opens in new tab XX/XX/year> Your payments have been postponed with a Natural Disaster Forbearancedownloadable message - opens in new tab XX/XX/year> Your payments have been postponed with a Natural Disaster Forbearancedownloadable message - opens in new tab XX/XX/year> We are unable to approve your forbearance request at this timedownloadable message - opens in new tab XX/XX/year> We are unable to approve your forbearance request at this timedownloadable message - opens in new tab XX/XX/year> Your forbearance is ending soondownloadable message - opens in new tab XX/XX/year> Your forbearance is ending soondownloadable message - opens in new tab XX/XX/year> Your payments have been postponed with a Natural Disaster Forbearancedownloadable message - opens in new tab XX/XX/year> Your payments have been postponed with a Natural Disaster Forbearancedownloadable message - opens in new tab XX/XX/year> We are unable to approve your forbearance request at this timedownloadable message - opens in new tab XX/XX/year> We are unable to approve your forbearance request at this timedownloadable message - opens in new tab XX/XX/year> Action needed : Your account is 45 days past duedownloadable message - opens in new tab XX/XX/year> Discharge based on Borrower Defense evidencedownloadable message - opens in new tab XX/XX/year> We have applied auto debit payments to your accountdownloadable message - opens in new tab XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC
REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX Balance : {$0.00} XXXX. XXXX  Account # : XXXX Date Opened : XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX Account # : XXXX Date Opened : XXXX Balance : {$0.00} XXXX XXXX XXXX- Account # : XXXX Date Opened : XXXX Balance : $ {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I am filing this complaint because XXXX XXXX submitted a fraudulent auto loan contract to the lender with the wrong primary buyer and incorrect information. On the date of sale ( XX/XX/year> ), the dealership listed my mother as the primary buyer without her knowledge, consent, or authorization. I was the actual purchaser. Neither of us knowingly agreed to the loan structure submitted to the lender. 

I discovered these issues after the dealership repeatedly refused to help me trade in the vehicle between XXXX XX/XX/XXXX XXXX XX/XX/year>. Multiple dealerships informed me that the loan and buyer information were incorrect and did not match the paperwork I signed. This prevented me from trading in the vehicle and caused financial harm. 

The dealership also failed to properly process title, sales tax, and registration paperwork after the sale, which created additional fees and complications. These problems began affecting me immediately after purchase starting around XX/XX/year> and continued through the rest of the year. 

I attempted to resolve the issue with the dealership several times between XX/XX/year> and XX/XX/year>, but they refused to correct the contract or cooperate with me or the lender. I filed a XXXX  Attorney General complaint in XX/XX/year> due to misrepresentation, contract defects, and the incorrect buyer assignment. 

This situation has caused : Incorrect buyer reporting to the credit bureaus ( ongoing since XXXX ) Denied trade-in attempts ( XX/XX/year> ) Financial losses and out-of-pocket expenses A defective and unauthorized loan contract I am requesting that the lender investigate the loan for : Incorrect buyer assignment at origination Unauthorized submission of contract information Misreported loan details Credit reporting inaccuracies I need the lender to remove all negative credit impacts caused by the dealerships actions. I also request a full investigation into the dealerships loan submission practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the repossession of my vehicle by Bank of America without any prior warning, as well as the resulting damage to my credit and the other negative consequences that have followed. 

I have been experiencing serious health issues and have been on financial hardship since XX/XX/XXXX. I have a car loan with Bank of America, loan number XXXX, with an approximate remaining balance of {$2700.00}. While I have fallen behind on several payments due to my circumstances, I made a payment of {$250.00} on XX/XX/XXXX. 

Despite this, my XXXX XXXX was repossessed on XX/XX/XXXX, from the XXXX XXXX XXXX parking lot at approximately XXXX XXXX 

Prior to the repossession, I had a recorded call with a Bank of America customer service representative during which I clearly explained that I was on short-term XXXX and experiencing financial hardship. I specifically asked whether my vehicle was at risk of being repossessed, and I was explicitly told that it was NOT AT RISK. 

Given this assurance, I was shocked and XXXX  to discover that my vehicle had been taken. This action has not only created additional hardship but will severely impact my credit score, despite my good-faith efforts to communicate and make payments. 

I am requesting an immediate review of this matter, including the recorded phone call referenced above, and a prompt resolution regarding the wrongful repossession and its consequences. 

I would like to check if theres any discrimination or prejudice for being a minority. 

Thank you for your attention to this urgent matter. I look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I received notice that my Coinbase account was hacked and there was an attempt to make a {$5000.00} bitcoin purchase. I see that request didnt go through and there was a {$1000.00} unauthorized transaction made using my XXXX account as payment. I canceled the payment through XXXX but the transaction still went through. When I contacted XXXX I was promised that they would research the transactions and respond to me. When I asked via emails if all of my questions will be answered they sent responses that didnt confirm that they would. Their XX/XX/year> response didnt answer or address my questions and concerns regarding account restrictions in place that would have prevented the unauthorized transaction and why emails were sent to both my account emails for both accounts. When I was able to confirm the account with the unauthorized transaction I had to sell the bitcoin that was purchased at a loss of almost {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I contacted Barclays Bank about a credit inquiry on a XXXX XXXX report by telephone on XX/XX/year> and they were unable or unwilling to investigate or locate the reason for the inquiry. XXXX XXXX also states this is Barclays problem. After numerous attempts to get an explanation from Barclays via a person, I emailed the following. This pretty much describes the situation. 

XX/XX/year> TO : Barclays Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In reviewing my credit report as detailed by TransUnion and XXXX, I noticed a Credit Inquiry dated XX/XX/year> from Barclays Bank. While I had an account with Barclays at one time, that account has been closed for years. So, Im wondering why there was a credit inquiry from Barclays since I have neither applied for nor used credit from Barclays recently. Im checking to make sure there was no fraud involved ( someone applying for credit with my personal information ) or for any other reason. 

Please provide me with the details of the credit inquiry and make any adjustments necessary with XXXX XXXX regarding this transaction assuming it should 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
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I am filing a complaint against XXXX  for failing to comply with the Fair Credit Reporting Act ( FCRA ). I am requesting the blocking and deletion of all negative accounts and inquiries listed below because they are unauthorized, identity-theftrelated, mixed-file errors, inaccurate, or unverifiable. XXXX  has not provided any original documentation proving accuracy, authorship, ownership, or permissible purpose despite prior disputes. These items must be removed under 15 U.S.C. 1681c-2, 1681i, 1681e ( b ), and 1681b.

XXXX  has failed to produce : Original signed applications Proof of ownership or chain of title for purchased debts Billing statements Contracts Documentation proving permissible purpose for inquiries ANY competent evidence supporting continued reporting Automated e-OSCAR responses do not meet the standard of a reasonable investigation as required by law and case law such as XXXX v. TransUnion, XXXX v. CSC, and XXXX v. BEH-1. Because XXXX can not verify with documentary evidence, deletion is required. 

NEGATIVE ACCOUNTS THAT MUST BE BLOCKED/ DELETED ( Identity theft indicators, inconsistent balances, conflicting dates, unverifiable ) Charge-offs : XXXX {$550.00} charge-off XXXX XXXX  {$570.00} charge-off XXXX XXXX XXXX XXXX  {$16000.00} charge-off / {$10000.00} past due XXXX XXXX  {$580.00} charge-off Collection accounts : XXXX. XXXX XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX. XXXX XXXX XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX. XXXX XXXX XXXX XXXX XXXX  {$670.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX XXXX  XXXX {$3600.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2200.00} XXXX. XXXX XXXX no status, no payment history, unverifiable NONE of these accounts have been validated with any original contract, application, signature, statements, or chain-of-title documentation. Under 1681e ( b ) and consistent case law, unverifiable data must be deleted.

UNAUTHORIZED HARD INQUIRIES TO DELETE XXXX  has not produced any documentation proving permissible purpose under 15 USC 1681b. Therefore, these inquiries must be blocked. 

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 XX/XX/XXXX LEGAL BASIS FOR DELETION 15 USC 1681c-2 : XXXX  must block all identity-theft and unauthorized information within 4 business days 15 USC 1681i : XXXX  must conduct a reasonable investigation and can not rely solely on furnisher responses 15 USC 1681e ( b ) : If XXXX  can not prove maximum accuracy, it must delete 15 USC 1681b : Inquiries require signed authorization or permissible purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I get a text message from Chime relating my number had been changed.I immediately tried to call Chime to let them know that I did not change my number. But automated operator tdid not recognize my information, so immediately went to the local cash station and tried to withdrawn money from account. The receipt read XXXX. Then I immediately keep calling chime where I was able to reach the claims department. I informed the agent that my money of {$850.00} was missing. I just received my {$850.00} from XXXX XXXX XXXX. The agent related my money was paid out that morning to an XXXX XXXX who I do not. I related to Chime I do not paid an individual with my account ever I just received money from three person since I had the account check it. I looked at the chime account on my phone I noticed XXXX in my account and an email messages from Chime new login users on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was unable to submit payments online. A problem I dont believe should be implemented as part of process. I called, submitted a payment for 2 x months and agreed to set up 2 x future payments. 

On this recorded call, I was told verbatim if 1 arrangement is cancelled, both are cancelled. I stopped the first arrangement and then today, to my surprise woke up to the second arrangement debit from my account. 

This is predatory. Stacking late fees and interest is predatory. No solutions are offered- just an endless cycle of fees and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
I'm just simply disputing the validity of these obligations. Under FDCPA 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the collector must cease all collection activity until full and proper validation is provided for all collection accounts on my credit reports for all credit reporting companies.

- A copy of the original signed contract or agreement - Documentation showing I have legal ownership or assignment of the debt - A complete payment history - Proof of signed agreement with XXXX XXXX and 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 2025-11-30 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: CA

Complaint narrative:
I'm just simply disputing the validity of these obligations. Under FDCPA 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the collector must cease all collection activity until full and proper validation is provided for all collection accounts on my credit reports for all credit reporting companies.

- A copy of the original signed contract or agreement - Documentation showing I have legal ownership or assignment of the debt - A complete payment history - Proof of signed agreement with XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Minto Financial dba Minto Money
State: NJ

Complaint narrative:
Monto Money deposit money without my consent and started to withdraw money without my consents permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing a separate complaint because Synchronys payment allocation system prevented me from paying off my deferred-interest promotion before it expired. I had two active promotional plans ( a XXXX deferred-interest promo and a XXXX financed promo ). Synchrony automatically applied my payments to the newer XXXX plan instead of the XXXX promo that was nearing expiration, and the company provided no clear disclosure that payments would be allocated this way. The dashboard combines all promotions into one balance and does not show how payments are applied or how much remains on each promotion. There was no way for me to manually direct payments to the expiring promo or monitor whether the balance was being reduced. Because Synchrony misallocated my payments, the XXXX deferred interest promo expired without being paid down, which directly caused a retroactive interest of {$4100.00} on an initial purchase amount of {$5300.00} to be added. This was the result of Synchronys system design, not any lack of payment on my part. I am requesting that Synchrony correct this payment allocation failure and reverse the retroactive interest that resulted from it

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